Federal investigators say that crime groups in China are behind the toll fine scam messages that made more than $1 billion over the last three years. The elaborate phishing scheme uses fake texts, a one-time verification code and remote tap-to-pay software to steal your credit card information to buy everything from iPhones to luxury handbags and gift cards. WSJ worked with a cyber threat researcher and created a fake phishing page to show exactly how it works. Chapters: 0:00 Fake toll texts 0: