Jiangsu police cracked down on cross-border extra large illegal payment platform and arrested 72 people involved
In the in-depth promotion of the "Net Net 2020" special operation and the network heavy case special operation, the Suzhou Municipal Public Security Bureau Network Security Detachment and Zhangjiagang Police recently cracked down a case of a cross-border extraordinarily illegal fourth-party payment platform, successfully destroying a routine loan fraud Criminal gang providing payment settlement channels. 72 people were arrested, and the funds involved were more than 480 million yuan.
An unpayable online loan
In February this year, Ms. Gu, a citizen of Zhangjiagang, Jiangsu, urgently needed money, so she borrowed a sum of money online, but when Ms. Gu got the loan, she felt that she had been deceived, so she called the police.
Ms. Gu: I found a loan software on the Internet called "You Mi You Pin". Then I filled in my information and bank card account number. Then I expected how much the loan was. After losing 3000 yuan, there was a The 1650 yuan went to the bank card account I filled immediately.
The loan staff said that more than 1,300 yuan is a service fee, so Ms. Gu only got 1,650 yuan. When Ms. Gu felt that the charges were too high and wanted to repay the money in advance, she couldn't afford it.
Ms. Gu: After 5 days, the loan period is 5 days, I want to repay the money, but still can not pay. Then a sum of money called liquidated damages was generated, which required 300 yuan per day for liquidated damages.
After receiving the report, the police immediately locked the loan app and conducted an in-depth investigation.
Cai Hao, the policeman of the Zhangjiagang Public Security Bureau Net Police Brigade: As long as their risk control is approved and the victim is the target of the loan, the victim does not need to go through the step of clicking the loan application, and the loan transfer is directly tied to the victim's binding. In the bank card, this is called a forced loan. Another situation is that their loan app will take the initiative to be delisted after a period of time, and the victim has no way to repay the loan normally.
After investigation, the "fourth party payment platform" surfaced
Not only did Ms. Gu, who was swindled with the loan, not pay the money, she also had to pay the so-called liquidated damages every day. If she refused to pay the liquidated damages, the other party would keep calling, texting, and verbally threatening.
According to clue investigation, the police found that Ms. Gu entered a routine loan scam. After further investigation, a so-called fourth-party payment platform entered the police's sight.
The police investigation found that the loan app was suspected of routine loans, so how did Ms. Gu get in touch with the loan app?
Cai Hao, police officer of the Zhangjiagang Public Security Bureau Net Police Brigade: App must have the so-called gold owner of the owner. The gold owner is responsible for the loan financing of the app. Another one is to make a loan app. After he makes the app, he needs to promote the app Going out, that is, pushing it into the hands of so-called target customers.
By investigating the promotion team of this App, the police found that hundreds of loan apps suspected of routine loans, including "You Mi You Pin", were on a fourth-party payment platform called "Fire Bull".
Zuo Chao, Deputy Director of Tangqiao Police Station of Zhangjiagang Public Security Bureau: The fourth-party payment platform in this case is actually a virtual currency trading platform. The so-called fourth-party payment is through a variety of third-party payment platforms, cooperative banks, etc. Payment tools to complete comprehensive payment services. In the case, the fourth-party payment actually manipulated by the "Fire Bull" platform was an unlicensed institution that did not obtain a legal payment business license and illegally developed fund payment settlement services.
The police found that the "Fire Bull" platform was founded by Wang and other four people. They have a clear division of labor, some are specifically responsible for loan collection, some are specifically responsible for loan collection, and some are specifically responsible for app promotion, and are also used internally. Single order mode.
Cai Hao, Police Officer of the Zhangjiagang Public Security Bureau Net Police Brigade: Once the loan app has a record of a customer loan order, an order is generated in the virtual currency platform. After the order's internal staff found that the order, they rob each other and who robs After arriving at this list, the bank card held by the internal staff in his possession would be used to send the money to the victims and lenders.
The police further investigated and found that the internal operation of the platform also used blockchain technology, and settled with the virtual currency "fire bull coin", in order to avoid fund tracing.
Cai Hao, the policeman of the Zhangjiagang City Public Security Bureau Net Police Brigade: The final settlement is the settlement of the virtual currency platform and the gold owner of the loan app, based on the number of "fire bull coins" in your account.
Online loan fraud gang was arrested by 72 people
After more than two months of investigation, the Zhangjiagang police basically grasped the core clues such as the organizational structure of the "Fire Bull" fourth-party payment platform, and quickly launched the arrest of all suspects involved in the case.
On April 28, the Zhangjiagang Police organized 116 police forces to go to Guangdong, Guangxi, Sichuan, and Zhejiang to carry out simultaneous network collection operations. 72 people were arrested, 41 computers were seized, and the funds involved were more than 480 million yuan.
This crackdown has achieved a full chain crackdown from App gold owners, fourth-party payment platforms, App developers, and App promoters. As of the incident, there are more than 100 App merchants registered in the "Fire Bull" fourth-party payment platform, with more than 200,000 loan records, and more than 210,000 victims of online loan fraud. The platform charges a handling fee for each transaction according to 1-1.5%. According to preliminary statistics, the platform has accumulated more than 90 million yuan in accumulated funds. However, at this time, the main criminal Wang Mou and 7 others were still in Myanmar.
Cai Hao, the policeman of the Zhangjiagang Public Security Bureau Net Police Brigade: cut off all his capital chains. The second is to start with his family, because we understand that he is a person with high IQ and high education. His family, including his wife, have relatively stable or decent jobs. We persuaded his family.
Affected by the epidemic, flights were in short supply, and entry from land became the only option. For this reason, Zhangjiagang Police sent many police forces to the border between China and Myanmar. From May 22 to June 9, seven people including platform chief Wang Mou entered the country in three batches from the Ruili Port and the South Umbrella Port in Yunnan, respectively. The main criminal Wang Mou was a high-tech student who graduated from a computer major in a prestigious school. He had mastered the technology of developing a fourth-party platform before.
Cai Hao, the policeman of the Zhangjiagang Public Security Bureau Net Police Brigade: found that people took out these technologies they developed and made money, and made a lot of money, then they quit their jobs that were actually considered to be quite high wages in our opinion. After quitting his job, he came out and developed this "Fire Bull" platform.
At present, the 36 suspects involved in the case have been subjected to criminal coercive measures, and the remaining personnel have also been dealt with according to law. (Zhang Gang, CCTV reporter)