First, the way to report
1. After realizing the fraud, you can immediately call the customer service phone of the bank card and report the bank card account number complaining about fraud;
2. If you know what bank the card number is, you can log in to the online business hall of this bank or enter the card number of the liar on the ATM machine and fill in the password casually. You can freeze the card as long as you make three mistakes, and you can't make any transactions within 24 hours. You can operate it every few hours to ensure that the liar's card has been frozen.
3. If you can confirm that it is a liar or a liar company, you should report the case to the public security organ at the first time. After the public security organ accepts it, it will conduct a preliminary investigation and screening. If it is really suspected of fraud, compulsory measures will be taken against the criminal suspect according to law and his criminal responsibility will be investigated;
4. Citizens can report in writing or orally. If they report orally, after the staff makes a good record, the whistleblower has the obligation to audit, and needs to sign or seal after the audit is correct. Informants who are worried about being retaliated by others may request that their names and reporting behaviors not be made public, and the public security organs will keep them confidential.
Second, the way of prevention
1. Protect personally identifiable information. Don't provide strangers with important information such as ID number, work unit, home address and position. If necessary. Don't store your ID card, photo and number in your mobile phone.
Don't think that it's not a crime not to directly participate in fraud. Selling bank cards and mobile phone cards to provide convenience for others, knowing that others use information networks to commit fraud, is suspected of constituting a crime. If the circumstances are serious, criminal responsibility will be investigated.
3. Be vigilant, don't trust others, don't covet small profits, and never sell, transfer, lease, sublet, lend or buy bank cards and payment accounts (WeChat, Alipay, etc. ) Avoid providing criminals with "tools for committing crimes".
4. Improve the cognitive ability and self-protection ability of financial products and services. Set complex passwords for bank cards, online banking and mobile banking; Don't set the same user name and password as online banking and mobile banking on any other website; Do not disclose or forward the dynamic password to anyone in the form of SMS verification code.
5. Always be vigilant, develop good payment habits, and make the last pass of foreign transfer and remittance. When receiving an acquaintance's transfer request through SMS, WeChat, Weibo, QQ, email, voice, etc. Or ask for important information such as bank cards and online banking passwords, and check them by phone; If you really need to transfer money to the other party, try to choose the payment method for the next day and verify it afterwards. If there is any abnormality, it shall apply for cancellation in time; Consumers with mobile payment habits should choose safer payment products and download and install genuine application software; Avoid storing too much money in the bank card bound with mobile payment software in order to spread and lock risks.
legal ground
Article 266 of the Criminal Law of People's Republic of China (PRC)
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 10 years or life imprisonment, and shall also be fined or confiscated. Where there are other provisions in this Law, such provisions shall prevail.
Article 110 of the Criminal Procedure Law of People's Republic of China (PRC)
Any unit or individual who discovers criminal facts or suspects has the right and obligation to report to the public security organ, the people's procuratorate or the people's court.
Victims have the right to report and accuse criminal facts or criminal suspects who infringe their personal and property rights to public security organs, people's procuratorates or people's courts.
Public security organs, people's procuratorates or people's courts shall accept reports, complaints and reports. If it does not belong to its own jurisdiction, it shall be transferred to the competent authority for handling, and the informant, complainant and informant shall be notified; For those who are not under their jurisdiction and must take emergency measures, they should take emergency measures first and then transfer them to the competent department.
Where a criminal surrenders himself to a public security organ, a people's procuratorate or a people's court, the provisions of the third paragraph shall apply.
Article11of the Criminal Procedure Law of People's Republic of China (PRC).
Reports, complaints and reports can be made in writing or orally. The staff who accept the oral report, complaint or report shall make a written record, which shall be signed or sealed by the informant, complainant and informant after being correctly read out.
The staff who accept the complaint and report shall explain the legal responsibility of false accusation and frame-up to the complainant and informant. However, as long as it is not fabricating facts and evidence, even if the facts of the accusation and report are different, or even false accusation, it should be strictly distinguished from false accusation.
Public security organs, people's procuratorates or people's courts shall ensure the safety of informants, complainants, informants and their close relatives. Informants, complainants and informants who are unwilling to disclose their names and report, accuse and report their acts shall keep them confidential.