Behind the frequent occurrence of sacrifice plate and part-time fraud, online fraud in 2020 has these new features

Original Title: Behind the Frequent Occurrence of Part-Time and Sacrificial Plate Fraud, 2020 Online Fraud Has These New Features

“Why is there a significant increase in cheating women in pig slaughter in 2020?” On December 22, Tencent’s security operations expert Xiao Yu raised a question. According to Tencent statistics, last year, the ratio of male and female fraud whistleblowers was almost half and half. This year, reports of male whistleblower fraud accounted for 31% of men and 69% of women.

Killing pigs refers to a form of telecommunications fraud in which scammers use the Internet to make friends and induce victims to invest in gambling. Recently, online dating of women with strange men has received news that they have fallen for the murder scam, and some of them have been defrauded up to tens of millions.The reason for the increase in deceived users is the black and gray products that there behind.teamIn order to make female users “easy to pay for love”, they find their goals more precisely through dating platforms and dating software.PositioningThe victim, the chain of manipulation is intertwined and the structure is complete.

Compared to previous years, online scams increased in 2020. They started hiring regular user accounts to participate in scams and updated new black and white crime tools. They also colluded across multiple platforms, making prevention difficult for users.

“Hitokin“Routine

Affected by the epidemic this year, there has been a sudden increase in the demand for extra money in the market, and there have been many “sliding orders” on the Internet that “stay at home and make money every day”.halftime“Recruitment. However, these are the routines of scammers. Simply put, it is allowing the victim to advance the funds for the warrant, but not return the funds to implement the fraud.

Zhang Meili, a financial control engineer, cited a typical case of order fraud. The routine is divided into 4 steps. In the first step, the scammer asks victim A to place a small order for 100 yuan, and then returns 105 yuan to gain A’s trust. The second step is to issue a second order for 1,000 yuan to A, and ApaymentAfter that, return 100 yuan.commission, Once again obtained the trust of A, and claimed that the system card order, the main 1,000 yuan will be returned later. The third step is to keep inviting Little A to place larger orders, and to inform that the order is limited and will not wait until it expires. On the one hand, Little A wants to speed up the recovery of the previous principal, on the other hand, it also wants to earn higher commissions. Keep getting into the trap. In the last step, the scammer will use the refund record as a reason to ask Xiao A to provide his real ID card, mobile phone number,BankCard number, payment address, etc., this user information will be sold to the black market by scammers, it will continue to circulate and will expose the little A to new fraud gangs.

In 2020, part-time job scams, entry deposits and fake orders are particularly prominent. College students, mothers, and unemployed people with relatively weak awareness of prevention are the main targets of fraud.

Furthermore, epidemic scams are also a typical type of scam with a high incidence this year. During the epidemic, masks have become a necessity. Some people accumulate masks and collect payment, but do not send them; some falsely claim to issue epidemic prevention subsidies and send false red envelope links to implement fraud.

Refund fraud is the fastest growing type of fraud in 2020. These types of scams are mainly cash refunds and purchase refunds. Most of the victims were born in the 2000s and 90s, who like to follow stars and shop online.Main forcegroup.This type of scams added this year and investmentDividends, Master-servant agreement, flow of play, word games, epidemic love, etc., to achieve the purpose of fraud by capturing the psychology of young victims.

Portrait of the deceived

According to TencentBig dataIn 2020, victims who filed a complaint after being cheated are generally younger, mainly between 20 and 29 years old. Xiaoyu explained to a reporter from the Economic Observation Network that the post-90s are active on various platforms and willing to try all sorts of new things, but their knowledge of security precautions is relatively weak. Among them, there are three types of transaction, refund and friend fraud. The age group is the most prominent.

“They like online shopping (shopping, second-hand transactions) and, at the same time,The InternetThe development of young people has also gradually reduced the real friendship circle of young people, who are willing to try to make friends online, their minds are more simple and easy to be fooled by Xiaoli. These are the reasons to be deceived. “

Internet users over 40 are vulnerable to fraudCreditThere are three types of scams, namely, low cost scams, counterfeits and incentives. They have a certain amount of savings to invest, they are weak at identifying and preventing counterfeiting, and sometimes greed for negligible profits are the main reasons for being cheated.

The largest amount of damage is still the sacrifice plate, and the victims are mainly women. Now, scammers still use technology to do an accurate analysis of victims, even if users have no money, they will be induced to goborrowLoans for lending platforms eventually constitute fraud.

New features of deception

Compared to previous years, online fraud in 2020 has more new features.

In previous years, the scammers were mostly machine scams, which were easy to spot. This year, they passed the “Half-timeCrowdsourcing“The way, from the start, to induce ordinary users to spread drain information, or to induce users to provide a collection code, and set the amount to the user through the amount of group access and friends. Common users think that it is a normal part-time job, in fact, it has become an accomplice of the underworld.

This year, the linkage between black industries is more and more frequent. Take for example Shayupan (a case of telecommunications fraud targeting unspecified groups of people). In addition to the fisherman responsible for the fraud, it also involves fake links and app developers, providing fake money laundering.QR codeProducers, secondary fraudsters, and multi-platform account operators, multi-platform promotion, and multi-platform related staff collusion make it harder for users to prevent.

“In past cyber fraud cases, criminals often commit crimes in groups, meet and work in a division of labor. However, in recent years, the division of labor between upstream and downstream offenders has become increasingly sophisticated and professional. The total black of drainage, fraud and money launderingindustryChain in this blackIndustrial chainIn the article, criminals do not know each other, and the use of the Internet to provide services in the division of labor and cooperation has made the threshold for crimes lower and lower. “Tencent Guardian Program security team expert Haiwen said.

In addition, the criminal tools of the fraudulent gangs are also being updated. They keep changing virtual IP positioning, making it difficult to recognize.coinMoney laundering and also use of voice callsrobot, Drainage of part-time labor fraud, according to the user’s response, also automatically responds to the set words.

How is itGovernance repression

“Anti-fraud governance shouldn’t just hit the nail on the head, hit the bad people and hydrate things quietly, so that ordinary users don’t get a positive perception or perception.” WeChat Security Compliance Department security expert Wen Qi shared his experience and said that fraud can be considered as one. There are projects with clear objectives and they have their own KPIs at different stages. Therefore, in the field of the fight against fraud, we cannot target a single point, but we must manage before, during and after the event.

WeChat Pay launched earlier this yearjobsA special governance project has been established. After a year of hard work, the anti-fraud effect of WeChat Pay has been significant and the number of fraudulent complaints will be significantly reduced throughout 2020.

From January to October 2020, Tencent helped public security organs launch various cybercrime operations, including telecommunications cyber fraud, cyber gambling, obscenity, illegal trading, cyber navy, illegal production and the sale of add-ons, cloud production and production. The sale of counterfeit and inferior drugs, the illegal sale of wild things, etc., helped public security organs in various places to solve up to 16,110 cases (including resolution), arrest more than 7,600 crime suspects and the amount total involved in more than 34.5 billion yuan.

But a noteworthy phenomenon is that online fraud is moving cross-platform. Take the slaughter plate fraud as an example. Criminals first falsify their identity on the dating platform to find the target of the crime, then they guide the victim to the social platform, and then they guide them to the game platform or the application to reload, and finally they adopt a variety of methods to pass online banking, third party payment and stolen money transfer. The entire fraud implementation process occurs in different scenarios and platforms, whether for the platform or the police, only parts of the entire chain can be seen in their respective fields, which brings greater challenges for the identification and combat of the control of online risks.

“The fight against fraud in telecommunications networks is a systematic project. It is not a one-sided affair of law enforcement or regulatory agencies, or of a certain industry or company.companyWhat can be faced and solved on its own requires the participation of the whole of society and the functioning of social organizations. Haiwen appeals to law enforcement agencies, telecommunications networksSupervisorAgencies, financial regulatory agencies, operators,Internet companies, Financial institutions are actively involved in fraudCo-governanceIn this way, a joint force is formed to build a governance model of multiple co-governance.

(Source: Economic Observer Network)

(Responsible editor: DF524)