Be careful of fake customer service fake apps to target your wallet
Telecommunications fraud "Pong" on the epidemic of desire for loans instead of money losses
□ Reporter Zhang Wei
"Hello, I am the official customer service of XX. Seeing that you have a loan requirement in the near future, we can help you apply for a loan amount of 30,000 to 100,000 yuan. The payment is fast, the procedure is simple and the interest is very low."
This kind of "pie falling from the sky" has made many enterprises and individuals with shortage of funds like "long drought and good fortune", not to mention "Zhongan Trust", "Jingdong Finance" and "Gitzo" "Finance" and other large, regular and regular "customer service" of such large enterprises. I think these large enterprises respond to the welfare of the people called by the state in response to the outbreak.
Therefore, according to the "customer service" guide, add WeChat to facilitate the loan business. "Customer service" sent a link, users download an App, then fill in the relevant loan information as required, and wait for the approval to pass the loan.
After a while, the "enthusiastic" "customer service" came again: "Your collection bank card account number is incorrectly filled, the loan funds are frozen, and you need to pay a deposit of 6000 yuan to unfreeze. You must do it quickly, otherwise you will not only have to repay The credit will be reported. "
The deposit was paid, but the loan on the day of the promise was never waited. What's even more strange was that we sent WeChat to the "customer service", which was blacked out and the phone was unavailable.
Obviously, the tactics of telecommunications fraud have been closely updated with the hot spots: fake enterprise customer service and the use of fake apps, online "customer service" to communicate with users, to extract user money, is extremely confusing.
Sun Xiaodong, director of the Cybercrime Investigation and Research Office of China Criminal Police Academy, said in an interview with a reporter from Legal Daily that consumers should download apps from regular software stores and choose regular platform online services. Do n’t be tempted by interests to take risks or violate transactions. "If you encounter fraud, you should report the case to the police as soon as possible. Don't be ashamed of telling your teeth, and don't be entangled in the online platform, so as not to miss the timing of the case."
Fraud accounts for nearly 60% of epidemic-related crimes
During the epidemic, criminals who committed telecommunications fraud were not idle.
This can be understood from a set of data released by the Supreme People ’s Procuratorate on April 8: With the convenience and concealment of network transmission, the number of fraud crimes increased significantly during the epidemic. As of April 7, the national procuratorate The law approved the arrest of 1,588 fraud cases and 1,675 persons, and prosecuted 881 cases and 926 persons. The number of arrested cases and the number of prosecuted cases accounted for 58.4% and 47.3% of all epidemic-related criminal cases, respectively.
Why can scams "beside" the epidemic? Miao Shengming, director of the First Prosecution Office of the Supreme People's Procuratorate, analyzed that there are many reasons for the high incidence of cases. One of them is that telecommunications network fraud is a crime that can be committed without contact. It is easy to win the trust of the victim. At the same time, this form of non-contact reduces the criminals' sense of morality and sense of restraint, and the luck psychology is enhanced. In addition, the epidemic has made people living in their homes more dependent on the Internet. Online shopping, online job search, online loans and home lessons have become part of the new lifestyle of the people. Criminals take advantage of people's inconvenience during travel, shopping, job hunting or trusting teachers, and the success rate of fraud is greatly improved.
Sun Xiaodong observed that with the outbreak of the epidemic, some brick-and-mortar stores were closed, people chose online services more, and criminals took the opportunity to commit crimes.
Xiao Xu, who lives in Xiamen, was unfortunately recruited. He spent 86 yuan to buy a mobile phone screen online, waiting for the left and right, the courier did not wait, and waited for the express "customer service" phone. He was informed that the package was lost due to staff error, and the courier company was willing to double compensate 172 yuan.
Since the express company's attitude is so good, Xiao Xu did not hesitate to add WeChat according to the other party's request. After adding WeChat, the courier "customer service" sent a verification code to Xiao Xu. After scanning, Xiao Xu filled in the bank card number and payment password one by one according to the requirements. But as soon as he reached the stage of submission, his information showed that the system timed out and could not submit for several consecutive times. "Customer Service" carefully analyzed the reasons for him. According to the solution given by "Customer Service", Xiao Xu inexplicably downloaded two online loan apps and registered as a member.
But at this moment, the "customer service" disappeared, and Xiao Xu discovered that the "customer service" had used Xiao Xu's bank card information to borrow 85,500 yuan and 33,500 yuan respectively on the above two online loan apps. Fortunately, after Xiao Xu called the police, the case was resolved.
Fraudulent tricks and tricks to renovate
Xiao Xu's experience is not unique. During the epidemic, telecommunications frauds were emerging in an endless stream and tricks were being renovated. The reporter of "Legal System Daily" combed the recent relevant cases and found that the main methods of telecommunications fraud are as follows:
One is to fake the official app of a company. In the name of a company, criminals claim to provide high rebate wealth management activities, loan quotas, etc., to guide users to download fake apps, "customer service" to conduct fund transactions in fake apps, or to prompt "bank card errors" and other information in the transaction, asking users Make additional payments.
The second is to cancel the campus loan. The lawbreakers require the cancellation of student loans, campus loans, etc., to assist users in canceling quotas and accounts, and guide customers to operate loans to defraud funds by transfer.
On April 1, the Anti-Fraud Center of the Daxing Branch of the Beijing Municipal Public Security Bureau announced a case of fraudulent customer service fraud posing as a large-scale network platform. The reason given by the scammers was "The state rectifies campus loans, and users must cancel credit payments registered during university. Account, otherwise it will affect personal credit reporting, "Xiao Li, who believed to be the real victim, was defrauded of 88,500 yuan.
Shortly after graduating from Xiao Li University, he received a call from a self-proclaimed "official customer service" a while ago. The liar's statement made Xiao Li feel abrupt. Hesitantly, the other party accurately reported Xiao Li's school, major and account opening time. Xiao Li believes that he is worried about the impact of buying a house and a car in the future, and quickly asks the other party how to cancel.
The other party said that if you want to cancel your account, you must first ensure that there are sufficient deposits in the bank account, and the deposit amount must be consistent with the account application limit. If the money is not enough, you can borrow from other loan platforms and then transfer to the bank card.
Subsequently, Xiao Li loaned a total of 88,500 yuan from Alipay, Didi Chuxing and Jingdong Gold Bar according to the requirements of the other party and transferred it to the designated account. But after the news of the account cancellation did not come, the other party also lost contact.
The Anti-Fraud Center of the Daxing Branch reminded that there have been many scams like this one this year. Many college students are not deeply involved in the world, they are easy to believe in others, and fall into a "routine loan" scam. Many employees who have been to work for a short time will also be tempted by the "customer service" to use their identity information because they are not careful about registering their accounts.
The third is fraud in the name of account security. The criminals guide customers to add chat software in the name of "official customer service" on a platform, and after obtaining customer trust, they induce customers to provide personal sensitive information such as ID numbers, verification codes, bank card numbers and passwords, or transfer funds in the name of "account security". Go to the designated account via WeChat.
The fourth is after-sale fraud. The criminals use the quality problems of the historical orders to request refunds, exchanges or express gifts, and there are exceptions for express delivery to induce users to provide personal information, log in to fake websites or scan unknown QR codes for risk operations.
Fifth, fraudulent SMS. Criminals send text messages to customers, which involve words such as withdrawals, loans, etc., and contain links. After clicking, users are required to fill in personal information or bank card information, etc., resulting in financial losses; the text messages sent do not contain words related to a company, but the user ’s After the bank card information is scammed, the scammer uses the customer's bank card information to make a transaction in a company's App.
Six is to pay the bill. The customer took the initiative to participate, or was tempted by the criminals to participate in the bill and credit reputation, promised to return the full amount, and gave the customer a certain percentage of commission. After the customer cooperated with the operation, the merchant did not perform the contract.
In addition, there are other "niche" scams.
Obvious effectiveness of police-enterprise cooperation in fraud management
How to manage the persistent problem of telecommunications fraud?
According to Sun Xiaodong, during the epidemic, the public security organs have always tried their best to crack down on online fraud crimes. The major online platforms have also cooperated with the public security organs to provide clues to the case, which has proved to be positive and effective.
In the case of Xiamen Xiaoxu, the police-enterprise cooperation achieved positive results. It is understood that JD Finance, with its advanced financial technology strength and rich experience in attacking and defending black industries, and the industry-leading all-round risk management system, uses AI black technology to "fight the super-brain" relationship network, knowledge graph, neural network and other anti-fraud Algorithm, real-time monitoring of abnormal behavior, assessment of credit risk, successfully helped the police to lock and arrest the suspect.
Obviously, the Internet platform has obvious technical advantages, and has formed a joint effort with the police to crack down on fraud. According to the relevant person in charge of JD Finance, for a long time, online telecommunications fraud has caused serious reputational impact and economic losses on enterprises. JD Finance has continued to invest resources and has been working hard to combat these illegal acts, combining existing technological means to give full play to its technological advantages, We independently developed a number of intelligent risk control systems to identify suspicious transactions and provide timely warnings to ensure the security of customer account information in all aspects.
"Communicate with the police on the frauds involving our company at any time, actively cooperate with the police to carry out efficient crackdowns on illegal activities such as online telecommunications fraud from the source of crime, and implement corporate social responsibility to protect the legitimate rights and interests of consumers and to purify the network. Contribute to the business environment, and in order to give consumers a better safety education and risk warning, JD Finance has set up a consumer rights protection department to regularly provide users with the most cutting-edge through online and offline channels such as WeChat, Weibo, and campus access The knowledge of anti-fraud improves users' awareness of preventing fraud in telecommunication networks. "The person in charge said.
Indeed, it is very important for users to improve their anti-fraud awareness and security awareness. Industry experts pointed out that because such cases are caused by the user's personal behavior, it is more difficult to hold the online loan platform accountable. On the one hand, users should pay attention to personal privacy and information protection. On the other hand, when they encounter similar calls involving money, they must pay more attention and verify it, such as calling the official phone of the relevant platform for consultation or consulting professionals, not in In a hurry, follow the requirements of the fraudsters. If you are scammed, you must pay attention to retain and collect relevant evidence and report to the police in time.