Bank card fraud

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1, credit card fraud

Deceive personal data and apply for credit card cashing 4 10000.

In a short period of 9 months, the bank handled a credit card under the guise of others, and the overdraft amount reached 4 1 1,000 yuan. Shanghai Luwan Court recently made a first-instance judgment on this case.

The suspect Shen was previously sentenced by a district court for committing credit card fraud. Less than 1 year after his release from prison, he still doesn't think about repentance. But pretending to be someone else to make credit card overdraft consumption.

First of all, Shen gathered Shimou and others to impersonate Shanghai Land Group Co., Ltd. and Shanghai Green Valley Group Co., Ltd., published false recruitment advertisements in a talent newspaper in Shanghai, forged the seal of the company's human resources department, and defrauded many candidates of their money. They used some materials to make fake ID cards and applied for 39 bank credit cards in major banks as fake candidates.

2. Illegal card-issuing institutions defraud high handling fees.

Scene:

Recently, Mr. Li, a self-employed person, saw an advertisement for credit card agency issued by a company in Beijing in the newspaper, saying that he could get a credit card with an overdraft of 50,000 yuan for only 3,600 yuan. Due to the poor circulation of funds, Mr. Li immediately signed an entrustment agreement with the company and paid the relevant fees. Who knows, when Mr. Li came to pick up the card, the company staff evaded it for various reasons and delayed the time. Mr. Li realized that he might have been fooled. After calling the police, the police arrested the criminal gang.

Experts reveal: illegal intermediary companies cheat in the following two ways in the name of helping to handle high-value credit cards:

First, there is no credit card agent qualification, and criminals abscond with money after defrauding customers of high handling fees;

The second is to intercept the applicant's personal data and credit card. Criminals illegally use the applicant's identity information to defraud the bank and use it fraudulently.

3. Merchant fraud

Fuzhou illegal intermediary repays cash on behalf of customers.

At present, there is an illegal financial intermediary company in Fuzhou, which collects credit card 1 10,000 yuan or even110,000 yuan or more in cash for customers who come to the door by using POS credit card swiping machine, so as to collect high handling fees and make illegal profits.

The method is that the intermediary company first deposits the funds into the cardholder's credit card account, repays the due repayment amount for the cardholder, and then allows the cardholder to use this amount to swipe the card on his company's POS machine for false transactions, and charges 3% of the advance payment as a cash handling fee. (Credit Card Window 2005-11-19)

Comments: This practice of intermediary disturbs the normal financial order and brings bad debt risk to the issuing bank. At present, although China UnionPay and its member institutions are actively taking various measures to detect and strengthen the audit and standardization of merchants' access to the network, they will eliminate the root causes of merchants' cashing from the perspective of pre-prevention. (China UnionPay Risk Management Department)

4. Online fraud

Release date: April 25, 2006 at 5: 34: 00.

Internet fraud has come up with a new method to prevent "QQ" from stealing card numbers and passwords.

Recently, a bank found that www.59 1qb.com/qq website, without the permission of the bank and Tencent, asked customers to input the card number and password of "qq card" on the grounds that the bank card "QQ card" was recharged to QQ number, so as to obtain the card number and password of the customer's bank card and further steal the customer's funds. In this regard, we solemnly declare that our bank card number and password are only used on the bank website, and cardholders are not allowed to enter the bank card number and password on any other website, so as to prevent account information from being leaked and endanger the safety of bank card funds. At the same time, the bank said that it will actively cooperate with the public security organs to investigate and deal with the bad behavior of stealing customer information in the name of the bank. (Bank website 2005-11-14)

5. Internet fraud

Release date: April 26th, 2007 1 1: 22: 00.

Beware of "phishing"

Phishing is a means of online fraud. Liars send fraudulent emails by forging legitimate websites (such as banks and online shopping websites). ) or impersonate a legitimate unit (such as a bank, etc.). ) defrauding the personal financial data of network users, such as card numbers and passwords, and then stealing the bank card deposits of users.

5. Make sure your computer is safe. Install firewall and antivirus software, update antivirus software regularly, and upgrade operating system security patches frequently to prevent computers from being attacked by malicious attacks or viruses.

6. Check bills, credit cards and bank statements in time. If you find anything unusual, please call the customer service hotline of the issuing bank immediately.

Beware of the "gentle" invasion of "Trojan virus"

Scene:

Mr. Li is an old netizen. He is used to managing money and downloading things he is interested in through online search. One day, he inquired about his bank securities account on the Internet, but unexpectedly found that the account deposit had been made in Shui Piao. Mr. Li quickly called customer service to confirm that the money in the card had been transferred. On the same day, Mr. Li reported to the police. After receiving the report, the police quickly set up a task force to investigate the case and quickly arrested the criminals through clues.

Experts reveal:

Criminals publish emails, pictures, software, games, etc. Trojan virus on the internet. When an unknown network user clicks to open an email or download a file, Trojan virus will invade the computer without security measures, steal the user's bank account number, password and authentication information, and steal the user's bank account deposit.

Beware of counterfeit mail to obtain bank customer information

Scene: Recently, a bank posted a notice in online banking to remind cardholders to take precautions against criminals using fake mail for fraud:

"Recently, criminals used the email name of" * * Electronic Payment Company "to send messages to customers, asking them to open inter-bank payment services. The bank website linked in the email is a false login page of our personal bank, which tricks customers into entering bank card information, thus stealing customer account funds. "

Experts revealed:

Confirmed with "* * Electronic Payment Company", the company has not launched this "free" cross-bank online payment business verification activation service, and the email activation link page is not the online banking login page of the Bank, but a fake one.

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First, SMS fraud

Delete fraudulent short messages.

Scene:

At noon on March 5th, 12, a short message was sent to Miss Wang's mobile phone, "* * Bank notice: your customer overdrawn 9300 yuan in * * shopping mall on March 4th, please pay at the bank outlet within 2 days, and it will be deducted from your other account after the deadline, and the telephone number is 0757-8299**66". Miss Wang became suspicious and dialed according to the telephone number provided on the information. A lady who answered the phone claimed that Miss Wang's bank card had been stolen, and asked her to call the "banking supervision department" to apply for upgrading the card to prevent it from being stolen.

Anxious Miss Wang quickly dialed the telephone number of the "Banking Supervision Department" and went to the ATM to "upgrade" according to the instructions of the other party. When the other party was prompted to press the "transfer" button, Miss Wang's heart plopped. In a moment's hesitation, she saw the bank notice next to the ATM-"For the safety of your funds, please don't trust the phone of strangers and make money transfer at the ATM". According to the notice, Miss Wang contacted the bank counter directly and stopped a fraud in time.

Experts reveal:

Liars usually send short messages or make phone calls to cardholders in the name of pretending to be banks or UnionPay, pretending that the cardholder's bank card has been spent somewhere, or the information of the card is leaked, to trick the cardholder into dialing the phone number specified in the false short message, and then to trick the cardholder into transferring money at the ATM by phone and transferring the deposit to the liar's account.

At present, this kind of fraud has new tricks. For example, false short messages that focus on "shopping mall consumption" may become false short messages such as "winning prizes", "tax refund" and "water and electricity fee refund". Tricking cardholders into "upgrading their cards" at ATM may also become tricking cardholders into setting up "networked alarm systems" at online banking. But the ultimate goal of the swindler is to trick the cardholder into transferring the deposit to the swindler's account.

7. ATM fraud cases

Release date: April 26th, 2007 at 9: 22: 00.

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I. ATM fraud

Beware of the trick of "enthusiasts" changing packages through ATM machines

Scene:

One day, Mr. Qin withdrew money from the ATM. He had just finished the operation and was about to press the card back button when he was suddenly slapped on the back. Looking back, a man muttered, "Hurry up if you want to withdraw money. I need money urgently." Mr. Qin is wondering why this man is so fierce. Looking back, he found that a bank card had been exposed at the ATM card slot. Mr Qin took the card and left. But before he took two steps, he found that the man who "urged" to withdraw money did not withdraw money, but disappeared at the corner of the road. Mr. Qin felt that something was wrong, and subconsciously returned to the ATM to check the balance, only to find that the card was replaced. Mr. Qin suddenly realized that the card had been replaced! He immediately stopped to chase and called the police. With the help of the police, the criminal and two other accomplices surrendered without a fight.

Experts reveal: criminals usually choose self-service banks to commit crimes. When inquiring about ATM or withdrawing money, the cardholder first peeks at the password, and then taps his shoulder to divert the cardholder's attention, reminding the cardholder that there is cash on the ground or pretending to ask, and taking the opportunity to insert the card prepared in advance into the ATM slot, resulting in the illusion that the cardholder's bank card has been withdrawn. After the unidentified victim returned the card, the criminals took the card from the ATM and stole the bank card funds.

Avoid the "access control trap" of self-service banks

Scene:

One night, Mr. Wu came to a self-service bank to withdraw money, and when he swiped his card into the access control system (glass door), the door didn't respond. In doubt, Mr. Wu found a password keyboard on the entrance guard. "You don't need to enter a password when entering the entrance guard. Has the access control system been upgraded? " Mr. Wu carefully looked at the access control card reader and found that the card reading trajectory was different from that in peacetime, and there was a small device that looked like a probe below. Mr. Wu immediately became alert and stopped the operation.

Experts reveal:

At present, criminals mainly steal bank card information through the following three ways of access control fraud, and then steal the deposits in the card:

1. False access control and bootlegging. The card reading track and the password key are assembled into a fake entrance guard, which is usually installed on the real entrance guard of the self-service bank at night. When the cardholder swipes the card on the fake entrance guard and enters the password, the device steals and stores the magnetic stripe information and password information of the bank card;

Second, using real access control to illegally record card information. Loading illegal recording equipment in real access control, and illegally recording bank card information when the cardholder swipes the card; At the same time, the password is stolen by peeping at the cardholder's transaction, installing a pinhole camera at ATM, and covering the ATM password keyboard with transparent film or fake keyboard.

Third, sneak shots of card numbers and passwords. Stick a pinhole camera on the real access control system to peek at the cardholder's bank card number and password.

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Guangzhou police cracked a large passbook transfer fraud case, involving as much as 3 million yuan.

In June, 2004, 1 1, Guangzhou Haizhu District Public Security Bureau successfully cracked a huge case of swindling 3 million yuan.

The modus operandi of this kind of cases is: targeting individual owners, using contact business as bait, inquiring about the victim's ID card through the Internet, or inquiring about the victim's identity information, then forging the victim's ID card and opening a bankbook account with a fake ID card in the bank. Later, in the name of capital verification, the victim was tricked into opening a passbook account and waiting for an opportunity to exchange the passbook. After the victim deposited the money in the changed passbook, he stole the money with the bank card associated with this passbook through ATM or counter transactions.

Suggestions for preventing such situations:

1. Strictly open an account in real-name registration system. It is recommended that all bank counters be equipped with ID card anti-counterfeiting detectors. When opening an account, strengthen the verification of the authenticity of identity documents, especially when opening a passbook account with a card.

2. Intensify publicity and education activities on cardholders' common sense of safe card use: First, help cardholders to deepen their understanding of the functions of bankbooks with cards and similar scams, so that cardholders can be vigilant and not give criminals an opportunity; The second is to educate cardholders to abide by the relevant financial settlement system, and relevant enterprises should use enterprise accounts for sales and procurement activities.

3. Strengthen the registration, appointment and management of large deposits and withdrawals; Strengthen the audit and supervision of large deposit and withdrawal business, and remind cardholders to carefully check their accounts and bank receipts when making large deposits.

9. Account theft

There was a false notice next to the teller machine in Shijiazhuang, and the inexplicable phone could not be dialed.

At 6: 00 pm on September 6, the Public Security Bureau of Shijiazhuang issued an alarm saying that there was a false notice of bank card fraud in the city, and two citizens were fooled. I hope the public will be vigilant.

At about 9: 00 on September 5th/Kloc-0, Dong Li, a citizen, withdrew money from the ATM of a bank, but there was no money at the cash outlet, but the balance inquiry result showed that the transaction was successful. At this time, he saw a "bank notice" posted next to the ATM machine, with fault tips and contact numbers on it, so he called to ask and operated under the guidance of the other party. After the operation, the other party asked Dong Li to trade the next day. The next day, Dong Li found that the funds in the card were stolen and reported it to the Public Security Bureau.

After investigation, in this kind of cases, criminals first tampered with the ATM so that it could not operate normally, and then induced the victim to dial the phone number on the fake bank notice next to the ATM. During the call, criminals used the ATM transfer business to trick the victim into transferring the funds in the card to the criminals' account. Since 2004, such cases have occurred frequently in southern coastal cities. Through the joint efforts of local public security organs and banks, as well as the education and publicity of cardholders' safe use of cards, the occurrence of such cases has been basically curbed.

10、

Fake card fraud

Release date: April 25, 2006 at 5: 34: 00.

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5,000 credit cards were stolen from Hong Kong, involving a total amount of 760,000 yuan.

Recently, there has been another wave of credit card theft in Hong Kong. The fake credit card mainly involves banks in Hong Kong, but many hotels in the mainland have found fake card fraud, indicating that the activities of criminal groups have gone deep into the mainland.

A few days ago, the Hong Kong Monetary Authority informed the outside world that many hotels in the Mainland had recently discovered that customers' credit cards had been stolen. According to the preliminary investigation by Beijing police, 5,383 credit cards in Hong Kong were affected, which were suspected of unauthorized transactions 125, involving an amount of more than 760,000 yuan. The case is still under investigation.

The Hong Kong Monetary Authority said that it had followed up the incident with the card issuer, and banks also took measures to prevent unauthorized transactions, including suspending the use of problematic credit cards and issuing new cards to customers.

A person from Visa International said that cardholders in the Asia-Pacific region are protected by Visa's zero-risk policy. According to this policy, cardholders do not have to bear the payment responsibility for unauthorized Visa credit card and debit card transactions, but only need to pay for the goods or services they purchase, and ensure that every Visa card swipe transaction or online transaction is protected.

The cashier was careless, and the criminals stole the brush at will.

Recently, the Dongcheng District Court in Beijing sentenced the suspect Zhou Songhang to one and a half years' imprisonment for credit card fraud.

On March 27th this year, the suspect Zhou Songhang arrived in Beijing with forged American Express credit cards and Diners' credit cards in Guangzhou, and stayed at Wangfujing Hotel. On the same day 17: 00, Zhou Songhang bought seven air tickets with a forged American Express card at the ticket agency of the hotel, totaling13,000 yuan, and signed the bill "Andy. c”。 When checking out the room rate, Zhou Songhang still used a forged credit card to swipe his card smoothly. On April 3, Zhou Songhang stayed in Wangfujing Hotel again, and used a forged credit card to buy air tickets and settle the room rate again.

On April 6th, American Express Credit Card Company informed Gaohang Airlines that the name "Andy". The "C" on the purchase order is different from the real cardholder, and the payer uses a fake card. Gaohang Airlines quickly reported the case to Dongcheng Branch. Soon after, Zhou Songhang came to Wangfujing Hotel again and used forged credit cards for spending. When Zhou Songhang signed Andy. C "on the purchase order, it caught the attention of the staff and immediately called the police. Subsequently, the criminal investigation detachment of Dongcheng Branch arrested Zhou Songhang. (Beijing Youth Daily 2005- 1 1-28)

"Driver" in Taiwan Province Province was sentenced to Hangzhou.

A "driver" of Taiwan-Hong Kong counterfeit card group was caught stealing counterfeit cards in Hangzhou. Recently, the People's Court of Xiacheng District of Hangzhou sentenced the suspect Han to 7 years' imprisonment and fined him 654.38 million yuan. It is reported that this is the second case in Hangzhou this year in which foreigners used forged international credit cards to defraud huge amounts of property.

From July 8th to 10, Han spent150,000 yuan on credit cards in Shanghai Landmark Plaza Commercial Building, Hualian Department Store Pudong Branch and Hangzhou Lane Crawford Hangzhou Building. Korean credit card spending is generous, causing the cashier's suspicion in Hangzhou Commercial Building. After spending tens of thousands of yuan by swiping the card four times in a row in Korea, the cashier in the mall asked him to register for the bank's authorization and reported the relevant situation to the mall security. After waiting for a while, Han was anxious and ready to slip away. He was captured by the security guards who arrived in time and handed over to the police station. The police found 17 forged credit cards from him. Han confessed to the crime of stealing fake cards. (Today's Morning Post 2005- 12-10)

1 1, SMS fraud

Release date: 5: 35 on April 25, 2006

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The basic fraud process is as follows:

first step

At first, the suspect sent a short message to the victim with his mobile phone (Shenzhouxing number1366 ×××××××××××××××), saying that his credit card had spent ×××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××

Second step

After seeing the text message, the victim will call the phone on the left to ask. The other party claimed to be a bank employee and told the victim that the bank card was being spent in a shopping mall. When the victim denies it, the person will ask the victim to report the case to the public security organ immediately, freeze the card immediately and leave the alarm number, otherwise Tietong No.1 will call.

Third step

After the victim connected the "alarm" phone, the other party claimed to be a "policeman" of a public security bureau or a financial crime investigation bureau. While accepting the victim's report, he told the victim that in order to reduce the loss, all the money in the card should be transferred out immediately, and the customer service phone number of the UnionPay card department (this phone number is still Tietong No.1) should be provided to the victim to let the victim contact the so-called bank again.

Fourth step

When the victim contacted the so-called "Bank UnionPay Card Center", the other party eliminated the worries and worries of the victim in the name of providing the victim with "full guarantee from the insurance company" and asked the victim to use the bank ATM machine to transfer all the money in the bank card account to the designated account. The victim enters the bank card password on the ATM according to the request of the other party and transfers all the money to the other party's account.

In order to trick the cardholder into transferring money, criminals will also take advantage of the hidden danger that the cardholder is unfamiliar with ATM transfer, which directly leads to the theft of the victim's money. In some new cases, criminals will ask victims to input their own passwords, but what they actually input is the transfer amount. If the cheated person enters a six-digit password and there are corresponding digits of deposits in the card, all these deposits are likely to be taken away.