Original question: Hand holding hundreds of mobile phone cards, bank cards, telecommunication network scams how to escape the 'two cards' real name system?
Author: ZHOU Ke Wang Xiaodan
The reporter traced the investigation and found that the suspects purchased a copy of the ID card or used the fake ID card to handle the mobile phone card in batches, and bought and sold, holding a large number of bank cards, resulting in the real name system of the mobile phone card, the bank card limit card order and the account real name system, etc. .
Acquisition, counterfeit certificate, reselling, money laundering 'one-stop', mobile phone card, bank card as a money laundering tool
The reporter learned from the Longgang Branch of the Shenzhen Public Security Bureau that in the near future, Longgang police detected a network of scam frauds. The task force captured 110 suspects in 17 cities across the country, and seized 933 fake ID cards and 1892 bank cards. 1070, 265 mobile phones, 621 telephone cards, 234 ciphers, 246 fake official seals and a batch of certification equipment, the amount involved is huge.
The reporter found that the crime network consisted of gang members in Shenzhen Nanwan Street (card total), card dealers in other places, express industry 'inner ghosts', fraud gangs, money laundering gangs (water houses), etc. They acquired and sold ID card, telephone card, bank card, U shield composed of 'four sets' mainly, forming a black industrial chain.
Specialist acquisition of 'four-piece set'. 'Car dealer' to collect 'four-piece set' from 100 yuan to 300 yuan, and then sell it to 'card total' from 350 yuan to 400 yuan. Each cardholder can do a bank card from 'Car dealer' gets 100 yuan in his hand.
Use the copy of the ID card to copy the fake certificate. 'Card General' will send a copy of the collected ID card to the counterfeit center, and the fake counter will make a fake ID card. This fake ID card has no electronic chip except There is almost no difference in identity cards.
Reselling to fraud gangs. 'Card General' With the help of the logistics company's 'inner ghost', the complete set of ID cards, telephone cards, bank cards, U-Shield and other physical information will be sold to 13 countries in the country to commit crimes and key countries and Southeast Asia, Europe. Telecommunications network scams waiting abroad.
According to the survey, 'Card General' sold the 'four-piece set' to 800 yuan to 2,000 yuan to domestic and foreign fraud gangs, sold for tens of millions of yuan, express 'inner ghost' per transaction can be commissioned 7 percentage points.
'The card eventually became a money laundering tool for criminal gangs.' Li Gang, deputy head of the Longgang Interpol Brigade, said that after the fraud gang has committed the crime, the money will be transferred to the purchased bank card and the third-party payment account. It will be quickly transferred to the second, third-level bank card and third-party payment fund pool within a few minutes, and then taken out to the eighth-level bank card to escape the police tracing.
Use a fake ID card to do a mobile phone card, register a third-party payment platform account, and buy and sell bank cards in large quantities.
The reporter found that in this case, the criminal suspect used the fake certificate to register the third-party payment platform account, set up the mobile phone card, buy and sell the bank card, the real name system for the mobile phone card issued by the telecommunication network fraud, the bank card limit card order, etc. in actual operation. Failed.
——Fake ID cards for mobile phone cards in batches. In 2015, the Ministry of Industry and Information Technology, the Ministry of Public Security and other departments jointly issued a “black card” governance special action work plan, requiring telecommunications companies to use second-generation ID cards when handling telephone access procedures for users. The identification device verifies the user's identity document.
Li Gang introduced that the suspects involved in the case purchased a large number of mobile phone cards with the real name system before the hoarding. On the other hand, they purchased the mobile phone cards in batches through the acquired ID card copy or fake ID card. Although the telephone access system entered the user identity information, Actually it is not the user's information. It is estimated that there are tens of thousands of mobile phone cards sold by the criminal gang.
——The bank card is limited to sell. The original notice issued by the CBRC at the end of 2015 on the work of the banking industry to combat the new illegal crimes of the telecommunications network stipulates that the same customer should not open more than 4 debit cards in the same institution. The same agent shall not exceed 3 cards in the same commercial bank.
The police investigators admitted that although the bank has restricted the number of cards, the regulations on illegal possession and trading are not binding. Because the illegal cost is very low, criminals buy and sell bank cards in large quantities, bank card limit card orders and account real name requirements are required. The actual operation also fell short.
The suspect involved in the case confessed that as long as the money is given, someone will be willing to do the card. One bank will set up a card for 100 yuan, and 5 banks will have 5 cards for 500 yuan. The bank card will be marked with the name and password, and then Sold to the country and abroad.
In August 2017, a man carrying 92 bank cards was seized at the exit of Shenzhen Luohu, and the 92 bank cards were not their own. The customs officers responsible for the inspection told the reporter that these bank cards belonged to 10 Bank, under the name of more than 20 people, is illegally held.
The reporter noted that some real-name systems for third-party payment platforms are not in place and are being used by criminals. Li Gang said that he used a fake ID card to register a third-party payment account. After the fraudster succeeded, he transferred the money from the bank card to the third-party payment. The account, from the third-party payment account to the bank card, frequent operations, layer-by-layer transfer, the money after 'rinse' is difficult to trace.
Management regulations must grow 'teeth' real name system needs to be implemented
According to statistics, in Shenzhen Longgang District, the telecommunications network fraud case in 2017 accounted for 70% of the total number of cases. Li Gang believes that telecommunications network fraud is high, one of the important reasons is to curb the 'two cards' of the fraud 'throat' live.
Guo Hongwei, chief engineer of the Guangdong Provincial Public Security Department's network police corps, said that illegally obtaining citizen's personal information as the upstream, buying and selling citizen's personal information as the middle reaches, using citizens' personal information to implement telecommunication network fraud, etc. as a downstream, formed a complete infringement of citizens. Personal information black industry crime chain. Downstream crimes such as telecommunication network fraud are repeated. The big reason is that 'the illegal source of illegal access is difficult to dig, and the illegal trading in the middle reaches is difficult to fight.'
The industry believes that the relevant departments should let the management regulations grow out of 'teeth', mobile phone cards, bank cards, and use the whole process to strengthen supervision.
Nie Lize, a professor at Sun Yat-Sen University School of Law, believes that telecom operators and banks should strictly implement the real-name system regulations, so that people's cards can be matched. Banking cards, illegal holdings, etc., are included in criminal offences, raising illegal costs, and eliminating telecommunications networks by cutting off channels. The occurrence of fraudulent crimes.
'In addition to strengthening the 'two cards' supervision, it is also necessary to establish a third-party payment platform customer identification mechanism. ' Wang Zhengtu, head of the Shenzhen Anti-Telecom Network Fraud Center, said that compared with the traditional banking industry, the third-party payment is based on most of the punishments. Belonging to departmental regulations, it is recommended to raise the departmental regulations to the legislative level, and enhance the authority and shock of supervision.
Nie Lize said that the public should also enhance the legal awareness, not to sell small personal ID cards, bank cards and other information to others. Once used by criminals, it will bring legal risks.