When financial technology is anti-fraud! What kind of fraud is the highest? You will understand after reading it.

Fake online loan fraud, "killing pigs", "supporting the elderly with houses" and canceling campus loans ... Have you heard of these fraud methods?

Fraudulent platforms and hotspots

The pattern is constantly being refurbished.

All kinds of online fraud are sweeping the financial technology industry, and consumers can't prevent it.

According to many platforms, the high-incidence fraud currently encountered is mainly counterfeit financial App fraud. Fraudsters post false company App links through SMS and advertisements, and then induce users to download and register to provide personal information, and induce users to contact false customer service on the grounds that bank card information is incorrect.

It is worth noting that the means of fraudsters are also constantly being refurbished. For example, in terms of identity, there have been many cases of impersonating government workers such as medical insurance bureau, health and health commission and central bank recently; On the other hand, fraudsters will also get hot news of current events, such as epidemic prevention and control, meta-cosmic investment, credit recovery and so on.

Take "fraud by epidemic situation" as an example. Liars pretend to be platform staff, defrauding victims to pay rising interest rates on the grounds that the victims are affected by the epidemic and the platform is difficult to operate. In addition, fraudsters pretend to be epidemic prevention personnel, and in the name of epidemic adjustment, weaving victims is suspected of "spreading false information about the epidemic". 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 police. The fake police will ask for the transfer to the so-called "safe account" for fraud on the grounds that the victim's funds are abnormal and cooperate with the investigation. In this process, if the balance of the victim's bank account is insufficient, the liar will also induce him to borrow and transfer money through the online platform.

Hidden and dangerous escalation

Many difficulties remain to be solved.

How to prevent and control fraud in advance, intercept it in the process and educate it afterwards has also become an urgent problem for many platforms.

"Generally speaking, this kind of fraud is to gain the trust of users in our name, and then create various situations for users to provide bank password information or directly let users pay various fees." An employee of Rong 360 also said that many fraudsters used the company's electronic signature to defraud users when sending fraudulent information. Users only find the platform after being cheated, and it has been difficult to trace these fraudsters.

The relevant person in charge of Xinyi Technology mentioned that compared with other frauds, swipe fraud is more popular at present, and scammers will make fake apps with the same name in the name of well-known businesses to defraud and increase credibility; Talking about the biggest difficulty in anti-fraud, the person bluntly said that there are indeed users who have been brainwashed too deeply and are convinced of scammers.

It should be noted that at present, fraudsters have been clearly grouped, and the elderly have also become their key "hunting" targets.

Interception beforehand, education afterwards

Multi-measures comprehensive containment

Fortunately, various financial technology companies are also stepping up the upgrading of "weapons" to comprehensively curb and prevent fraud.

For example, at the level of prevention and control beforehand, the relevant person in charge of the US Mission introduced that the risk control model is the outpost of the US Mission's anti-fraud firewall. When the model judges that the user's operation behavior is abnormal, it will immediately identify whether the user has the potential risk of being cheated, thus triggering the intervention of manual anti-fraud customer service. In addition, in the face of the increasingly high incidence of telecom fraud cases, Meituan set up an anti-fraud customer service team with real-time interception as the core to discourage it. As of April 2022, Meituan's anti-fraud customer service has discouraged more than 45,000 people and recovered direct losses of more than 900 million yuan for consumers.

360 subjects, also known as technology enterprises, have formulated protection measures such as risk control and early warning, manual interception, and after-the-fact tracking to prevent users from being infringed by telecom fraud, and also established a full-link data management system for personal information protection; Xinyi Technology mentioned that a number of anti-fraud rules were introduced on the App, and an anti-telecom fraud ticker was set up. For high-risk groups, measures such as direct interception, manual reminder and compulsory anti-fraud pop-up reminder were taken in the process of confirming loans. Up to now, the high-risk behavior of telecom fraud has been intercepted nearly 4 100 times, involving 720 million yuan; Directly intercept and block the fraud amount of 300 million yuan; Anti-fraud pop-up reminder 3 1 1,000 times, involving an amount of 2.5 billion yuan.

However, Pan Helin, co-director and researcher of the Digital Economy and Financial Innovation Research Center of the International Joint Business School of Zhejiang University, said that financial anti-fraud needs an information communication mechanism, and it is difficult to find fraud in advance by simply relying on the financial platform to track the transfer trajectory. Therefore, it is necessary to have a lead department to find these fraudsters through capital path tracking. In his view, to crack a fraud case, it needs information from the telecommunications sector and financial payment institutions, as well as joint law enforcement by the local police. Without a leading department to coordinate the relationship between departments, it is difficult to achieve efficient governance.

The industry agrees that anti-fraud governance needs to coordinate ecological forces, especially for the disclosure of personal privacy data, which requires the cooperation of all parties.

At the level of publicity and education, Samoyed Cloud said that a comprehensive public opinion monitoring is being carried out, and anti-fraud announcements are issued to enhance user access; Combined with the latest fraud cases, continue to output some anti-fraud propaganda content in the form of comics, videos and so on that users prefer; Rong 360 also said that it is strengthening cooperation with the national anti-fraud center and other institutions, educating and protecting financial consumers through short videos and new media, and insisting on implementing anti-fraud reminders in business processes.

For the elderly group, the relevant person in charge of Ant Group further stated that it is necessary to do more detailed and targeted anti-fraud education in advance, solve the case and even refine the key words of a liar's sentence, which needs to be carried out in various forms such as case video and scenario interpretation. This year, "Blue Vest" will also cooperate with local anti-fraud centers to publicize these high-incidence cases in a targeted manner through various forms such as elderly tour groups and elderly anti-fraud videos.