On January 18 this year, Ms. Su, a citizen of Xiamen, reported to the public security organ that the funds of 3.77 million yuan in her account were transferred by fraudsters. The investigation by the public security organs found that the fraudsters eventually transferred and cashed the account funds through a third-party payment platform.
Police investigators said that some third-party payment platforms are becoming a "green channel" for telecom fraud gangs to take and bleach illegal funds.
The money was transferred to a third-party payment platform, and the flow of funds was checked in more than one month.
Unlike previous telecom fraud gangs that split and transfer money through multiple bank accounts, in the fraud case of Ms. Su, a citizen of Xiamen, there was a new way for fraudsters to transfer huge amounts of money.
The police investigators said that the fraudsters pretended to be the investigators of the public prosecution law, and Ms. Su’s “bank card account was suspected of money laundering and needed to deposit funds into a secure account for review at any timeâ€, swindling her to open a mobile banking account and transfer all funds The account. Subsequently, the fraudsters use the Trojan virus to steal their account information and mobile phone dynamic verification code, and transfer the account funds through the third-party payment platform.
“The fraudsters split the funds of 3.77 million yuan into four online bank accounts, and then use these accounts to transfer funds to a number of third-party payment platforms. The investigation by the public security organs was blocked.†The Sixth Brigade of the Criminal Investigation Detachment of the Xiamen Public Security Bureau Captain Chen Xinglu said.
The investigation found that the third-party payment platform for fraudulent transfer of funds is headquartered in Shenzhen, Shanghai and other places. It is necessary to check the accounts involved, transaction information, and capital flow, etc., through the headquarters. Chen Xinglu said: "The door-to-door inquiry found that these third-party payment platforms were heavily used by fraudsters to transfer funds, and cases were frequent. Many public security agencies issued assistance requests for enquiries. Due to the large number of cases, they need to be paid by third parties. Platform queuing queries often miss the best time to investigate."
Until the end of February, the third-party payment platform involved in the case reported the information about the account involved and the flow of funds to the Xiamen Public Security Bureau. Chen Xinglu said: "The fraudsters have transferred funds between third-party payment accounts and bank accounts multiple times, and have already withdrawn cash from overseas for more than a month."
Third-party payment platform management is confusing, and supervision needs to be strengthened
Many local police investigators said that more and more fraudsters are transferring money through third-party payment platforms. “From January to March last year, fraudulent use of third-party payment platforms to transfer levy cases accounted for 38.6% of fraud alarms, and from October last year to February this year, the proportion reached 68.9%.†Xiamen Anti-fraud Center The person in charge, Hu Jianyue, said.
In Longyan Xinluo District, which is listed as the key regional rectification of regional professional telecommunications fraud crimes in Zhangzhou, Fujian Province, more than half of the telecom fraud cases have flowed to third-party payment platforms.
"The use of third-party payment platforms to transfer money is varied." According to the person in charge of the relevant parties, the fraudsters use the third-party payment platform to use the funds in the victim's account to shop on the online shopping platform, and then pass the purchased goods through the recycling mall. Money laundering cash; or transfer funds between the third-party payment platform and the bank account multiple times, and finally cash out at the bank ATM machine; or transfer the money to the third-party payment company-bound POS machine by online bank transfer Cash out.
The investigation found that some third-party payment platforms are confusing in management. In order to expand the market, the account and transaction real-name system are not implemented, and the POS machine is spammed. The construction of individual third-party payment platform network systems is seriously lagging, and it is impossible to query the platform for accurate transaction information, merchants and traders. Identity, these are all opportunities for fraudsters.
In recent years, the central bank has repeatedly issued documents to regulate third-party payment platforms, including requiring third-party payment institutions to establish and improve customer identification mechanisms, adopt effective anti-money laundering measures, and limit payment and transfer amounts.
Many investigators said that after the Xu Yuyu case occurred last year, the Ministry of Public Security, the Central Bank, and the China Banking Regulatory Commission issued a number of measures, including the implementation of the real name system of bank cards, delays in transferring ATM machines to non-personal accounts, and the establishment of telecommunications by banks and public security organs. The rapid disposition mechanism of fraud and police, the rapid inquiry, the freezing of the funds involved, the return of the frozen funds involved in the case, etc., the number of fraudulent elements transferred through multi-level banks showed a downward trend.
However, at present, some third-party payment platforms do not implement strict account real-name system, and the amount of transfer of fraudulent gangs to third-party payment platforms through bank cards is not limited.
"It should be changed that individual third-party payment institutions should only consider expanding the market to ignore the trend of security, strengthen supervision, and force them to fulfill their supervisory responsibilities through the accountability mechanism. For those who do not implement account and transaction real-name system, spam POS machines, etc. The supervisory department should seriously investigate and deal with it," said Zeng Ling, a lawyer at Xiamen Qinxian Law Firm.
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