Some people say they can help me take out Alipay's money. Is it true?/You don't say.

In March this year, the China Banking Regulatory Commission and other five ministries and commissions

joint statement

Liquidate micro-credit companies

Internet consumer loans may not be issued to college students.

Institutions established without the approval of the regulatory authorities

It is not allowed to provide credit services for college students.

What I didn't expect was

The fraudsters are actually close behind.

On the grounds of cancellation or change of Alipay student account

Commit fraud

Receive such a call

Fang friends should be careful ~

Fraudulent telephone recording

When you were in college, our Alipay platform opened "Flower Bai" and "Borrowing Bai" for you. Are they used normally there? Because the state explicitly prohibits the storage of student information and campus information on major financial platforms, you filled in the student account information when opening Alipay, and now you need to cancel and close it, and change it to your current social identity information before you can continue to use it.

"Cancelling Alipay student account" is fraud!

Xiao Wang, a young man born in Linzhi, Tibet, recently received a call from a customer service provider who claimed to be a financial service institution.

Xiao Wang, a citizen of Linzhi, Tibet: After receiving the phone call, he can accurately tell me my name, the university I went to, when I graduated, and my age now. Then, in March, he issued regulations to regulate student accounts. Student accounts are not allowed to borrow money from things like "flowers" and "borrowing".

Coincidentally, Xiao Liu from Hubei

Just graduated from graduate school.

I received a similar call at the end of July.

Because the other party can say it accurately.

Your own identity information and graduation school

Wang and Liu Fang let their guard down.

Pan Li

Police of Anti-fraud Center of Jiang 'an Branch of Wuhan Public Security Bureau, Hubei Province

When they call the students, they will tell you your name, your ID number and information about your school, so as to build trust with you.

After building trust,

Liars will make new demands.

Fraudulent telephone recording

I'll teach you to check whether there is a student account first, and then you can change it in Alipay yourself, ok? Open Alipay and click "My" in the lower right corner, and then click the total assets to check your "loan" amount.

Instead of teaching users to query.

The situation of the so-called "student account"

How did it immediately become a query "borrowing" quota?

in fact

The fraudster used this as a cover.

In order to catch the users on the mobile phone.

How much can I borrow?

"Empty student account" is defrauding users of loans!

Be targeted by fraudsters

It was the real money lent by the victim.

The so-called "Alipay student account" is cleared.

In fact, it is the loan amount in the "loan"

Borrow money and turn it into cash.

(network diagram)

A swindler's money-cheating action

How is it implemented step by step?

Xiao Wang, a citizen of Linzhi, Tibet: I'm going to lend Bai Jie's money, put it in my bank card, and transfer it to the account of the self-proclaimed CBRC provided by him. He said that after the "Bai Jie" was cleared, the person who claimed to be the CBRC would immediately return the money to my Alipay "Bai Jie".

Xiao Wang told reporters

I have a problem with fraudsters.

Operations requiring bank card transfer

I had my doubts.

But what the fraudster said

Let yourself believe.

Xiao Wang, a citizen of Linzhi, Tibet: He said that after my money was taken out of the "loan", I would receive a text message from China UnionPay. When the money is transferred from the bank card to the account provided by him, he will ask me to send such a short message to China UnionPay, saying that I applied to China UnionPay.

According to the screenshot of the SMS provided by Xiao Wang,

He was on July 24 this year.

Transfer money to the fraudster seven times.

Before confirming a transfer of money.

Will receive the corresponding

China unionpay transfer verification code SMS 955 16

Every time I receive a verification code message,

After the transfer is successful

The number Xiao Wang gave to China UnionPay was 955 16.

Sent a short message

The content of the short message meets the requirements of fraudsters.

The so-called voluntary cancellation of student accounts

And ask China unionpay

Return the transfer to the "debit" account.

Take this as a record of China UnionPay.

This made Xiao Wang mistakenly think it was

Every time he replies to a text message,

China UnionPay will send a verification code message.

In fact, it is.

A scam carefully planned by fraudsters.

The reporter checked with China UnionPay 955 16.

The reply is ↓↓↓↓

The short messages sent by 955 16 number are all messages with verification code automatically sent by China unionpay system. It is invalid for users to reply to the short messages by themselves to 955 16 number.

The reason why fraudsters

Let the victim reply to this invalid message.

Is to make the victim think

I received a text message of transfer verification code.

I received it after I applied for it myself.

This makes the whole scam sound more real.

Also encountering such a scam is Xiao Zhang from Ganzhou, Jiangxi. According to the investigators, under the temptation of fraudsters, Xiao Zhang was cheated out of a loan of 82,000 yuan.

The reporter consulted Alipay's customer service and learned that Alipay passed the real-name authentication of the ID card, and there was no problem of changing the so-called student account into a work account.

The police reminded:

It is illegal to ask users to cancel the transfer of loan accounts.

The telecom fraud model is constantly being refurbished.

Fang friends must tighten the string of fraud prevention.

-End-

Editor of this article | Small Door Ear

Source | CCTV Finance, Liaoshen Evening News