Use big data to prevent communication fraud

Use big data to prevent communication fraud_Data Analyst Exam

Many problems can be solved through big data, such as rampant communication fraud.

Since 2000, with the rapid development of the financial and communications industries, communications fraud has spread rapidly in China. Almost everyone has encountered communications fraud.

The traditional approach is to improve citizens’ awareness of prevention, but this is not a long-term solution to the above problems. For example, faced with various fraud methods such as "guess who I am" and "the leader calls to go to the office", there are many cases of citizens being fooled. In October last year, the police in Nanhai, Foshan City busted a fraud gang that "goes to the office when the leader shouts", involving a total amount of 1.54 million yuan. In March last year, Ms. Zhang, the financial manager of a company in Zhengzhou, was deceived by a phone number changed to the Zhongshan Public Security Bureau. All company and personal funds of 38.66 million were transferred to a "safe account", setting a new record for individuals being deceived by domestic communication fraud. New record.

According to the Ministry of Public Security, there were more than 400,000 communications fraud cases nationwide in 2014, resulting in losses of 10.7 billion yuan. In 2013, more than 300,000 communications fraud cases occurred, and citizens were defrauded of 10 billion yuan.

Victims of communication fraud have nothing to do with their age or knowledge level. Their characteristics of difficulty in solving the case, recovering stolen goods, and preventing them have become the common knowledge of the public security department.

At present, a relatively mature practice in China is that after an individual is harassed by a strange phone call, he or she can label the number as "communication fraud" or "advertising promotion" and upload the information to the cloud. If the same number is tagged by multiple people, those who receive the call again will receive a system alert.

At a time when traditional prevention methods have little effect, China can learn from domestic and foreign experience and use big data to analyze and prevent communications fraud.

In 2013, a comprehensive Internet service provider in China took the lead in organizing an anti-information fraud alliance. Its members include the police, operators, banks, etc., and enjoys hundreds of millions of number library resources, online and offline through *** Combining methods to crack down on spam text messages, harassing phone calls, and communication fraud black industry chains. So far, 18,400 users have been directly dissuaded from transferring a total of 156 million yuan, and defrauded funds of 109 million yuan have been quickly intercepted.

In the UK and Belgium, government departments use big data analysis to combat fraud, saving billions of dollars in losses every year.

Judging from existing experience, preventing fraud through big data methods is effective and is one of the future development directions. So, who will do this? Of course our service providers - operators and banks.

Chen Wei, a deputy to the National People's Congress and an expert in communication fraud prevention and control, believes: "Because communication lines and banking networks have always been poorly supervised, or even left unchecked. Under the 'severe crackdown', communication fraud cases still occur. Increasing year by year.”

Recently, for the first time in China, there was a case in which an operator was held liable for telecommunications fraud involving an elderly person. In this case, although the old man was defrauded of 480,000 yuan, the court ruled that the operator only compensated 10,000 yuan, but experts believe that this case has sample significance.

In other words, if operators and banks still do not pay attention to fulfilling their regulatory responsibilities, they may have to pay for more communications fraud cases in the future. If this is true, this means that a handful of operators and banks will face more than tens of billions of dollars involved each year, as well as countless lawsuits.

Now, how to improve technical means and use the Internet and big data to prevent and supervise communications fraud is an issue that operators and banks must consider. At the same time, citizens should also improve their awareness of prevention and not leave room for communications fraud.

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