What is "online fraud"? What is "telecom fraud"? How do netizens around the world try their best to guard against those "networks"

1. Internet fraud refers to the act of using the Internet to fabricate facts or conceal the truth for the purpose of illegal possession, and defrauding a large number of public and private property.

2. Telecommunication fraud refers to the criminal behavior that criminals fabricate false information and set up scams by telephone, internet, SMS, etc., and conduct remote and non-contact fraud on the victims to induce the victims to remit or transfer money to the criminals.

3. Measures to prevent those "cyber fraud" and "telecom fraud":

(1) Increase publicity. Through the sampling survey of the deceived groups' gender, age, education level, household registration and other attributes, this paper summarizes the rules and designs key publicity for different groups.

(2) Improve the anti-fraud policy and legal environment of the banking industry. First, strengthen the construction of anti-fraud system, formulate special anti-fraud legal norms, form a legal system of bank fraud prevention, identification, investigation and accountability, and provide legal norms for anti-fraud work in the banking industry. The second is to build a mature social credit environment, further accelerate the construction of a comprehensive credit information system, with the relevant state departments taking the lead in establishing a unified comprehensive credit information platform, collecting and sharing social public management information and risk information in various fields, standardizing the inquiry and application of credit records of enterprises and individuals, establishing a punishment mechanism for fraud and dishonesty, further improving fraudulent violations, and developing comprehensive inquiry, emergency payment stop, freezing and intelligent risk control.

(3) Banks should adjust their strategic positioning. It is an important reform for the People's Bank of China to reconstruct the personal bank account management system, fully implement the personal account classification management system and establish the personal bank account classification management system. This institutional arrangement is conducive to protecting the security of individual bank accounts, meeting the needs of individual differentiated payment services, and restraining the trading account space. It requires that the same person can only open a Class I bank settlement account in the same bank and a Class III payment account in the same payment institution.

(4) Strengthen transfer management. The main channel to block the transfer of fraudulent funds in telecommunication networks. According to the clues provided by the public security organs, individuals are required to transfer money through ATM within 24 hours, and within 24 hours, individuals can request to cancel the transfer business. At the same time, in order to prevent the abnormal flow of large amount of funds in accounts, banks and payment institutions are required to agree with customers on the payment limit and the number of transactions in advance to remind them of large-amount transfer transactions.

(5) Protect personal payment safety. Strengthen the management of bank card acceptance terminals. In view of the problems of recording bank card information and illegal use of POS machines after being illegally modified, the People's Bank of China has strengthened the management of POS machines, banned online transactions between POS machines and credit card readers, and organized banks and payment institutions to conduct on-site inspections on the actual use locations of POS machines one by one.

(6) Deepen cooperation mechanism and strengthen law enforcement. Construct an all-round and multi-level anti-fraud joint cooperation mechanism between banking and regulatory authorities, regulatory authorities and social public management departments. Specifically, it can be studied that the Ministry of Public Security, the People's Bank of China, the China Banking Regulatory Commission and other units will take the lead, and commercial banks, telecom operators, UnionPay and other institutions will establish an anti-fraud joint defense mechanism in the banking industry, and cooperate in joint defense and joint investigation of suspicious account funds information and inter-bank emergency payment of accounts involved. , actively establish and prevent and crack down on financial fraud.