With the popularization of bank cards, bank card crimes have a high incidence, and various risk problems and criminal activities such as illegal cashing, fake card theft, SMS fraud, and malicious overdraft have occurred, which seriously jeopardizes the normal financial management order.
According to statistics, in 2009, there were 10,762 crimes involving bank cards nationwide, an increase of 88.2% over the same period of last year. The amount involved was 500 million yuan, a year-on-year increase of 117.4%. In order to curb bank card crimes, from January to October this year, the Ministry of Public Security and the People's Bank of China jointly launched a special campaign against bank card crimes nationwide.
Significant efforts to achieve results
Since the launch of the special action, local public security organs have launched a fierce offensive against bank card crimes and achieved remarkable results. According to statistics, from January to October this year, the public security organs across the country cracked a total of 19,000, and recovered economic losses of nearly 600 million yuan. Among them, only 14,000 cases of credit card fraud were cracked, up 1.7 times year-on-year.
In the special action, the public security organs cracked down on the illegal cashing of bank cards. More than 10 provinces and municipalities such as Beijing have launched a campaign to combat illegal cash-outs, smashing thousands of dens and severely squeezing the activity space for cash.
At the same time, special action attention to eradicate the source of bank card crime. In accordance with the principle of “playing gangs and chasing the sourceâ€, the national public security organs have formed a joint effort by integrating the financial resources of commercial banks and other financial institutions in terms of information and technology, destroying more than 200 geographical fraud card scams and destroying the forgery of bank cards. There are more than 300 factories. Only Beijing, Shanghai, Hunan, and Jiangsu public security organs have successively cracked more than 1,000 cases of forged bank cards, and nearly 10,000 fake cards were seized.
According to reports, in the special action, all localities timely cleaned up the previous years, and quickly investigated the case. At present, the public security organs across the country have cracked 1,500 credit card frauds in previous years. At the same time, the public security organs seized 486 suspects of bank cards who fled in previous years through various means such as proactive attack, extensive network, and policy attack.
In addition, in recent years, China's public security organs have intensified their efforts to crack down on bank card crimes. In May 2009, the Ministry of Public Security, in conjunction with the People's Bank of China, the China Banking Regulatory Commission, and the State Administration for Industry and Commerce issued a notice on strengthening bank card security management to prevent and combat bank card crimes, and established a sound joint prevention and control mechanism for bank card crimes. According to the relevant person in charge of the Economic Investigation Bureau of the Ministry of Public Security, the public security organs have established a police liaison officer system and cooperation mechanism with the five state-owned banks of China, agriculture, industry, construction and trade.
The Ministry of Public Security has further strengthened international cooperation in combating cross-border bank card crimes. At present, the police information system has been established with the police in Hong Kong, Macao and Malaysia, and some members of the United States and the European Union have also reached a high level of consensus on combating cross-border bank card crimes.
Fight against combination and focus on propaganda
Practice has proved that heavy strikes and light precautions can not be beaten; Only by highlighting the blow, paying attention to prevention, and achieving the combination of prevention and control can we become passive and take the initiative. To this end, starting in 2010, the national public security organs will carry out centralized publicity activities on combating and preventing economic crimes on May 15 each year, so that centralized publicity becomes a normal job.
On May 15 this year, the public security organs of various local public security departments carried out various forms of anti-bank card crime theme publicity day activities in crowded places such as squares, stations, commercial institutions, etc., and exposed a number of typical bank card crime cases. At the same time, localities have also made full use of television, newspapers, radio, Internet, mobile phone text messages and other propaganda to raise the awareness of the people, and formed a strong atmosphere to crack down on and prevent bank card crimes. According to reports, the public security organs of the national public security organs issued hundreds of thousands of brochures, more than 100 times in public places, and more than 500 times in the news media.
The public security organs have also compiled preventive measures into jingles: telephone text messages are not trustworthy, payment transfer needs to be taken care of; identity information should be kept confidential, beware of fraudulent use; online fraud patterns are new, and true and false online silver is discerned. Self-service access to fine observation, found that the abnormality is an alarm; overdraft consumption is honest, during the period, the money is remembered; the card-cash method is not allowed, and strict punishment is not merciless.
According to Internet surveys, during the special action against bank card crimes launched in January this year, about 104,000 people participated in a 100-day questionnaire survey conducted on the Internet. Among them, most of the respondents knew the basic content of the special action of the public security organs to crack down on bank card crimes, and the social recognition reached 81%. 88% of the respondents expressed satisfaction or basic satisfaction with the public security organs' crackdown on bank card crimes. Judging from the survey results, the special crackdown has won wide support from cardholders, and the social effect is remarkable.
On the other hand, while the public has widely recognized the effectiveness of the special operations, it has also raised higher expectations for the special crackdown work of the public security organs. According to the survey, 55% of the cardholders surveyed expressed concern about the high-tech bank card crimes such as Trojan horses and clone cards, and nearly 70% of the respondents said that compared with the recovery of bank card losses, It is more important to arrest criminals. It can be seen that the cardholders have put forward higher requirements for the public security organs to crack down on the high-tech bank card crime capability.
Prompt against caution
For bank card crime tricks, the people are unfamiliar and easy to be deceived. What tricks do criminals use to deceive the public? How should the public prevent fraud?
Listed below are the common means used by journalists in the public security organs to use bank card crimes by several criminals:
Hands on the ATM machine. Criminals usually use a self-made magnetic card to enter the ATM or electronic door of the bank. When the user inserts the card, the card number is automatically recorded. At the top of the ATM screen, a homemade secret camera is installed to record the password entered by the user. Some criminals will use special narrow strips, hooks, etc. to plug the cash outlet or the card slot, causing the illusion of swallowing, swallowing, etc., and enticing the user to call their customer service phone attached to the ATM machine. After the user calls, the other party will often wait for the opportunity to report the card number, mobile phone to lose the password, and then use the audio decoder that can decipher the phone button tone to steal the password.
The police reminded that when withdrawing money, try to go to the large-scale self-service bank in the bustling area of ​​the city. At the same time, pay attention to distinguish whether there is any suspicious device or advertisement on the ATM machine. Please pay attention to the hand when entering the password. If there is any trouble such as swallowing, swallowing, etc. Consult the customer service phone displayed on the screen.
Credit card sets are now available. Compared to debit card fraud, credit card cashing and card is a new form of bank card crime in recent years. Credit card withdrawals can only withdraw part of the cash and charge a fee of around 4%. As a result, some lawless elements took advantage of the opportunity to use the POS machine to swipe the card for the full withdrawal of the customer, and charged a fee of 1% - 2%. At the same time, some cardholders, because they are eager to collect credits and gifts for large credit cards, entrust the cash-backing company to help them raise the card. That is, the latter helps the former to swipe the card and pay back the money to accumulate credit. The former pays the latter a certain fee. Credit card cash is a trap for cardholders. Once caught in the vicious circle of “taking cards to raise cards†and “paying debts with debtsâ€, it will not only be an economic tragedy, but also fall into the abyss of illegal crimes.
The police suggested that the majority of credit card users must repay in full and on time, otherwise the bank will bear the full amount of interest and charge late fees, the amount is quite high. Once the loan principal of 10,000 yuan is reached, and if there is no return collection for three months, it will be sued by the bank and enter the judicial process. In serious cases, it may be detained.
Telecom fraud takes a password. This is a bank card crime method for telecom fraud, that is, criminals obtain user information through certain channels, and use special means to pretend to call the user's phone call, saying that their account has some problems, need to be processed, etc. . Users who receive calls will always call 114 or check the authenticity through the Internet. These phones are also public telephones of various departments, so it is easy to be deceived.
The police suggested that to deal with this kind of scam, don't call back the phone. You should consult the relevant functional department directly. Never disclose your personal account number and password.
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