Cyber ​​scams invade online life, college students spontaneously popularize fraud prevention knowledge

Long Lingyu of Communication University of China

Du Xiangyi of Lanzhou University

China Youth Daily · Trainee reporter Luo Xi

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Because of a phone call, Xiong Xiao, a graduate student, was deceived by 40,000 yuan.

"Actually, I didn't answer this call, but the other party called several times. After connecting, the other party said my name, school, ID number, etc., and I felt like I was" brainwashed "little by little. "Recalling the experience of being cheated on February 14th, Xiong Xiao was very upset. At the other end of the phone, the "customer service" who claimed to be a "JD Finance" staff member induced him to add a "customer service" QQ on the grounds that "according to national regulations, it is necessary to cancel your student loan account, otherwise credit will be affected" The loan with the highest loan amount was lent from the lending platform, and then transferred to the "cancellation of the special account" of the fraudsters.

"As soon as Qian turned over, the other party was 'lost'." Xiong Xiao immediately called the police. 40,000 yuan is not a small amount. "It is 10,000 more than my tuition and accommodation costs combined." In order not to make the family feel uncomfortable, he decided to take part-time jobs to fill the expenses in the future.

Xiong Xiao's experience is not a single case. Cui Luyao, a police officer at the Lianxin Police Station of the Jinjiang Branch of the Chengdu Public Security Bureau, said that before or at the beginning of each semester, it is a high incidence of scammers targeting college students. The possibility of action and success will also increase.

Impersonating the lending platform customer service, especially the well-known enterprises familiar with the students, on the basis of canceling the loan account to induce college students to bind cards and transfer funds has become one of the most common telecommunications fraud methods. Taking advantage of students' eagerness to get rid of bad credit records, scammers fabricated various reasons and put pressure on key nodes such as "enter password" and "grant authority".

From February to March this year, Xiao Ran and Li Li were also deceived by the same "routine". Recalling the details of his conversation with the liar, Xiao Ran lamented that "it's a bit invincible." "In the beginning, I didn't believe it, because I hadn't registered for these lending platforms." But facing Xiao Ran's hesitation, the other party quickly responded: "You should be inadvertently scanning for gifts when you are in school. It ’s time to register. "

Students are afraid that they will bear the name of "Lao Lai" before they enter the society, but the crooks repeatedly use the words "violating state regulations" and "high compensation" to force students to make decisions quickly. Under the scammer's "hard and soft", Xiao Ran, who had broken through the psychological defense line, transferred 10,000 yuan to the scammer's account. Li Li, who didn't know much about online platform loans, also accepted the excuse that "maybe someone else has misused the number to register", and then discounted the tuition.

"The more anxious the other party, the more you have to calm down." Dong Chengnan, who was "survived" in online fraud, shared his "anti-fraud experience." He had received a call showing that the number was located in Beijing. After graduating this year, he has just submitted a lot of resumes, so within three rings of the phone, he cleared his throat and picked it up. "Hello, here is the 360 ​​IOU. May I ask if you are a classmate of Dong of Liaoning University ..." The other party told Dong Chengnan that every year during the graduation season, some tuition loan accounts of some graduates need to be cancelled. However, as soon as he heard that it would take money to write off, Dong Chengnan, who was suspicious, put forward a request to suspend the cancellation. From then on, the "customer service" seemed a little anxious. After several rounds of "pulling saws", the other party indicated that they could communicate with their superiors and reduce the recharge amount appropriately.

"How much money is there to discuss?" Dong Chengnan immediately realized that something was wrong and immediately relayed the contents of the call to the teacher. After consulting the school's anti-fraud notice and verifying the fake customer service documents, Dong Chengnan was convinced that he had received a fraud call.

After receiving the call again, Dong Chengnan broke the deception steps of the other party and raised an alarm. I just did n’t wait for him to finish talking. The call had been hung up, and the call was always “on call” again. "Hopefully blacked me out, not talking to the next victim." Dong Chengnan said.

"Every call that requires me to transfer money will be checked again and again." Guan Yu, who is also cautious about online fraud, has also received calls from himself that he calls "JD.com customer service staff." "Although she accurately reported all kinds of information about me, and used" Personal Credit Bankruptcy "to hit me, I still decided to confirm her identity first." After verifying the official website of Jingdong, the official customer service responded to her "This person is not me Staff "and reminded her to be careful and beware of fraud. Guan Yu reported the number of the scammer and pulled the number into the blacklist.

After Xiao Ran called the police, the police stopped paying the suspect's collection account as soon as possible. However, telecommunications scams and online scams are mostly gang operations. People in a gang may not know each other offline. Their IP addresses are variable, and some even abroad, in the virtual world of the Internet, want to immediately catch the scammers. It's very difficult.

In recent years, regardless of whether the police, universities, or various social organizations across the country are spreading the knowledge of cyber fraud prevention in various ways, the police's investigation and recovery of cyber scammers have never stopped.

At the end of last year, Li Lin, who lives in Chaoyang District, Beijing, received a fraud call and realized that the other party might be a scammer. He quickly hung up. Within a few minutes, he received another call from Chaoyang District, Beijing. "Here is the Chaoyang Branch of the Beijing Public Security Bureau. It reminds you that you have just received a fraud call. Don't believe it." Li Lin felt incredible. "Why did the police find that the scammer called me so quickly? Isn't this a serial scam?" After inquiring through the official website of the Beijing Public Security Bureau, Li Lin found that the call number was indeed the Chaoyang Branch of the Beijing Public Security Bureau. "The police should have been following this criminal gang for a long time, and they may be trying to understand the gang's situation while reminding potential victims not to be fooled." Li Lin concluded.

According to statistics from the Ministry of Public Security of China, in 2019, public security agencies across the country cracked 200,000 cases of telecommunications network fraud, smashed 5,126 domestic fraud sites, arrested 163,000 suspects, and went abroad 21 times to conduct police enforcement cooperation and coordinate local police. 70 overseas fraud dens were destroyed, 4,276 criminal suspects were arrested, and the suspects were escorted back to China from overseas 20 times. The "96110" anti-fraud line pushed a total of 1.7 million early-warning clues to various regions, discouraging 10.116 million victims, and recovering direct economic losses of 5.61 billion yuan.

Police officer Cui Luyao said that the public security organs are currently conducting anti-fraud reforms. They will use smart robots to monitor fraud. Robots will provide information to the police as soon as they detect such behaviors and contact the people in time to remind them. This system will be pushed to the grass-roots level after the test is completed. Each public security unit will also set up anti-fraud early-warning personnel to be specifically responsible for docking, reducing the possibility of incidents from the root cause.

College students are one of the victim groups that scammers are keeping an eye on. Some college students bravely stand up after experiencing scams themselves, and begin to spread their knowledge of fraud prevention.

Netizens Xiaolong and Xiaolong who have been deceived have made anti-fraud videos. They tell their own personal experiences and tell the audience what scammers are good at catching the victims. "After I had been deceived, I was really anxious to see another college student being deceived. I hope that making a video will help everyone stay alert and see through the tricks of scammers." Netizen Xiaolongren said in the anti-fraud video.

Xiaoxiong also established a group of "Cancellation of Student Loan Victims" group. There were 128 people in the group, with a total deception amount of 4.3 million and a single transaction of up to 590,000 yuan. Bear hopes that the victims' painful lessons will alert the public and also provide more clues to the detection of some cases.

Guan Yu, who studied law, warned the fake "customer service" after recognizing the fraud routine, and told the story of the fraud incident in the grade group, summing up the scammer's usual tactics. After experiencing the scam storm, Dong Chengnan also felt that he needed to do something: "The first thing I thought of was to use my professional expertise to write an announcement and spend two days and two nights making a show." This issue The program was posted on the official Weibo of the school, which sounded the alarm for all the students in the school.

In addition to reminding everyone to enhance their knowledge about network security, and to be more alert and discerning about unfamiliar phone calls and suspicious information, Xiaolong also mentioned in the video that they hope that the network supervision department will strengthen supervision and reduce the possibility of information leakage; real-name authentication is required Registered platforms must also provide protection against information leakage.

After receiving the scam phone call, Lin Qian did not end the call immediately. After thinking for a few seconds, she said to the other side of the phone: "Don't lie to the student's tuition and living expenses ..." Hang up. Lin Qian didn't know if this sentence was useful, but she was glad she had said it.

(At the request of the interviewees, except for Cui Luyao, the names are pseudonyms)

Source: China Youth Daily