Xiao Zou, a citizen of Yangzhou, Jiangsu Province, was shopping online on Taobao at home recently. He paid for it quickly after taking a fancy to a product. Unexpectedly, Xiao Zou received a call soon. The other party said that he was Taobao customer service, "There was a problem with our system just now, and your payment failed." The staff on the other end of the phone said that they had to refund the money to Xiao Zou first. Zou's bank card, and then Xiao Zou pays again. On the 26th, reporters learned from the Yangzhou police that this is actually a new type of online fraud method - by obtaining other people's online banking account passwords and "swiping other people's cards" for online shopping.

Fraud under the guise of "unsuccessful online shopping payment"

"A link will be sent to you immediately. You enter your name, ID number and password online..." Because of urgency Wanting to get the money back, Xiao Zou followed the other party's request, opened an Internet link, and filled in all his personal information and the Agricultural Bank of China card number and password. Soon, he received a verification code on his mobile phone. The other party asked Xiao Zou to send the verification code. Xiao Zou said that he was confused and sent the verification code he received. At this time, Xiao Zou received another text message. This text message woke up Xiao Zou. He had received information that his Agricultural Bank of China card had spent 6,088 yuan on Jingdong Mall.

"No, I was cheated!" In order to verify his conjecture, Xiao Zou quickly went to Taobao to check his transaction status. The Internet showed that his payment had been successful, and there was no such thing as a refund.

The police rushed to recover the losses of the parties involved

Because the incident happened at night, at around 9 o'clock that night, Xiao Zou immediately left the house when he found out that he had been cheated, and ran all the way to the Yangzhou Public Security Bureau. Qujiang Police Station asked for help. Wang Hongtao, a police officer from Qujiang Police Station who received him, Wang Hongtao's wife works in a bank, and Wang Hongtao is usually familiar with banking business.

Xiao Zou originally applied for an Agricultural Bank of China card that could be overdrafted. The overdraft limit of the Agricultural Bank of China card was more than 20,000 yuan, in order to prevent fraudsters from further overdrafting the money in Xiao Zou's card. Wang Hongtao first took Xiao Zou to the bank's ATM machine. First, he inserted the card into the ATM machine and entered the password at will. After entering the wrong password three times, the account was temporarily locked to prevent criminals from transferring money through mobile banking or online banking and avoid Xiao Zou's card. Funds were further lost.

Because the bank card is frozen for only 24 hours, the time limit is also 24 hours. If you need to continue to freeze and stop payment, you must repeat the above operations after 00:00 the next morning.

Under Wang Hongtao's suggestion, Xiao Zou called the bank's customer service number and provided his personal information, and finally succeeded in extending the freezing time of his bank card.

Wang Hongtao then called JD.com’s customer service number. Xiao Zou provided his information (credit card number and other information) to JD.com to prove that he had been deceived and asked JD.com to check the scammer’s consumption situation. After learning about the Yangzhou police's request, JD.com informed the scammer that he used Xiaozou's bank card to buy an electronic product worth 6,088 yuan.

Because the goods had not yet been shipped, the police from Qujiang Police Station asked JD.com to detain the purchased goods and return the 6,088 yuan deducted from the goods to Xiao Zou’s bank account. After negotiation, on the 25th, the 6,088 yuan defrauded by Xiao Zou was finally returned to his account.

Police advice: Victims of telecom fraud should learn to "rescue themselves"

Telecom fraud is difficult to guard against, and it is rare to find someone like Xiao Zou who can recover all the defrauded money. "This is related to the fact that he discovered that he was deceived in time and we took timely measures." Chen Naifei, director of Qujiang Police Station, said that based on their experience, there is a concept of "golden half hour" to recover losses in telecom fraud cases.

What should you do if your bank card information is obtained by a scammer and you find that the money in your bank card is being transferred or used for shopping? Yesterday, Chen Naifei introduced the following loss recovery process to the public.

Step one: The first thing to do after realizing that you have been defrauded is to immediately call the customer service number of your bank card (you can also lock the bank card by entering the wrong password at the bank ATM machine). death), and then enter the wrong password 3-5 times, the card will be temporarily frozen.

In Xiao Zou's case, the police deliberately entered the wrong password on Xiao Zou's bank card and temporarily locked Xiao Zou's bank card.

Step two: "This is a temporary freezing method that usually lasts until midnight the next day." Chen Naifei said that the police recommend that the victim perform the operation every few hours to ensure that the suspect The card has been frozen. Considering that Xiao Zou could not always stay in front of the ATM machine, the police used the method of calling the bank card customer service number to lock the card.

Step 3: Call the police immediately, because the purchase is in kind. If it has not been sent or is being transferred, the police will intervene and coordinate with JD.com or relevant banks through relevant legal documents, and it will be transferred. Money recovery.