Fake online loan scams, "pig killing", "housing for retirement", cancellation of campus loans... Have you heard of these scams?

Counterfeit platforms and hot spots

Constantly new tricks

Various types of online fraud are sweeping the financial technology industry, and consumers are hard-pressed to guard against them.

According to reports from many platforms, the most common fraud currently encountered is mainly fake financial app fraud. Scammers publish fake company app links through text messages and advertisements, and then induce users to download and register, provide personal information, and Inducing users to contact fake customer service on the grounds of incorrect bank card information and defrauding users.

It is worth being vigilant that fraudsters are also constantly innovating their methods. For example, in terms of identity, there have been many recent cases of impersonating government officials such as the Medical Insurance Bureau, the National Health Commission, and the Central Bank; On the Internet, fraudsters will also use hot news on current affairs, such as epidemic prevention and control, Yuanshi investment, credit report repair, etc.

Take the new scam of "epidemic fraud" as an example. Scammers pretend to be platform staff and deceive victims into paying increased interest rates on the grounds that the platform's operations are difficult due to the impact of the epidemic; there are also scammers who pretend to be epidemic prevention Personnel, under the guise of rumors, fabricate the victim's suspicion of "spreading false information about the epidemic" and other crimes. After being denied by the other party, they will claim that the other party's personal information has been leaked, induce the victim to call the police, and transfer the call to the fake The police, who will require the victim to transfer money to a so-called "safe account" to commit fraud on the grounds that the victim's funds are abnormal and the victim is cooperating with the investigation. During this process, if the victim's bank account balance is insufficient, the scammer will also induce him to borrow money and transfer money through the online platform.

Escalation of concealment and harm

Many difficulties to be solved

In view of the constantly updated deception, how to prevent and control beforehand, intercept during the incident, and educate afterward, It has also become a difficult problem to be solved by multiple platforms.

"In general, this type of fraud uses our name to gain the trust of users, and then creates various situations to ask users to provide bank password information or directly ask users to pay various fees." Rong 360's A practitioner also said that many fraudsters use the company's electronic signature to deceive users' trust when sending fraudulent messages. Users only come to the platform after discovering that they have been deceived. At this time, it is difficult to trace these fraudsters.

The relevant person in charge of Xinye Technology mentioned that compared to other scams, fraud is currently more popular, and scammers will use the name of well-known merchants to create fake apps of the same name to defraud, increasing credibility. Talking about the biggest difficulty in anti-fraud, the person said bluntly that some users are indeed too brainwashed and believe in scammers.

It should be noted that currently fraudsters have clearly divided the group of people, among which the elderly have also become their key "hunting" targets.

Interception beforehand, education afterward

Comprehensive containment with multiple measures

The good news is that various financial technology companies are also stepping up their upgrades in response to various fraud methods. "Weapon", comprehensive containment and prevention.

For example, at the level of pre-emptive prevention and control, the relevant person in charge of Meituan said that the risk control model is the outpost of Meituan’s anti-fraud firewall. When the model determines that the user’s operation behavior is abnormal, it will immediately screen whether the user is potentially being targeted. The risk of fraud triggers the intervention of manual anti-fraud customer service to dissuade you. In addition, in the face of the increasingly high incidence of telecom fraud cases, Meituan has established an anti-fraud customer service team with the core of real-time interception during the incident to dissuade them. As of April 2022, Meituan’s anti-fraud customer service has dissuaded more than 45,000 people and recovered direct losses of more than 900 million yuan for consumers.

360 Digits is also known as a technology company. To prevent users from being harmed by telecommunications fraud, it has formulated protective measures such as risk control early warning, manual interception, and subsequent tracking. It has also established full-link data protection for personal information. Management system; Xinye Technology mentioned that it has launched multiple anti-fraud rules on the App and set up an anti-telecom fraud marquee. For high-risk groups, direct interception, manual reminders, and mandatory anti-fraud pop-up reminders are used in the loan confirmation process. and other measures, so far, it has intercepted nearly 41,000 high-risk telecommunications fraud behaviors, involving a total amount of 720 million yuan; directly intercepted and blocked fraud amounting to 300 million yuan; anti-fraud pop-up reminders 310,000 times, involving a total amount of 2.5 billion yuan .

However, Pan Helin, co-director and researcher of the Digital Economy and Financial Innovation Research Center of Zhejiang University International Business School, said that financial anti-fraud requires an information connectivity mechanism, and it is difficult to track transfer trajectories in advance by relying solely on financial platforms. Fraud is discovered, so there needs to be a leading department to find these fraudsters through fund path tracing. In his view, cracking a fraud case requires information from the telecommunications department, financial payment institutions, and joint law enforcement by local police. If there is no leading department to coordinate the relationship between various departments, it will be very difficult. It is difficult to achieve efficient governance.

The industry unanimously believes that anti-fraud governance requires linking ecological forces, especially the issue of personal privacy data leakage, which requires coordinated management by all parties.

As for publicity and education, Samoyed Cloud said that it is conducting comprehensive public opinion monitoring, issuing anti-fraud announcements, and improving user reach; combined with the latest fraud cases, it continues to output some comics and videos that users prefer. and other forms of anti-fraud propaganda content; Rong360 also said that it is strengthening cooperation with the National Anti-Fraud Center and other institutions to educate and protect financial consumers through short videos, new media and other methods, while insisting on implementing anti-fraud in business processes. remind.

For the elderly, the relevant person in charge of Ant Group further stated that it is more necessary to conduct more detailed and targeted anti-fraud education in advance, break down the cases, interpret them in detail, and even explain them in detail. Keywords that can be translated into a certain sentence of a scammer need to be developed through case videos, scenario interpretation and other forms. This year, the "Blue Vest" will also cooperate with anti-fraud centers in various places to carry out targeted publicity on these types of high-risk cases through elderly lecture groups, elderly anti-fraud videos and other forms.