"Hello, I am the official customer service of XXX. Seeing that you have a loan demand recently, we can help you apply for a loan amount of 30,000 yuan to 100,000 yuan. The next payment is fast, the procedures are simple and the interest is very low."
This kind of "pie falling from the sky" has made many enterprises and individuals who are short of funds feel like "a long drought meets the rain", not to mention the reliable and formal customer service of large enterprises such as Zhongan Xinye, Jingdong Finance and Gitzo Finance. I think it is the welfare that these large enterprises responded to the call of the state to the people under the epidemic.
Therefore, according to the guidance of "customer service", we added WeChat to facilitate the loan business. "Customer Service" sends a link, the user downloads an App, and then fills in the relevant loan information as required, just waiting for the loan to be approved.
After a while, the "enthusiastic" "customer service" came to the news again: "Your account number of the receiving bank card is wrong, and the loan funds are frozen. You need to pay a deposit of 6,000 yuan to unfreeze it. Please do it quickly, otherwise you will not only repay the loan, but also report it to the credit bureau."
The deposit was paid, but the loan on the promised day never came. What’s even more strange is that the WeChat was sent to the "customer service" and it was blacked out, and the call could not be reached.
Obviously, the methods of telecom fraud have been upgraded closely with the hot spots: counterfeiting corporate customer service and using counterfeit apps, online "customer service" communicates with users and takes money from users, which is extremely confusing.
Sun Xiaodong, director of the Cyber Crime Investigation Teaching and Research Section of China Criminal Police College, said in an interview with the reporter of Legal Daily recently that consumers should download apps from regular software stores, choose online services on regular platforms, and don’t be tempted by interests to take risks or trade illegally. "If you encounter fraud, you should report it to the police at the first time. Don’t be ashamed to talk about it, and don’t get entangled in the online platform, so as not to delay the opportunity to solve the case."
Fraud accounts for nearly 60% of epidemic-related crimes.
During the epidemic, criminals who committed telecom fraud were not idle.
This can be understood from a set of data released by the Supreme People’s Procuratorate on April 8th: with the convenience and concealment of network communication, the number of fraud cases increased greatly during this epidemic. As of April 7th, the national procuratorial organs approved the arrest of 1,588 cases and 1,675 persons for fraud crimes, and prosecuted 881 cases and 926 persons, accounting for 58.4% and 47.3% of all epidemic-related criminal cases respectively.
Why can fraud "squat" on the epidemic? Miao Shengming, director of the First Prosecutor’s Office of the Supreme People’s Procuratorate, analyzed that there are many reasons for the high incidence of cases. One of them is that telecommunication network fraud is a crime that can be implemented without contact. Some criminals use the characteristics of online fraud to meet each other, making it easier to win the trust of victims. At the same time, this non-contact form makes criminals’ sense of morality and restraint decline and their luck psychology increase. In addition, the epidemic has made people stay at home and rely more on the Internet. Online shopping, online job hunting, online loans and home-based classes have become a new way of life for some people. Criminals take advantage of people’s inconvenient travel, eagerness to shop, job hunting or trust teachers during the epidemic, and the success rate of fraud is greatly improved.
Sun Xiaodong observed that with the outbreak of the epidemic, some physical stores closed down, 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 on the Internet, waiting left and right, but the courier didn’t come, and the call from the courier "customer service" came. He was told that the parcel was lost because of the staff’s mistake, and the courier company was willing to pay double indemnity 172 yuan.
Since the attitude of the courier company is so good, Xiao Xu did not hesitate and added WeChat according to the request of the other party. After adding WeChat, the express "customer service" sent a verification code to Xiao Xu. After scanning, Xiao Xu successively filled in the bank card number and payment password as required. However, as soon as he reached the submission stage, his information showed that the system had timed out and could not be submitted several times in a row. "Customer Service" carefully helped him analyze the reasons. According to the solution given by "Customer Service", Xiao Xu inexplicably downloaded two online loan apps and registered them as members.
But at this time, "customer service" disappeared, and Xiao Xu found out that "customer service" had borrowed 85,500 yuan and 33,500 yuan on the above two online loan apps through Xiao Xu’s bank card information. Fortunately, after Xiao Xu called the police, the case was broken.
Fraud, pattern renovation, hard to prevent
Xiao Xu’s experience is not a case. During the epidemic, telecom fraud methods emerged in an endless stream and were refurbished. The "Legal Daily" reporter combed recent related cases and found that there are mainly the following methods of telecom fraud:
The first 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 lines, etc., to guide users to download fake apps, and "customer service" conducts capital transactions in fake apps or prompts "bank card error" and other information in the transaction, requiring users to pay extra money.
The second is to cancel the campus loan. On the grounds of canceling student loans and campus loans, criminals demand to help users cancel quotas and accounts, and guide customers to operate loans to defraud funds by means of transfer.
On April 1st, the anti-fraud center of Daxing Branch of Beijing Public Security Bureau announced a case of impersonating a customer service fraud of a large-scale network platform. The reason given by the fraudster was that "the state has rectified campus loans, and users must cancel the credit payment account registered during their college years, otherwise it will affect personal credit information", believing that Xiao Li, the real victim, was cheated out of 88,500 yuan.
Shortly after Xiao Li graduated from college, he received a phone call claiming to be "official customer service" a while ago. The liar’s statement made Xiao Li feel very sudden. When hesitating, the other party accurately reported Xiao Li’s school, major and account opening time. Xiao Li believed it. He was worried that buying a house and a car would be affected in the future, so he quickly asked the other party about the cancellation method.
The other party said that in order to cancel the account, we must first ensure that there is enough deposit in the bank account, and the deposit amount should be consistent with the account application amount. If the money is not enough, you can borrow from other loan platforms and then transfer to the bank card.
Subsequently, according to the requirements of the other party, Xiao Li borrowed a total of 88,500 yuan from Alipay, Didi Chuxing and JD.COM Gold Bar respectively and transferred them to the designated account. However, the news of account cancellation did not come, and the other party lost contact.
The Anti-Fraud Center of Daxing Branch reminded that there have been many scams like this this year. Many college students are not deeply involved in the world, easy to trust others and fall into the "routine loan" scam. Many employees who have not been to work for a long time will also be lured into a trap by "customer service" with identity information because they are not careful in registering accounts.
The third is fraud in the name of account security. In the name of "official customer service" of a platform, criminals guide customers to add chat software, and after gaining customers’ trust, they induce customers to provide personal sensitive information such as ID number, verification code, bank card number and password, or transfer funds to designated accounts through WeChat.
The fourth is after-sales fraud. On the grounds that there are quality problems in historical orders, criminals demand a refund or exchange goods for customers, or express that they want to send gifts, and there are abnormal express delivery, etc., they induce users to provide personal information, log in to fake websites or scan unknown QR codes for risky operations.
The fifth is fraudulent text messages. The criminals send short messages to customers, which involve words such as withdrawal and loan, and contain links. After clicking, they ask users to fill in personal information or bank card information, resulting in financial losses; The content of the text message sent does not contain words related to a company, but after the user’s bank card information is defrauded, the scammer uses the customer’s bank card information to make a transaction in a company’s App.
The sixth is to brush the bill. Customers take the initiative to participate, or are lured by lawless elements to participate in the billing and credit, and promise to return the full amount and give customers a certain percentage of commission. After the customers cooperate with the operation, the merchants fail to perform the contract.
In addition, there are other "niche" fraud methods.
Cooperation between police and enterprises to control fraud has achieved remarkable results
How to control the stubborn disease of telecom fraud?
In Sun Xiaodong’s view, during the epidemic, the public security organs always made every effort to crack down on online fraud crimes, and major online platforms also fully cooperated with the public security organs to provide case clues, which has proved to be positive and effective.
In the case of Xiao Xu in Xiamen, the cooperation between police and enterprises has achieved positive results. It is understood that Jingdong Finance relies on advanced financial technology strength, rich experience in attack and defense of black products, and industry-leading all-round risk management system, and uses anti-fraud algorithms such as AI black technology "risk control super brain" relationship network, knowledge map and neural network to monitor abnormal behavior in real time, assess credit risk, and successfully help the police lock and arrest suspects.
Obviously, the technical advantages of the Internet platform are obvious, and a joint effort with the police to combat fraud will get twice the result with half the effort. According to the relevant person in charge of Jingdong Finance, for a long time, online telecom fraud has caused serious reputational impact and economic losses to enterprises. Jingdong Finance has continuously invested resources, and has been working hard to combat these illegal acts. Combining with the existing scientific and technological means, it has given full play to its own technological advantages and independently developed a number of intelligent risk control systems, which are used to identify suspicious transactions and provide early warning in time to ensure the information security of customer accounts in an all-round way.
"Communicate with the police at any time about the detected fraud involving our company, actively cooperate with the police to effectively crack down on illegal activities such as online telecom fraud from the source of the crime, and practice corporate social responsibility to contribute to protecting the legitimate rights and interests of consumers and purifying the online business environment. At the same time, in order to give consumers better safety education and risk warning, JD Finance has set up a consumer rights protection department to provide users with the most cutting-edge anti-fraud knowledge on a regular basis through online and offline channels such as WeChat, Weibo and entering the campus, so as to improve users’ prevention of telecom networks. The person in charge said.
Indeed, it is very important for users to improve their anti-fraud awareness and safety awareness. Experts in the industry pointed out that it is difficult to investigate the responsibility of the online lending platform because such cases are caused by the user’s personal independent behavior. On the one hand, users should pay attention to personal privacy and information protection. On the other hand, when they encounter similar phone calls involving money, they must pay more attention to it and verify it in many ways, such as calling the official phone number of the relevant platform or consulting professionals, instead of doing relevant operations according to the requirements of fraudsters in a hurry. If you are defrauded, you must pay attention to retaining and collecting relevant evidence materials and call the police in time. (Reporter Zhang Wei)