How to deal with the refund after cashing in the card?

How to deal with the refund after cashing in the card?

During the "Double Eleven" period, we will receive some feedback from consumers every day. They are at risk of being cheated and their property is damaged. I hope to intercept the transferred funds as soon as possible. The risk controller of a bank's credit card department told the reporter.

In her view, although these fraudulent means are not complicated, they are mainly part-time cashback fraud, and criminals pretend to be customer service staff and lie about online shopping refund claims (or personal accounts are fraudulently used by others to apply for loans) to implement fraud, but there are still many consumers who are deceived.

The reporter was informed that there are still many financial frauds involving online shopping refunds and cashbacks during the "Double Eleven" period, which are mainly affected by three major factors: First, the protection of personal information is still not rigorous enough, and it is easy for criminals to "buy" a large amount of personal information to commit fraud; Second, some consumers are either worried about the intimidation of criminals, or greedy and cheap, and are easy to fall into the fraud trap.

"During the Double Eleven period, we found that some consumers have also been exposed to a lot of anti-fraud knowledge, but in actual situations, they will listen to the fraudsters' side of the story and fail to identify financial fraud routines in time." The above-mentioned credit card department risk control personnel said.

Third, some consumers are often lucky, mistakenly thinking that following the advice of criminals can quickly avoid the risk of frozen accounts or quickly get back the principal, and eventually fall into a bigger fraud trap step by step.

In view of the frequent financial fraud involving online shopping refunds and cashbacks, more and more financial institutions are committed to strengthening internal management and cooperating with relevant departments to crack down on fraudulent organizations in order to minimize the probability of fraud.

An executive of a financial technology company told reporters that they have recently upgraded measures to protect consumers' rights and interests, including using AI technology to strengthen data security, prevent fraud, crack down on financial attacks, and build a comprehensive financial security firewall for consumers. Specifically, on the one hand, strictly follow the principles of minimum data usage, informed and optional users, strongest user privacy protection and data security, clarify the standardized operation of data usage, storage and transmission scenarios, and build a protection and governance system covering the whole life cycle of data; On the other hand, in view of the frequent occurrence of telecommunication network fraud, the application of intelligent robots is strengthened, and the whole process and multi-node user early warning and intelligent interception of potential fraud on the platform are carried out through behavior data capture. As of this year 10, about 36,000 users have been prevented from being cheated, and the cumulative user loss has exceeded 350 million yuan.

"More importantly, we have built a complex network including about 500 million nodes, so as to analyze and calculate the correlation between each user and blacklists and fraud gangs, as well as the correlation between multiple orders, judge the risk level, find out the whereabouts of illegal organizations in time and collect relevant evidence, and cooperate with the police and other relevant departments to crack down on illegal organizations, because these illegal organizations not only encourage borrowers to maliciously evade debts, but also sell personal information to criminals for fraud." The above-mentioned financial technology companies pointed out to reporters.

In his view, financial institutions strengthen the protection of personal information, mainly to narrow the scope of criminals obtaining personal information to commit fraud. However, in order to thoroughly crack down on all kinds of fraud, financial institutions need to strengthen intelligent interception, reminding and dissuasion, and cooperate with relevant departments to "crack down" black-market organizations and fraud organizations, greatly increase their criminal costs, greatly reduce their input-output ratio, and finally force them to "leave".

Many people in the financial industry pointed out that in addition to financial institutions constantly strengthening the personal information protection mechanism and cooperating with cracking down on fraudulent organizations, individual consumers should also do three things at ordinary times to prevent fraudsters from taking advantage of it.

First, personal information should not be leaked at will. At present, a new sign is that criminals often collect personal information on express parcels as an important "customer source" for them to implement cash back fraud and false investment fraud. However, in the real scene, many consumers pay little attention to the protection of personal information on their express parcels, and handle these express parcels at will, which makes it easy for fraudsters to collect a large amount of personal information.

Second, you must listen to everything. Even if consumers fail to identify the risk of fraud at the first time, when criminals ask you to "don't contact others" for various reasons, you must immediately remind yourself that you may have fallen into the fraud trap-the so-called authorities are fascinated, bystanders see clearly, and fraudsters are most afraid of being deceived and contacting others, and they will suddenly realize that they have discovered the fraud scam.

Therefore, when criminals ask you not to contact others, you should "do the opposite" and communicate with friends and family around you and ask them to help you judge whether you have fallen into the fraud trap.

Third, under any circumstances, don't transfer money rashly and disclose personal account passwords and other information. Because the ultimate goal of fraud is to cheat your property (even let you borrow money and then cheat the loan funds away). Therefore, as long as consumers resolutely do not transfer money, resolutely do not disclose personal account passwords, and resolutely do not apply for any loans, fraudsters will "take you nowhere" and eventually reveal their true colors.

If consumers themselves are "hesitant" about whether to transfer money, they would rather "add trouble" to themselves, but also go to the bank counter to seek professional advice first, instead of directly transferring money or loans through the Internet for convenience.