Why did the number of electronic fraud cases drop sharply here?

Reporter investigates Chongqing to build a national anti-fraud steel Great Wall

  Investigating motivation

  In recent years, various localities and departments have always maintained a high-pressure and strict crackdown on telecommunications network fraud, and initially curbed the rapid increase in the number of telecommunications network fraud cases.

At the same time, criminals' modus operandi is constantly being renovated and patterns are emerging one after another, leading to the continuous high frequency of telecommunications network fraud cases and serious violations of the people's property safety. The masses hate this and react strongly.

  Recently, the Chongqing Municipal National Anti-fraud Special Action Promotion Conference disclosed that from January to August this year, the number of online fraud cases of Chongqing Telecom dropped by 17.96% year-on-year.

In the current situation of telecommunications network fraud crimes is still severe and complex, how can Chongqing achieve a substantial decline in the number of cases?

To this end, reporters from the Rule of Law Daily visited the frontline.

  □ Our reporter Wu Xiaofeng fights Haifeng

  Granny Wu from Shapingba District of Chongqing City wanted to transfer money to a liar.

  She came to the bank to open online banking to prepare for the transfer. The bank staff found the problem and promptly dissuaded and called the police. Before the police arrived, Granny Wu hurriedly left and did not answer the police call. She asked passers-by to help transfer the funds, but was discouraged by passers-by. After an online investigation, the police found her and persuaded her with Granny Wu's family who rushed over. Granny Wu superficially agreed and wanted to transfer the money again the next morning. At this time, the doctor of psychology came to carry out psychological counseling, and finally made Granny Wu truly wake up.

  This is a scene that happened in mid-July this year.

Police, bank staff, passers-by, family members, and psychologists all joined the battle. This is also a vivid scene of Chongqing's construction of the National Anti-fraud Steel Great Wall.

  According to statistics, since the launch of the nationwide anti-fraud campaign on January 1 this year, as of the end of August, Chongqing Telecom’s network fraud cases have dropped by 17.96% year-on-year, and more than 6,000 suspects of electrical fraud have been transferred to prosecute, an increase of 90.2% year-on-year. The number of cases is high. The situation has continued to slow down, the crackdown has gradually shown its effectiveness, and the stop payment and loss reduction have increased significantly, and a gratifying periodical answer sheet has been handed in.

  Citywide mobilization

  Sound the national anti-fraud horn

  "Nationwide anti-fraud, you and me," "Resolutely curb the high incidence of telecommunications network fraud crimes"... From the evening of June 15 to 17, the anti-fraud and anti-fraud warnings continued to be broadcast on the large screens of the two rivers and four banks in Chongqing. The city staged a national anti-fraud theme light show, adding another scene to the beautiful and bright night sky of the mountain city.

  From single rebate scams to online gambling scams, from "killing pigs" to low-interest and non-detaining serials, in recent years, criminals at home and abroad have fabricated false information, set up various scams, and implemented remote, non-contact on victims The masses are hard to guard against and suffer from such fraud.

In 2020 alone, the property losses involved in telecommunications network fraud cases across the country will be as high as 35.37 billion yuan.

  It is urgent to curb telecommunications network fraud.

Effectively enhancing the people's awareness of fraud and prevention is the basic work to curb the high incidence of telecommunications network fraud crimes.

To this end, with the approval of the municipal party committee and the municipal government, Chongqing launched a three-year national anti-fraud action on January 1 this year. Headquarters", mobilize the party committees and governments of all districts and counties, the competent departments of various industries, and all sectors of society to fight a people's war against fraud and deception.

  Yubei District invited Internet celebrities and folk artists to shoot short anti-fraud videos and put them on major platforms; Nan'an District established the "Police-Enterprise Anti-fraud" alliance, truck drivers turned into anti-fraud propaganda volunteers; Banan District and local schools and properties The company and other companies jointly carried out publicity...innovative anti-fraud publicity in various districts and counties, and the activities have their own characteristics.

  "Rules of Law Daily" reporters recently saw in an interview that there are specially organized anti-fraud propaganda activities on campus; in companies, there are warnings about common fraud methods for employees; in the community, there are concise and deeply rooted slogans; in business circles , LED large screens and light shows lead the trend; in the unit, party members and cadres play a leading role in influencing people around them.

Chongqing has initially established a new pattern of "anti-fraud by all police and anti-fraud by the whole society".

  As of August this year, Chongqing has held more than 94,000 publicity events, played more than 2.97 million videos, and sent more than 240 million warning text messages, forming a strong national anti-fraud atmosphere, and realizing full coverage of anti-fraud propaganda on the streets of Chongqing. See.

  In this regard, Lei Yancun, a researcher at the Chongqing Institute of Social Governance and an associate professor at Southwest University of Political Science and Law, commented that from the perspective of social governance, national anti-fraud has expanded the main body of anti-fraud work, which is compatible with the wide range and complexity of anti-fraud work. Features, not only in line with the basic requirements of the social governance system of “party committee leadership, government responsibility, social coordination, public participation, and rule of law guarantee”, it is also an innovative measure to create a social governance pattern of co-construction, co-governance and sharing, and enhance the breadth and depth of anti-fraud work , To help the anti-fraud work to achieve practical results.

  Classification policy

  Key groups prescribe the right medicine

  At the end of July this year, Ms. Li, a financial officer of a company in Liangjiang New District, received an e-mail claiming to be the chairman of the company, asking her to join a non-external office QQ group and keep it confidential.

After joining the group, Ms. Li pulled Ms. Feng, the cashier, into the group in accordance with the requirements of the "Chairman".

  Subsequently, the "chairman" asked Ms. Feng to transfer 3 million yuan from the company account to her personal account.

Ms. Feng was about to transfer money, and suddenly thought of attending the anti-fraud propaganda lecture held by the Dazhulin Police Station of the Liangjiang New District Public Security Bureau a few days ago.

  Ms. Feng and Ms. Li immediately reported the situation to the company leaders and found it was a scam.

"Thanks to the police for carrying out anti-fraud publicity training for our company's financial staff, otherwise the consequences would be disastrous. In the future, we will definitely further strengthen the anti-fraud training for employees, so as not to give scammers a chance." The person in charge of the company said.

  At present, a total of 429,000 financial and accounting personnel in Chongqing have received anti-fraud propaganda training.

  From a practical point of view, financial personnel, student groups, and elderly groups are all key targets for criminals to commit online fraud.

How to categorize policies to carry out publicity and training is an important task that all relevant departments in Chongqing have been thinking about.

  In response to students who are not deeply involved in the world, the Chongqing Municipal Education Commission, together with the Municipal Party Committee’s Propaganda Department, Municipal Party Committee Cyberspace Affairs Office, Municipal Public Security Bureau, and Municipal Human Resources and Social Security Bureau, launched a series of "Nationwide Anti-fraud Guardian Campus" series of activities to launch online countermeasures. Fraud theme publicity activities.

  In Yongchuan District, 17 colleges and universities, colleges and universities established the "Youth in Action, Anti-Fraud, I Go First" campus anti-fraud alliance to launch an anti-fraud sitcom contest; More than 1,000 works were submitted, and a total of 2.3 million people participated in the voting. In Nan'an District, students set up a team of anti-fraud volunteers to promote anti-fraud knowledge through activities such as the "Little Warm South" red scarf volunteer practice...

  Aiming at the elderly, the Chongqing Anti-Fraud Center and Tencent jointly planned and launched the anti-fraud square dance competition public welfare activity of the "Ginger is the Old Spicy Anti-Fraud Power" based on the "Guardian Plan"; together with Ant Financial and Lan The vest public welfare organization plans to carry out anti-fraud and anti-fraud entry into the community activities.

  "We set up a special class for research and judgment, and conducted research jointly with the Criminal Investigation College of Southwest University of Political Science and Law, and introduced professional forces to analyze the types of high-incidence cases, the characteristics and psychology of vulnerable groups, etc., and on this basis, we carried out anti-fraud propaganda based on the right medicine." Anti-fraud in Chongqing. The relevant person in charge of the center said that anti-fraud propaganda is like curing a disease, and only by identifying the crux of the problem can the right medicine be prescribed.

For some individuals who are deeply involved, daily anti-fraud propaganda is difficult to fundamentally solve the problem. In the future, it is necessary to develop more effective early warning and dissuasion techniques based on the psychological research of the victim.

  Smart prevention and control

  Anti-fraud is one step faster

  hurry up!

Hurry up!

At 17:50, policeman Wang Zhipeng was driving forward quickly.

Twenty minutes ago, the Tongliang District Anti-Fraud Center received an early warning message from the Municipal Anti-Fraud Center-"High Risk".

  Ms. Zhou is a shopkeeper in a building materials market in Tongliang District. Because one piece of online shopping was missing, she contacted the courier company by phone.

At 17:15 that same day, she received a call from the shop owner who claimed to be an online shop. With one call after another, the topic between them gradually changed from "out of stock matters" to "payment of deposit."

  At 17:30, the Anti-fraud Center of Tongliang District received the "high-risk" message.

Immediately, the police called Ms. Zhou's phone, and the busy and hung up phone prompts made the atmosphere more and more tense.

At 17:39, the call was finally connected, but after the police identified her identity, Ms. Zhou dropped the sentence "I have not been deceived" and hung up the phone in a hurry.

  "Start the emergency plan immediately!" After receiving the instruction, policeman Wang Zhipeng from the police station nearest the building materials market arrived at the building materials market two minutes later.

At this time, Ms. Zhou, who finally realized that something was wrong, panicked, because she was about to transfer 50,000 yuan under the fierce phone offensive of scammers, so she had to enter the verification code.

Wang Zhipeng promptly helped her withdraw from the transfer interface, but luckily there was still time.

  The relevant person in charge of the Chongqing Anti-fraud Center told the reporter that the anti-fraud early warning platform built by the center has gathered data from various channels, and in accordance with the principle of "discover first, push first", and then automatically research and judge through big data, correlate and discover potential telecom frauds. victim.

According to the risk behavior of potential victims, the early warning and dissuasion instructions are divided into four levels: special risk, high risk, medium risk, and low risk, and are issued to the district and county anti-fraud centers and police stations through the anti-fraud early warning platform.

For information for which the specific address of the victim cannot be identified, the Municipal Anti-Fraud Center conducts in-depth research and judgment to clarify the address and issue a telephone warning.

  Today, the level of anti-fraud technology prevention in Chongqing has been significantly improved. The number of potential defrauded information has been analyzed and the number of early warning instructions has risen from the daily average of 2,000 at the beginning of the year to the current 18,000. The total number of early warnings has been discouraged by 2.32 million, with an effective rate of up to 99.89%.

  While the three-level early warning and dissuasion system is operating efficiently, "stop payment in seconds" is also an efficient anti-fraud method.

In order to better carry out anti-fraud work and reduce the victims' property losses, Chongqing has set up special posts for stop payment in various police stations to ensure that payment stop entry is made to the account involved in the case as soon as possible, and to gain valuable time for transfer stop payment.

  In February of this year, Mr. Chen, a citizen of Chongqing, suffered a “killing pig” scam. Xiaona, whom she met in the dating group, introduced an app that was said to be able to rebate 3 to 8 times, so Mr. Chen continued to recharge 110,000 yuan.

However, when Mr. Chen wanted to withdraw cash, he was told by the customer service that he needed to continue to recharge, and he realized that he had been cheated.

  After receiving the alarm, the policeman at the police station immediately turned on the "one machine with two screens" computer specially used to record the information of the electric fraud police, and entered the payment stop information. Mr. Chen was on the side to check it simultaneously on the screen.

A few minutes later, the stop payment information was transmitted to the Municipal Anti-Fraud Center, and the emergency response plan was quickly activated, related stop payment work was carried out, and the full stop payment of the 110,000 yuan defrauded funds was frozen in time.

  Through a series of measures such as "payment within seconds" and other measures, the whole city of Chongqing has recovered and returned 126 million yuan of funds involved in fraud this year, more than twice the amount in the whole of last year.

  Leiyan Village suggested that in the national anti-fraud work, the two-dimensional governance path of "smart governance" and "rule of law" should be continuously optimized, focusing on the development, promotion and application of anti-fraud technology to build a safeguard against fraud, and focusing on strict rule of law Practice to consolidate the dimension of law enforcement and relief of anti-fraud work, so as to build an anti-fraud work system that connects before, during and after the event, and realizes the efficient governance of anti-fraud work.

  Collaboration

  Gather a strong anti-fraud synergy

  Whether it’s a "killing pig" under the guise of dating and making friends, online gambling that makes people more and more trapped, or the remunerative online billing, and extremely profitable investment software, as long as it involves transfers, most of them cannot bypass the bank in the end.

  And when the victim goes to the step of bank transfer, it also shows that the telecommunications network fraudster is about to succeed.

How can we build an effective line of defense at the bank?

The Chongqing Business Management Department of the People’s Bank of China gave the answer: beforehand, check accounts including bank cards, control suspicious accounts, and advertise knowledge of telecommunications network fraud to customers before opening accounts; during the incident, if suspicious behavior is discovered, immediately Suspend off-counter behaviors of bank accounts and stop all business of payment accounts; afterwards, transfer the account clues involved in the case to the public security department, and regularly notify the accounts involved in the case.

  In March of this year, Mr. Xue, the legal representative of a company in Chongqing, reported to the police that criminals impersonated the leader and asked him to transfer money to a designated account.

Mr. Xue, who had not been verified, directly transferred RMB 580,000.

  The 110 Command Center of Chongqing Public Security Bureau immediately sent police information to the Chongqing Anti-Fraud Center.

After receiving the alarm, the center immediately initiated an emergency stop payment.

With the full cooperation of the bank staff, the police successfully intercepted 350,000 yuan on the level 1 card involved and 210,000 yuan on the level 2 card involved in the case after only 10 minutes after level 3 tracking.

  As a member unit of the National Anti-fraud Campaign, communications are as important as banks.

For a period of time, the Chongqing Municipal Communications Administration and public security agencies have coordinated and linked together to actively build work platforms and systems to provide strong support for anti-fraud work.

  The relevant person in charge of the Chongqing Anti-Fraud Center told the reporter that the prevention and control of telecommunications network fraud has now been included in the work assessment of Chongqing telecommunications enterprises. The registration information of the user's real-name registration and access to the network will be spot-checked, and abnormal card opening clues will be thoroughly investigated, and suspicious account numbers will be shut down, contract cancelled, and credit management measures taken.

At the same time, major telecommunications companies have strengthened the management of employee ID numbers and standardized the procedures for individual users to handle telephone access to the network.

  Since last year's "Card Broken" operation, Chongqing's communications industry has assisted the public security organs in shutting down 27,000 illegal phone numbers and more than 950,000 fraudulent domain names.

  Nowadays, the national anti-fraud has formed a strong consensus in all industries and departments in Chongqing. They focus on source governance, strengthen communication and coordination, establish a collaborative supervision mechanism, strictly implement the supervision of related industries and fields, and gradually form a strong anti-fraud co-governance force.

Since the beginning of this year, in cracking down on the "disconnection" and "disconnection" operations of telecommunication network fraud-related crimes, the city's public security organs have eliminated 73 "two-card" criminal gangs and arrested more than 4,800 suspects.

  Comics/Gao Yue