"A security expert recruited by an Internet company may be given an annual salary of one million yuan, but for fraudsters, it may be possible to earn one million yuan for a single order."
Under the temptation of interests, countless people took risks and embarked on the criminal path of telecommunications and network fraud.
In recent years, with the rapid development of global information network technology, illegal and criminal activities of telecommunications and network fraud continue to occur frequently, seriously infringing on the vital interests of the masses and eroding the foundation of social integrity, and has become a "cancer" of society.
However, due to the emergence of fraudulent means and most of the criminal subjects are overseas, it is difficult to detect the case.
According to public data from the Ministry of Public Security, in 2020, the number of fraud cases surpassed theft for the first time, becoming China's largest crime.
As of 2021, the public security organs have cracked more than 441,000 telecommunications and network fraud cases, arrested more than 690,000 criminal suspects, recovered and returned 12 billion yuan of defrauded funds to the people.
The sharp sword has been unsheathed, boosting "there is no deceit in the world".
On December 1, the "Anti-Telecom Network Fraud Law of the People's Republic of China" (hereinafter referred to as the "Anti-Telecom Fraud Law") was officially implemented.
In view of the Internet age, users of live broadcasting, e-commerce, short video, social media, Internet finance and other platforms are frequently defrauded by criminals. Telecommunications and network fraud work provides strong legal support, and also puts forward higher requirements for Internet companies and other entities.
High incidence of new types of cybercrime, anti-fraud into the live broadcast room
"Hello police anchor!" "There are so many scammers, I learned it" "How to download the anti-fraud app"...
Wang Pan (pseudonym), who lives in Chaoyang, Beijing, often watches live broadcasts in his spare time. Recently, he found that in addition to delicious food and beauties, a familiar figure appeared in the live broadcast room—the police in blue uniforms.
During the Anti-Fraud Awareness Month, the webcast platform also launched related themed promotional activities.
The National Anti-Fraud Center and public security organs and anti-fraud agencies in many provinces across the country continue to carry out live broadcasts of anti-fraud publicity and education series.
In the live broadcast room, the public security organs interact with netizens in various forms. The links in the live broadcast room are also equipped with the National Anti-Fraud Center APP, 96110 National Anti-Fraud Early Warning and Dissuasion Consulting Line, 12381 Fraud Early Warning and Dissuasion SMS System, Phone Card One-Card Check, Bank Introduction of the five major anti-fraud tools including one-key card check.
The live broadcast is like a popular science scene for the whole people. Netizens can not only jump to download the APP of the National Anti-Fraud Center, but also learn about the functions of the National Anti-Fraud Center's "one card check" and "one key check card".
Through these two functions, you can check the handling status of all domestic phone cards and bank cards under your name.
Live broadcast is just a microcosm of the current counter-fraud.
Public security organs, the National Anti-Fraud Center, Internet companies, etc. also carry out anti-fraud publicity work through various methods such as text, video, and exhibitions.
Wang Aili, director of the Criminal Law Office of the Legislative Affairs Committee of the Standing Committee of the National People's Congress, pointed out in the summary of the "Anti-Electronic Fraud Law": "The situation of telecommunications and network fraud crimes is severe, and it has become the most prominent crime with the highest incidence, the greatest loss, and the strongest response from the public. It is a serious crime. It endangers the people's sense of gain, happiness, and security. To this, legislation must respond, further improve the system, resolutely crack down on governance, strengthen social governance with the rule of law and legal thinking, and safeguard the vital interests of the people."
It is important to do a good job of publicity, and early warning, interception, management, and combat through network technology and other means are also important links in anti-fraud.
The "Anti-Electronic Fraud Law" stipulates that public security, telecommunications, network information and other departments, telecommunications business operators, and Internet service providers should strengthen key monitoring and timely disposal of fraudulent applications downloaded and disseminated through channels other than distribution platforms.
No unit or individual shall provide support or assistance for others to commit telecommunications and network fraud activities.
At the same time, telecommunications business operators, banking financial institutions, non-bank payment institutions, and Internet service providers shall assume responsibility for risk prevention and control, establish an internal control mechanism and security responsibility system for anti-telecommunication network fraud, and strengthen the security assessment of new business fraud risks.
Gao Yandong, deputy director of the Institute of Digital Rule of Law at Zhejiang University and a researcher at the Zhejiang Digital Development and Governance Research Center, told the Beijing News Shell Finance reporter that with the rapid development of information technology, major changes have taken place in my country's crime structure, traditional crimes continue to decline, and cyber crimes continue to decline. Crimes are rising rapidly, and new types of cybercrime represented by telecommunications and network fraud continue to occur frequently. Cybercrime accounts for 1/3 of the total number of crimes in my country and is on the rise.
From 2015 to 2020, the number of fraud cases mainly involving telegraphic fraud was 1.04 million, 970,000, 920,000, 1.15 million, 1.43 million, and 1.91 million.
Investment fraud, swiping bills to swipe credit, shopping consumption, loan fraud, and impersonating charging merchant customer service fraud are the main types of fraud, and have evolved into "false pornographic services + swiping bills", "false transactions of online game products + impersonating public prosecutors", "fake shopping services + murder Pig plate" and other complex new deceptions.
He pointed out that telecommunication network fraud has been banned repeatedly. On the one hand, because of the serious leakage of various information of citizens, this undoubtedly provides an infrastructure for telecommunication network fraud.
On the other hand, the cost of illegal crimes is low and the income is large. Telecom cybercrime usually adopts a wide-spread method to carry out illegal and criminal activities. Even if one out of ten or even a hundred people is recruited, the cost can be fully covered.
In addition, it is difficult to solve the case, fraudulent methods emerge in endlessly and 80% of the criminal subjects are overseas.
From telephone to Internet platform fraud: personal information leakage leads to "precision fraud"
In August 2016, Xu Yuyu, a prospective college student in Linyi, Shandong Province, was defrauded of tuition fees by a fraudulent phone call. She was depressed and eventually suffered a cardiac arrest. She died after being rescued by the hospital.
Xu Yuyu was "precisely defrauded", and the exposure of her admission information became the focus of public opinion for a while.
In the Internet age, while the public is enjoying the efficiency, speed, and convenience of the Internet, a large amount of information is constantly being uploaded and downloaded, including personal information.
Once personal information is mastered by criminals, it may eventually lead to "precise fraud" for individuals.
Gao Yandong said that the source of personal information leakage includes Internet companies, especially some small and medium-sized Internet companies and financial institutions.
In addition, criminals will use software to crawl data and information, there are also problems such as reselling information by black ghosts within the company, limited prevention and control capabilities of storage media and information servers, and weak awareness of citizens' personal information protection.
Li Junkui, President of Ant Group’s Big Security Technology Department, told the Beijing News Shell Finance reporter that there is an obvious trend of gangs and specialization in telecommunications and network fraud, and an industrial chain with a strict division of labor has been formed, including personnel who specialize in selling and reselling information. After the gang got the information, they constructed various scams to defraud the victim's property, and then swept away the funds through water houses, underground banks, and running sub-platforms (all refer to money laundering platforms).
Therefore, the telecommunications network fraud links are complicated, the division of labor is clear, and the techniques are professional.
The person in charge of Tencent Security Lingkun's anti-fraud team also said that criminals use personal information to classify victims according to different labels, and then carry out targeted fraud against people with different labels.
For example: scams targeting single, successful men or women; frauds targeting young women with babies at home; frauds targeting order refunds for frequent online shoppers, etc.
After labeling the crowd, criminals will have a professional material supply team to collect more personal information of the victim, a professional script team to create communication skills, and a technical team to develop fraudulent apps and websites Finally, the keyboard player communicates with the victim one-on-one to carry out fraud.
He said that at present, the main method of fraud has gradually shifted from the telephone to the Internet platform, and the use of network tools in telecom network fraud has become the mainstream, especially counterfeit URLs, recruitment apps, and wealth management apps.
The "Anti-Electronic Fraud Law" stipulates that when Internet service providers monitor relevant fraud-related information and activities in accordance with the provisions of this law, if they find clues and risk information related to fraud-related crimes, they shall, in accordance with relevant state regulations, according to the types of fraud-related risks, The extent of the situation is transferred to the departments of public security, finance, telecommunications, and network information.
Relevant departments should establish and improve the feedback mechanism, and promptly inform the transfer unit of the relevant situation.
Technology anti-fraud, how can Internet companies be "gatekeepers"?
Jin Hong, director of Ant Group’s security risk control intelligence department, told the Beijing News Shell Finance reporter that from the perspective of artificial intelligence technology development, the characteristics of explainability, safety and reliability, and data privacy protection can effectively fight against fraud, and it is worthwhile to continue to attack. Technology is used in anti-fraud.
How should market players be “gatekeepers”?
From the perspective of long-term supervision and governance, monitoring and preventing telecommunications network fraud through technical means to prevent problems before they happen is the mainstream force in anti-telecommunication network fraud, which can effectively curb telecommunications fraud crimes.
"Most people don't know what artificial intelligence is doing, but they know that it is awesome. How can we use some artificial intelligence technology to make artificial intelligence technology explainable? This is very important." As technology continues to evolve and technology continues to improve, the anti-fraud process is a game-changing process. How to make artificial intelligence safer and more reliable is worth studying.
He said that after the promulgation of the "Personal Information Protection Law of the People's Republic of China", Internet user data has been protected to a greater extent.
The essence of telecommunications and network fraud is that black industry has mastered a large amount of technology and information, and uses information asymmetry to defraud money.
From the perspective of Internet companies, how to use data privacy protection technology to make data available but invisible, not only to prevent information leakage, but also to achieve precise anti-fraud strikes through joint defense between ecology, this is a very important point.
Technology anti-fraud, Internet technology companies have become technology vanguards, taking the initiative to assume platform responsibilities.
Ant Group is a technology platform that started anti-fraud technology earlier. As early as around 2015, it began a large-scale exploration of intelligent risk control technology. Its self-developed "intelligent risk perception and response joint anti-fraud system" Fraud system"), based on technological breakthroughs such as interactive risk control, full-map risk control, and trusted artificial intelligence, it can realize risk control automatic driving and cross-industry joint defense and joint control of pre-event abnormal perception, mid-event identification and intervention, and post-event intelligent disposal. .
At present, it has been applied to Alipay and its partners.
Tencent Security is currently focusing on two aspects to help the financial industry fight against fraud.
First, for victim protection, it can assist financial institutions to build a victim protection identification system, through real-time security analysis, to achieve accurate assessment of fraud-related transactions, to understand whether there is a risk of fraud and which type of fraud-related funds before the transaction, so as to target Second, for the analysis and detection of fraudulent black cards, through the AI algorithm engine, high-risk card rental and card sales groups are built to help banks check the fraud risks of existing savings cards, and for newly opened cards Users can assess the risks of renting and selling cards, and use technology to comprehensively identify and block fraudulent black cards.
In response to fraudulent behavior on the short video platform, the Douyin security department stated that the platform has built multi-scenario capabilities for pre-reminder, blocking during the event, and governance after the event.
The platform currently runs more than 100 anti-fraud models every day, executes more than 9,000 risk control strategies, sends out more than 1.5 million risk reminders, intercepts more than 300 million logins of risk accounts, blocks more than 93% of fraudulent activities, and protects 700,000 potential Victims avoid being scammed.
The person in charge of Douyin’s security department told the Beijing News Shell Finance reporter that Douyin launched the intelligent function Douyin Xiaoan this year to provide users with anti-fraud services such as warnings, verifications, and interventions.
One month after its launch, Douyin Xiaoan can identify more than 1.6 million potentially risky accounts every day.
At the same time, short videos to promote anti-fraud are welcomed by users. In 2021, the Douyin platform has registered more than 4,500 anti-fraud promotion-related accounts, anti-fraud promotion videos have been played more than 13.6 billion times, and the total live broadcast time has exceeded 5,300 hours.
Celebrity anti-fraud accounts such as Lijin Police Station, Siping Police, and Jinghuashuo are very popular.
"The "Anti-Electric Fraud Law" implements the Internet real-name registration system, clarifies the industry's regulatory responsibilities, and proposes to develop anti-telephone fraud technologies; clarify the industry's regulatory responsibilities, such as the issue of Union Card, telecom business operators should standardize the calling number, Lease transmission and telecommunication lines, block and intercept phone calls with traceability and verification; the state supports telecommunications business operators and others in developing anti-fraud technologies to monitor and identify dynamic blocking and deal with abnormal fraud-related activities.” Gao Yandong believes, “ The Anti-Electronic Fraud Law has strengthened the regulation of telecommunications, finance, and the Internet industry, clarified the obligations of the industry, and clearly stipulated that telecommunications business operators and Internet providers should implement the main responsibility, and strengthened the responsibility.
Data barriers must be broken, and penalties for personal information leakage should be increased
How to prevent information leakage from the source has become an inescapable topic in anti-fraud in the Internet age.
In response to anti-telecommunication network fraud, entities such as telecommunications, finance, and Internet platforms should undertake public governance responsibilities and obligations.
Article 7 of the "Anti-Electronic Fraud Law" clearly stipulates that departments and units should cooperate closely in the work of anti-telecommunication network fraud, realize cross-industry and cross-regional coordination and quick linkage, strengthen the construction of professional teams, and effectively crack down on telecommunications network fraud activities.
From the perspective of the industry, the barriers of Internet companies must be broken, and they should cooperate across industries and regions to break down data barriers and prevent criminals from using poor information and data barriers to achieve electronic fraud.
Gao Yandong said that citizens should establish awareness of prevention and take timely countermeasures against fraudulent behavior, establish awareness of law-abiding, and not sell or provide citizen information to others.
"Some elderly people in rural areas have no sense of precaution against other people's collection of phone cards, bank card account numbers or ID cards. They may be able to collect some people's ID cards by sending eggs. This phenomenon is particularly common," he said.
Internet companies, financial and telecommunications companies should also do a good job in technical protection, protect citizens' personal information, and promote the development and deployment of data security technologies.
At the same time, in order to do a good job in internal management, enterprises should confirm the operation authority of users' personal information processing, formulate internal data usage rules, and make emergency plans.
In addition, government departments should do a good job of effectively fulfilling the responsibilities of supervisors and managers of the "Anti-Electronic Fraud Law" of government departments.
Enterprises are the "gatekeepers", and government departments are the undoubted administrators. They should guide the protection of personal information of enterprises and financial institutions by classification, and clarify the protection by classification and classification.
At the same time, for personal information processors, government departments should do a good job of supervising them, supervising whether personal information processors have a system of personal information protection officers and data security officers, and whether they have adopted technical means to prevent information leakage.
Government departments should also do a good job in annual inspections, investigate the leakage of personal information according to law, increase the punishment of personal information leakage, and do a good job in publicizing the law.
[Reader Tips]
The Beijing News Shell Finance reporter reminded readers after multiple interviews and sorting out:
Be careful of fraud when you mention money-related words such as transfer, deposit, handling fee, national security account, etc. on the phone;
Anyone who requires sharing screens to fill in personal information, be careful of fraud;
Anyone who requests to cancel the account or adjust the interest rate, be careful of fraud;
Anyone who requests to cancel the campus loan, be careful of fraud;
Anyone who claims to be able to repair the credit report, be careful of fraud;
Anyone who asks to transfer money to the other party after borrowing money, be careful of fraud;
Citizens are requested to conduct Internet business handling and consultation through formal (official) channels.
Beijing News Shell Finance reporter Cheng Zijiao Bai Jinlei