The Ministry of information industry said it would issue the first SMS regulation to punish SMS fraud

Introduction: during the "11th" period, Beijing police received 1265 credit card SMS fraud cases, and dozens of people who were cheated suffered losses The reporter experienced the scam: the swindler pretended to be a bank and public security department staff, sent the victim's "credit card or bank card is transferred" SMS, and induced the victim to transfer money to defraud money Such SMS fraud has spread across the country The Ministry of information industry has revealed that it will issue the first SMS law and regulations to fight against the escalating SMS fraud The legal experts made a profound analysis and put forward countermeasures During the "Golden Week", Beijing police received 1265 reports and dozens of people were cheated The biggest loss was 310000 yuan, which was disclosed by Beijing Public Security Bureau on October 11 During the "11" period, credit card SMS fraud cases broke out in a large area From September 30 to October 7, a total of 1265 such alarms were reported to 110 police stations within 8 days, and 88 were reported on October 2 alone Until now, the police still received many credit card SMS fraud alarms According to Beijing police, dozens of people who have been cheated are mostly aged between 35 and 50, with losses ranging from several thousand yuan to 310000 yuan At about 19:00 on September 30, Zhao, the subject of the incident, received such a mobile phone message and transferred the funds in the card to the account said by the other party through transfer at an ATM in Fengtai District under the guidance of the other party As a result, he was defrauded of RMB 310000 Swindlers are everywhere in Shanghai, Xiamen, Guangzhou and Beijing SMS scammers are rampant in the face of questioning "Dear customer of China Construction Bank, Hello! Your withdrawal card just successfully consumed 3980 yuan in Guangzhou Department store If you have any questions, please call 020-35525035 management department " This is a text message just received by the reporter on October 12 via the "1355" mobile phone, but the reporter has never mentioned this consumption in Guangzhou Department Store in the text message The reporter specially called "114" to inquire the origin of the telephone number, and the staff informed that the number was a "PHS" user How can banks use "PHS" as a business consulting phone? After checking the message carefully, the reporter called the phone number in the message with questions However, the "consultation phone" has been busy After more than two hours of continuous dialing, a woman who called herself "staff of the management department of China Construction Bank" answered the phone It is unusual that the woman did not take the initiative to report the work number to the reporter, but directly asked the reporter what business needs to be handled When it is known that the reporter is asked to inquire about the consumption situation due to the receipt of "consumption information", he asks the reporter for his name and mobile number The reporter said that recently there was no credit card consumption, and deliberately reported a pseudonym and mobile phone number The other side checked and said: "the computer shows that you do have this consumption If you have any questions, we can help you freeze your account first Please tell me your ID number, card number and password." The reporter also told a fake bank passbook and password to the woman, and then asked, "will the bank use PHS to make a service phone?" When asked about the address of the management department and her work number, the woman immediately replied "our service is over", and then hung up the phone According to the reporter, this type of credit card consumption SMS fraud first appeared in Shanghai, Xiamen and other southeast coastal cities in May, then in Guangzhou, and began to appear in Beijing in early September Many credit card fraud messages received by mobile phone users claim to be sent from "Shenzhen Construction Bank" Shenzhen construction bank told reporters that after suffering from grievances, in order to understand the situation of the cheater, the staff successively called the phone number provided in the fraud message in different time periods What's more, the swindler said wildly, "I'm a swindler, so what? I lied without regret! " Dozens of SMS group transmitters harass thousands of people a day There are four types of fraud modes Many people play the role of bank and public security organ staff According to the police, almost all of these SMS scammers come from somewhere in the south They purchase the tools such as SMS group transmitter, mobile phone and computer, connect the mobile phone and SMS group transmitter, and send the pre fabricated fraud SMS randomly to the mobile phone numbers of each number segment at the speed of thousands of messages per day The mobile phone numbers are all from a "national mobile phone number data book", more than 400 pages of which contain the mobile phone numbers of all provinces and cities in the country When the victim contacted the other party according to the mobile phone number, one of them pretended that the bank staff said that the card of the victim had been stolen and asked the victim to call another "public security financial investigation section" The second person pretends to be a public security officer to "number" the victim and file a case to win the trust of the victim The third person uses the phone to remote control the victim to the ATM for transfer operation The so-called network protection account is the bank card account that the criminal suspect uses the fake ID card bought in advance to handle in ICBC, CMB and other major banks After operation, the deposit of the victim on the bank card is transferred to the bank card of the criminal suspect After calling several similar mobile phone numbers, the reporter found that the swindlers pretended to be bank staff or "UnionPay" credit card staff, and their "service" attitude was excellent A liar who pretends to be a policeman is full of confidence when he "points" the victim to make a "bank" call or transfers money directly from an ATM After collection, the reporter found that there are four modes of this kind of fraud message: "Dear XX bank customer Hello! In order to avoid theft, please contact a financial related unit (a fixed telephone number) immediately due to multiple cases of copying and stealing of data leakage card "Hello! Your savings card successfully swiped 1980 yuan in Shanghai, which will be deducted from your account If you have any questions, please dial (a fixed telephone number) a financial related unit " "×× bank notice: your withdrawal card is swiping 1980 yuan in a supermarket, and the authorization is confirmed successfully This amount will be deducted from your account If you have any questions, please dial (a fixed telephone number) business department for inquiry " "×× bank notice: your user's withdrawal card has just spent 1980 yuan in Wal Mart, which has been approved with authorization code of 1658 If you have any questions, please dial (a fixed telephone number) management department for inquiry " The bank will not use the mobile phone number to send text messages to customers; the bank does not directly remit money to customers for card swiping consumption; the bank will not require customers to handle such business on ATM According to the police analysis, this kind of police situation is quite different from the previous "winning information" fraud The suspect mainly uses the citizens' psychology of worrying that the funds in the bank card are transferred without any reason, anxious to preserve the funds, and swindles the victim to transfer money to the other party at the ATM At this time, the owner did not know that the funds in his card had been transferred out by himself The police said that the security awareness of the victims has been enhanced, but the understanding of financial knowledge is still very lacking, which has left opportunities for criminals In fact, the suspect's deception is full of holes [NextPage] vulnerability 1: banks usually use customer service phones to send text messages to customers, rather than ordinary mobile numbers Loophole 2: first of all, the customer needs to sign for confirmation in person; even if there is a transfer, it is also a transaction between the customer and the mall, and the bank will not directly transfer the account to the customer Loophole 3 if there is a real problem with the credit card, the bank will not require the customer to handle it on the ATM, but requires the owner to go to the bank to handle it face to face Don't call back directly after receiving suspicious SMS, don't disclose bank card account information to others, and don't use the fixed phone with call and call display to check the account The police remind the masses: if you receive a suspicious message, you should first check the content of the message in the bank and other financial places, or call the customer service telephone number officially announced by each bank to check the consumption The 110 command center of Beijing Municipal Public Security Bureau has also sent out bank credit card fraud prevention tips to all 130 and CDMA users who have registered their complete personal data through China Unicom Most ATM machines in Beijing are pasted with tips on prevention of SMS bank card fraud: "Beijing Public Security Bureau advises the public that there are some suspects who use mobile phone calls or SMS messages to carry out bank credit card fraud in the name of banks or police in the near future To prevent you from being infringed, please consult the bank in person." Banking experts remind the public to pay attention not to use other people's mobile phones to call the bank to check the account, nor to use the fixed phone with call and call display to check the account This is because the bank card account number, password and other information will be remembered in the phone In the face of the violation of SMS market, the Ministry of information industry will soon launch the first SMS law, the regulations on the management of communication SMS service, and it is doubtful whether the operators are responsible Shen Yongtao, the telecommunications administration of the Ministry of information industry, told reporters that in the early stage of the development of SMS business, there were not many service violations, and the relevant departments did not have too much administrative intervention in SMS business, but hoped that the SMS industry could develop through self-discipline, but at present, it seems that the situation is not happy, so the government has to take measures to rectify it According to Shen Yongtao, the first short message law in China, the regulations on the management of communication short message service, jointly issued by the Ministry of information industry, the Ministry of public security and the Information Office of the State Council, will be published in the near future Prior to this, the Ministry of information industry has successively issued the "notice on the issues related to the standardization of short message services", "guidance on the governance of current hot issues of telecommunication services" and other documents to rectify various SMS traps and other irregular telecommunication services "The previous notice is a guiding document, and the new regulation regulates SMS service and use behavior in the form of law, which will be promulgated in October or November this year." Shen said Such a large-scale SMS fraud, as a telecom operator should bear the responsibility? Will the upcoming SMS regulations clearly stipulate this? These problems became the focus of discussion in the industry The reporter called the Ministry of information industry and other relevant departments, but no clear answer was given Liu Jingyi, an associate professor at the school of law, Central University for nationalities, believes that in fraud cases, telecom operators should bear the responsibility, mainly depending on whether they are at fault First of all, the operator does not have the right to ask about the content of SMS, which belongs to the judicial power, while the operator does not have the judicial power Second, if the other party calls the bank recording system, it depends on who installed the recording system If it is installed by the communication company, it should bear the responsibility If it is installed by the fraud suspect, the operator does not have the judicial power Responsibility Liu Shixin, director of China Society of Criminology and professor of School of law and politics of Nankai University, believes that operators of basic telecommunication services and Internet information service providers entrusted by them must undertake certain obligations of listening and screening and technical interception.