Special anti-fraud legislation has launched an ＂offensive and defensive war＂ against telecommunication network fraud in an all-round way.

Cctv news(Reporter wanglili) According to the latest data released by the Ministry of Public Security, from January to September 2021, 262,000 cases of telecommunication network fraud were cracked and 373,000 suspects were arrested, up by 41.1% and 116.4% respectively. In 2020, 927,000 cases of telecommunication network fraud were filed nationwide, which caused losses of 35.37 billion yuan to the masses.

In response to the telecommunication network fraud crime that the public hates, the state has "released a big move". Recently, the draft anti-telecommunication network fraud law was published and publicly solicited opinions from the public. This is the first time that China has made special legislation to combat and control telecommunication network fraud, marking the official entry of anti-telecommunication network fraud crime into the national legislative process. During the interview, it is obvious that with the joint efforts of public security organs, financial institutions, technology companies and other industries in the whole society, a war of "attack" and "prevention" against telecom fraud is about to start.

Public security organs: cases continue to be high, and the network black and gray industry continues to expand.

In daily life, netizens who are short of funds are defrauded by loans; Frequent online shopping is impersonated as customer service and false shopping fraud; Those who can’t find a job are defrauded by part-time brushing … … During the interview, the police officer of Taiyuan Anti-fraud Center said that taking the case data of Taiyuan City as an example, telecommunication network fraud cases continued to be high, accounting for more than 40% of criminal cases. Among them, loans, brushing bills, killing pig plates and impersonating customer service are high-incidence cases.

It is understood that the total number of such cases is rising, criminal gangs are becoming more specialized and collectivized, the division of labor is gradually refined, and the activity area is cross-border, gradually forming a complete chain of upstream and downstream links. The most serious thing is that the black and gray industries such as providing citizens’ personal information, building network platforms and transferring funds channels for fraud gangs are expanding.

In Shanxi, Taiyuan Public Security Bureau continued to carry out the "card-breaking" operation, and successively destroyed a large number of domestic fraud dens and black ash gangs, and arrested a large number of cross-border fraud suspects who returned to China from abroad; We rolled out early warning and prevention work in an all-round way, continued to strengthen accurate early warning and dissuasion work, and successfully prevented a large number of people from being deceived.

Financial institutions: Opening accounts in different places, tightening innovation and launching "account security lock"

In the bank, the staff are promoting how to prevent fraud to the elderly.

Previously, news such as "bank staff at the counter urged the old lady not to transfer money" frequently appeared in hot searches. According to the Report on Mobile Phone Security in China in 2020 released by China Information and Communication Research Institute, although there were more people cheated after 1990s, the per capita loss was low. Once the post-60 s fall into the online scam, the per capita loss exceeds 20,000 yuan.

Among many leaked information, bank cards and mobile phone cards are the two core "realized" hardware. According to the relevant work requirements of the state on strengthening the crackdown on cross-border gambling and power grid fraud, the central bank clearly stipulates the main responsibility of "whoever opens an account is responsible". Therefore, many individual users and small and micro business owners find it difficult to open an account in a bank recently.

When visiting major banks in Shanxi, the reporter found that in order to prevent and control risks, many banks are more strict with card opening users. When establishing diplomatic relations with five major banks in Taiyuan, reporters were asked to open accounts as individual customers, and they were all asked "whether they are local accounts" at the first time. When they were sure, the staff of the outlets said that they could open accounts directly with their ID cards; If not, many bank staff will further ask about the specific purpose of card opening.

Among them, for individuals to open accounts in different places, the staff of Industrial Bank and Jinshang Bank not only repeatedly asked about the purpose of opening the card, but also requested to submit the red book containing their names or the supporting documents such as unit certificates or lease contracts.

In response to this phenomenon, the central bank recently issued "Guiding Opinions on Doing a Good Job in Personal Bank Account Services for Floating Employment Groups" and "Guiding Opinions on Doing a Good Job in Bank Account Optimization Services and Risk Prevention and Control for Small and Micro Enterprises", clearly stating that it is necessary to strengthen the optimization of account services and account management while not reducing the convenience of account opening and risk prevention and control.

During the interview, many professionals said that financial institutions need to constantly optimize and refine account opening control measures and constantly innovate their working methods in preventing and controlling network telecom fraud. Wang Fei, the retail finance department of Minsheng Bank Taiyuan Branch, said that taking their bank as an example, a sound financial business due diligence system has been established for the number of financial accounts and abnormal cards; Innovatively launch a full "account security lock" on the client; Open up a green channel for customers who actively cancel redundant bank cards, give various forms of encouragement, and fulfill the social responsibility of banks.

Technology company: the anti-fraud strategy needs to be improved urgently for fingerprint authentication.

Since 2021, there have been 2,700 cases of telecommunication network fraud in China, with an average daily loss of 140 million yuan. Although financial institutions are "strictly guarding against death", under the temptation of huge interests, criminal organizations still hold many black technologies, which bring many risks to all industries.

Nowadays, online fraud methods emerge in an endless stream. Many "black" technologies use the loopholes in the mobile phone system to crack fingerprint authentication, wear special glasses or make up to break through face recognition and live verification.

During the interview, Fu Liting, Marketing Director of Public Security Business Group of Iflytek Smart City Business Group, said that relying on core technologies such as voice recognition and intention recognition, they can quickly, accurately and comprehensively discover sensitive and harmful information spread in the telecommunication network, and timely push warning clues to the public security anti-fraud center for landing interception. In addition, instead of traditional manual lines, anti-fraud dissuasion robots are used to timely, automatically and accurately complete anti-fraud dissuasion work such as outgoing calls, publicity and intervention, accurately screen potential victims, and assist police officers in handling massive police situations.

In addition, many people in the industry believe that the current financial system urgently needs to improve the anti-fraud strategy. By collecting, cleaning and processing user behavior data, accurate portraits can be realized, user behavior scoring models can be established, and real-time and quasi-real-time monitoring and prevention of transactions can be realized through machine learning.

Legal expert: the anti-fraud atmosphere of the whole society is gradually taking shape

Telecom fraud has become a prominent crime with the highest incidence, the greatest loss and the strongest response from the masses. For the first time, China has made special legislation on telecom fraud. Wang Jijun, a professor at Shanxi University Law School, said that the anti-fraud atmosphere of the whole society is gradually taking shape. According to the requirements of improving the preventive legal system, the draft will strengthen the construction of preventive system measures for all aspects of telecom network fraud, such as information chain, capital chain, technology chain and personnel chain, so as to provide legal support for the actual needs of overall development and security, maintaining social management order and ensuring people’s property safety.

In his view, the draft is a preventive legislation. After the anti-telecommunication network fraud law enters the law, the definition, law enforcement, confirmation and sentencing of such fraud will be clearly based on the law, and the powers and responsibilities of public security organs and judicial departments to crack down on telecommunication network fraud crimes will be clearer, which is of great significance to maintaining social stability and economic and social development.