Legal analysis: breaking the law. Criminals use citizen information purchased online to rent a remote network server to crash the bank's online banking, and commit telecom fraud on bank customers on the grounds of increasing the credit card limit. Criminals send QR codes to the victims on the grounds of online shopping refunds, etc., and defraud the victims' property by scanning code payment. The so-called calling card secret is the abbreviation of card number and password, and it is a fixed face value stored value card issued by three major operators: China Telecom, China Unicom and China Mobile. Nowadays, what merchants sell is no longer the physical stored-value card, but the "card secret" on the card, that is, the string of numbers. Criminals spend a lot of money to buy these prepaid cards, and the swindled money is laundered into their own pockets without being discovered by the police. Buying high and selling low "card secrets" is the quickest and safest way to achieve this goal.

Legal basis: Article 266 of the Criminal Law of the People's Republic of China

Whoever defrauds public or private property in a relatively large amount shall be sentenced to fixed-term imprisonment of not more than three years, criminal detention or public surveillance, and shall also, or shall only, be fined; If the amount is huge or there are other serious circumstances, he shall be sentenced to fixed-term imprisonment of not less than three years but not more than ten years and shall also be fined; If the amount is especially huge or there are other especially serious circumstances, he shall be sentenced to fixed-term imprisonment of not less than 1 years or life imprisonment, and shall also be fined or confiscated. Where there are other provisions in this Law, such provisions shall prevail.