What happened when I suddenly received a verification code for applying for registration of electronic banking through pocket banking?

In general, if it is not the user's own operation, it may be that the user's identity information has been leaked, others are using the user's identity information to register electronic channels, or other users have filled in the wrong mobile phone number when handling related business, resulting in an error in sending the verification code information. Because of the first possibility, in order to ensure the safety of users' account funds, it is suggested that users report the loss as soon as possible after receiving such information, or bring their valid identity documents and bank cards to the bank counter to check the account opening situation to prevent others from using them fraudulently.

1. How did the criminal steal?

1. Use pseudo base stations, short message sniffers and other electronic devices to collect mobile phone numbers in surrounding areas and receive short messages. After the device is started, the mobile phones under the nearby 2G signal will be "adsorbed" to these electronic devices in turn. At the same time, it will receive short messages and static 2G signals received when the mobile phone is turned on within 100 meters to obtain the number information of the victim.

2. After obtaining the name information of the mobile phone, criminals can use the loopholes of some websites and apps to obtain the name, ID number, bank card number and other information of the mobile phone owner through "hacking". (Tips: It seems that the website /app can't be uploaded/downloaded at will)

3. After the verification code in the victim's mobile phone is monitored in real time, criminals will use the victim's bank card to buy phone bills and oil cards on the e-commerce platform and hand them over to the "sales" group responsible for collecting money for money laundering and cash withdrawal.

3. The solution to the sudden increase in bank card money

Check the details of income and expenditure, find out the source of income, find out which account the money was transferred from, and then identify it. If it is the account number of family members or relatives, or legitimate income such as company salary and investment income, don't pay attention to it.

If it is not legitimate income, you can go to the bank counter to ask for information.

Unjust enrichment refers to gains that have no legal basis, or lose legal basis afterwards, and are identified as losses to others. For example, when you sell it, you pay more for it, and get the lost property back for yourself. Those who gain benefits are called beneficiaries, and those who suffer losses are called victims. The acquisition of unjust enrichment is not due to the illegal behavior of the beneficiary to the victim, but to the fault, misunderstanding or fault of the victim or the third party. So there is a debt relationship between the beneficiary and the victim. The beneficiary is the debtor and the victim is the creditor. The legal phenomenon of obtaining improper benefits and causing losses to others without legal basis. Unjust enrichment is an event, because unjust enrichment is essentially a kind of interest, which has nothing to do with the will of the parties.