What are the fraud routines?

What are the fraud routines? With the development of society and the continuous advancement of information technology, some telecom network fraud gangs are also ready to ambush, among which text message fraud is also relatively common. kind of. The following details the fraud schemes. What are the fraud routines 1

1. Loan routines

Fraud through low interest, payment, Trojan horse program, fake website, etc.

High imitation online loan platform ? Be careful!

Criminals develop high-imitation websites or applications, and then spread the net widely through text messages, web advertisements, etc. to attract people. Once a victim downloads and registers, criminals will embed malicious links in sensitive and key details in advance to steal important information including bank card numbers, passwords, etc. For services involving money, please look for official websites and platforms.

All you need is an ID card, low interest, and payment in advance? It’s definitely a scam!

All you need is an ID card/no mortgage/no guarantee/low interest/high loan amount, and criminals will pass These gimmicks lure victims into taking the bait. Once the victim applies for a loan, the criminals will trick and threaten the victim to transfer money on the pretext of collecting insurance premiums, deposits, exposing identity information, etc. However, normal loans, banks or regular online lenders need to review credit reports, income certificates, etc., and no fees will be collected before the loan is issued. After approval, only an appropriate amount of handling fees and management fees will be issued.

Spending money to eliminate credit stains is a lie!

Since many borrowers are rejected for loan applications due to taint on their personal credit, scammers have also started this kind of business: claiming to have acquaintances in the bank, or spending money to eliminate the taint on their credit report. Once you If you fall for it, a large amount of benefits will go into the pockets of the scammers, but your personal credit report will not look any better because of it. Because the personal credit report is managed by the Credit Report Center of the People's Bank of China. Once there is a stain, it can only be eliminated after paying off the debt and maintaining a good record for 5 years. No one, not even bank employees, has the right to modify it.

Trojan program steals bank card information

This scam is relatively hidden. Scammers usually set up a trap first and send pre-programmed loan information in the form of text messages, QQ messages, WeChat, etc. After the borrower takes the bait, the scammer sends a "Trojan horse" program installation package. After the borrower submits important information such as his bank card number and password as required, all the balance in the bank card will be transferred.

Do not trust any information sent by private or informal lending institutions, and do not enter important information such as your ID card number, bank card number, and password on untrusted websites.

2. Impersonation routines

Committing fraud by pretending to be the victim’s leader, relatives and friends, or pretending to be a government agency, business unit, etc.

Pretend to be official

Pretend to be official customer service, and ask for the bank card account number from the person on the grounds of "compensation and refund", "air ticket change", "bank card anomaly", "express claim", etc. and identity information, and extracted the bank verification code, and then stole the money in the card.

Wait for excuses to attract the attention of the victim, and then ask the victim to cooperate with the investigation to prove his innocence on the grounds that the victim's personal information has been leaked, the bank account is suspected of money laundering, drug crimes, or needs investigation, and transfer the deposit to the "safety account" provided by the other party;

Or require the victim to collect all funds to a certain bank card of his or her own, and then transfer the funds from the bank card away by defrauding the victim of the password, verification code, online banking and other information of the bank card.

Impersonating relatives and friends

Using instant text and video chat tools such as online communication "QQ" to steal the victim's personal information and video clips in advance by implanting Trojans or viruses, and then impersonating the victim himself Borrow money from online friends. Or they can directly modify notes, avatars, etc. through social software, pretend to be school teachers, friends, etc., and defraud on the grounds of "charging" or "borrowing money", or claim to be in an emergency and ask friends to help transfer money.

3. Recruitment routines

E-commerce swiping orders and sending photos? It’s all a routine!

Criminals lure students to apply for jobs with the slogan "You can make money by just typing the keyboard". The first few orders are paid according to the agreement to gain trust, so that the victims continue to increase investment, and finally they say "the task is not completed" They refused to refund the money under various excuses such as "card bill" and continued to trick the victims into continuing to swipe orders. Recently, a new type of order-sending has emerged. Criminals contact each other through social platforms

Claiming that the conditions of the subject are suitable for sending models for photo shoots, then downloading the APP, or registering on the website, submitting a deposit or registering as a member, and then you can start receiving and sending photos, but in fact the scammers collect money Then disappear. Shenhu Sijian reminds that it is illegal to falsify orders online, and any request to falsify orders, send auctions, etc. to advance deposits is a fraud.

MLM scam

This type of recruitment often attracts job seekers with the gimmick of making a lot of money easily and getting hired directly without an interview, and requires you to pay a certain "entry fee" , or spend money to purchase a certain number of products, assign various "promotion tasks" through lectures, brainwashing, intimidation, etc., and then deceive other people into "joining the membership." Job seekers will not only suffer property losses, but their personal safety will not be guaranteed. Once they are deceived into an MLM organization, it will be difficult to escape. From then on, they will embark on the road of MLM sales, which will affect their life prospects.

Black agency scam

In the name of introducing jobs, these illegal agencies often seize the job seeker’s ID card and require payment of registration fees, service fees, membership fees and other fees. As a result, good jobs are often not found, documents and fees paid are not refunded, and many intermediaries are even sold out. Job seekers suffer multiple blows.

Meeting payment and training payment scams

Criminals trick job seekers into paying clothing fees, physical examination fees, etc. after the interview, or under the guise of training first and then going to work. After collecting money and promising to receive money, you can arrange work, but in the end, the scammer either makes excuses not to arrange work, or the person leaves the building empty.

Overseas recruitment scams

This type of recruitment induces job seekers to leave the country with information such as "high salary", "air tickets, food and accommodation included", and go to Myanmar, Cambodia, Philippines, Laos, Malaysia, etc. nation. However, many citizens are forced to engage in illegal and criminal activities such as telecommunications network fraud, online gambling, and prostitution after leaving the country. If they do not cooperate or fail to complete the assigned "performance", they will be tortured or even die abroad. What are the fraud routines 2

Internet fraud safety knowledge:

Internet fraud definition: Fraudulent means of defrauding others of their property in various forms on the Internet.

Internet fraud techniques: "Fake friend" fraud: After scammers steal QQ accounts and email accounts through various methods, they publish information to the user's friends and contacts, claiming to be in an emergency and asking the other party to remit money to a designated address. account.

"Phishing" fraud: "Phishing" is currently the most common and relatively covert form of online fraud. The so-called "phishing" refers to criminals stealing users' bank account numbers, securities account numbers, password information and other personal information by using "account stealing Trojans", "network monitoring" and forged fake websites or web pages. Then make profits by transferring stolen money, shopping online or making fake cards. It can be mainly divided into the following two methods.

The first is to send emails to lure users into a trap with false information.

Scammers send a large number of fraudulent emails in the form of spam. These emails often lure users to fill in their financial account passwords with content such as winning prizes and account reconciliations, or require recipients to log in to a webpage for various pressing reasons to submit. User names, passwords, ID numbers, credit card numbers and other information are then used to steal user funds.

The second is to establish fake online banking and online securities websites to defraud user account passwords and commit theft. Criminals set up websites with domain names and webpage content that are very similar to real online banking systems and online securities trading platforms to induce accounts to enter password account and other information, and then use real online banking, online securities systems or forged bank storage cards, Securities trading card theft of funds.

There are also exploiting vulnerabilities in legitimate website server programs to insert malicious code into certain web pages of the site, blocking some important information that can be used to identify the authenticity of web pages, and also stealing user information.

Telecommunications fraud: Suspects generally pretend to be staff members of credit card bureaus and other companies, falsely claiming that the victim’s phone is in arrears, and then turn to impersonating “public security officers” to commit fraud by falsely claiming that the victim’s identity information has been used.

Online lottery fraud: The suspect falsely claimed that the victim had won a prize online, and that the victim had to pay the handling fee and shipping fee to receive the prize in advance.

The main methods of online shopping fraud:

1. Lie that the goods are confiscated by customs and require netizens to pay a certain deposit, deposit, and deposit;

2. Falsely claiming that the Alipay system is under maintenance and requiring netizens to remit money directly to in the designated bank account;

4. Falsely claiming that the shopping website system is faulty and requiring netizens to pay again;

5. Falsely claiming that the online store is conducting promotions and lottery activities, and a certain amount of payment is required. handling fees, etc.;

6. When netizens purchased airline tickets online, the suspect falsely claimed that the identity information provided by the netizen was incorrect and asked the netizen to pay the ticket again;

7. Lies Claiming that qualification verification is required and requiring netizens to pay a qualification verification fee;

8. Lie that there is no stock in the store, but a friend’s store has stock, so he recommends a similar website.

9. Other methods: attracting members, defrauding registration fees, etc. What are the fraud routines 3

1. What are the main forms of fraud

1. The main forms of fraud mainly include:

(1) To encounter some kind of harm People need help to defraud;

(2) Committing fraud in a special identity;

(3) Committing fraud in the name of an intermediary;

(4) Taking advantage Fraud through acquaintance relationships;

(5) And fraud through small benefits to win people’s trust.

2. Legal basis:

Article 266 of the "Criminal Law of the People's Republic of China", whoever defrauds public or private property, if the amount is relatively large, shall be sentenced to three years The following fixed-term imprisonment, criminal detention or surveillance, and concurrently or solely with a fine; if the amount is huge or there are other serious circumstances, the sentence shall be not less than three years but not more than 10 years of fixed-term imprisonment, and a fine; if the amount is particularly huge or there are other particularly serious circumstances, the sentence shall be shall be sentenced to fixed-term imprisonment of not less than ten years or life imprisonment, and shall also be fined or have property confiscated. If this law provides otherwise, the provisions shall prevail.

Article 1 of the "Interpretations of the Supreme People's Court and the Supreme People's Procuratorate on Several Issues Concerning the Specific Application of Laws in Handling Criminal Cases of Fraud", defrauding public and private property worth 3,000 yuan to 10,000 yuan If the amount exceeds 30,000 yuan to 100,000 yuan, or exceeds 500,000 yuan, it shall be deemed as "relatively large amount", "huge amount" or "especially huge amount" as stipulated in Article 266 of the Criminal Law respectively.

2. What constitutes the crime of fraud

1. The act of defrauding a relatively large amount of public or private property by fabricating facts or concealing the truth for the purpose of illegal possession. The object of this crime is the ownership of public and private property.

2. This crime objectively manifests itself as using fraudulent methods (fabricating facts or concealing the truth) to defraud large amounts of public or private property.

3. How to deal with online loan fraud

1. Victims can collect evidence related to online loan fraud, such as website screenshots, transfer records, chat records, etc.

2. The victim can report the case to the public security organ and submit the collected evidence materials, so that the public security organ can intervene in the investigation and hold the fraudster criminally responsible.

3. If the loss is not fully refunded, the victim can file a civil lawsuit in court and claim compensation from the fraudsters

The main forms of fraud mainly include, in order to meet certain needs of the victim. Help to defraud; use a special identity to defraud; use the name of an intermediary to defraud; use acquaintance relationships to defraud; and gain people's trust through small benefits to defraud.