Once upon a time, when I watched telecommunication fraud cases, I saw them on the Internet or on TV programs. And this telecommunication swindle happened to one of my acquaintances, a student sister.

0 statement

First of all, I gave my sister a pseudonym, "Xiao Wang". In the following, the real name of Xiao Wang is replaced. He is a graduate student. Because Xiaowang and I are not in the same place, the content described below is the whole process of sorting out the events when Xiaowang and I have ordinary voice call and wechat real-time voice chat.

As for the whole process of the matter, she said a mess. Under my repeated questioning, I asked for all the verification codes and SMS screenshots of the day. I had to log in on her Alipay account and four loan platform accounts to collect evidence. However, up to now, it is not only that some logic of the process is not clear, but also that the money can not be credited, because her bank card has not opened SMS reminder, no online banking, and she has not gone to the bank to check the transaction record of this card (I have suggested that she check it).

I'm not a lawyer. I'm not a law lover. I'm just Xiao Wang's senior. I'm unemployed at present. The industry I was engaged in before has nothing to do with the law. Therefore, if there is a legal loophole in the following writing, please kindly remind me not to spray. In addition, as mentioned above, the process of things is chaotic. Because there is no transaction record provided by the bank, there will inevitably be something wrong. Here I'm just talking about the process of fraud, not accounting statistics, so please don't spray, thank you.

I have helped Xiao Wang collect most of the evidence and sort it out. According to the sorted evidence, Xiao Wang has reported the case to GA organ. Why to report the case after sorting out is explained below.

The origin of things

In August 2018, Xiao Wang went home to have a look after finishing an experiment. After going home, I bought a pancake pan for my family. The delivery address is her home, and the recipient is her mother's name. After receiving the express, unpack the package on the spot in the express agency, and find that the built-in items have been damaged, so they are rejected on the spot. The day after returning the express, Wang's mother received a call.

The other side said: you lost your shopping in the middle of the way, let you see, you add me wechat. Xiao Wang took the call and added wechat. When adding wechat, Xiao Wang sees a hint: wechat of the other party is newly registered and beware of fraud. But Xiao Wang didn't care.

After adding wechat, the other party sent her order number, her mother's name and her home address. Xiao Wang logs in to tmall to check the order number and finds that what the other party sent is correct. Xiao Wang said, "you directly transferred the claim money to my Alipay, because it was bought by my Alipay. The other side said: this time the loss is too big, we need the company to settle the claim for me, we can settle the claim for you, if your sesame credit can't reach those, we can't pay in the past, so I'll give you a promotion of sesame credit, through the third-party platform

The other side then asked Xiao Wang to perform various operations. During this period, Xiao Wang was asked whether the bank card had opened a SMS reminder, whether the bank card had money, and so on. Xiao Wang has two Alipay accounts, one of which has a little money, and the other has no money. She uses loans such as the Alipay card with no money. Xiao Wang said that it was precisely because the Alipay and bank cards had no money that they were used to do what the cheaters wanted.

2. What happened

It happened on August 11, 2018. The following operations are conducted by the cheater or the cheater then sends the verification code to Xiao Wang, and Xiao Wang truthfully provides the cheater with sensitive information such as mobile phone number, ID card number, bank card number and mobile phone verification code.

At 16:42, register the financial account immediately with the financial Alipay service number, and then immediately check Xiao Wang's Sesame credit record. The cheater was transferred to Alipay's Alipay account at 16:51 at 16:51 on a small mobile phone that opened the flight mode and connected with WiFi, and sent WeChat to Xiao Wang at 16:53.

16: Between 49-17:20, open online express payment of postal savings bank online banking, and reset the password. After the password is reset, the green card online payment service is opened and paid. Then, there are two 1999.00 yuan payment SMS verification codes and one 199.00 yuan payment SMS verification code. Next, apply for China post consumer finance bank card binding.

17: 18. Apply for China post consumer finance loan. After receiving the message from the postal savings bank, the content is as follows:

[postal savings bank] your application has been submitted. Please check the application results later at Alipay service window or by ID card number. The temporary login password is APP * * * *. Please login and change your password in time. China post consumer finance.

17: 48. JD sent the verification code, without indicating the purpose. After testing, the verification code is the verification code short message when logging in the JD account from another place or using the SMS verification code to log in the JD account. The content of the verification code for other purposes of JD is different from this.

17: 56. Apply to open the express payment function of Baidu wallet of postal savings bank. Unsuccessful.

18: 23. Xiaomi sent Xiaomi loan verification code, with no purpose specified. 18: 25. Xiaomi loan inquires Xiaowang's Sesame credit record. 18: 38. Log in Xiaomi account. 18: 42. Xiaomi sent Xiaomi loan verification code, with no purpose indicated.

18: 40. Apply to open the express payment function of postal savings bank Jiefu Ruitong Co., Ltd. Then, receive 3