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To account 500 yuan was cheated 30,000 alipay cash scam frequency now

via:北京商报     time:2021/10/18 8:06:40     readed:119

Online shopping fraud routines have been updated, Beijing Business Daily reporters found that around the e-commerce platform shopping, refund process, the use of Alipay cash to set a trap for new fraud signs again, jiangsu, Lanzhou, Inner Mongolia and many other places such cases, causing widespread concern. In addition to the need for the platform to strengthen risk cues, consumers' lack of financial knowledge is also one of the main reasons. It requires joint efforts from various parties to keep users' "money bags" well.

According to a typical case released by the Lanzhou Public Security Anti-fraud Center on Oct 17, victims received a call from the platform's "customer service" after shopping online for cosmetics, saying the products they bought had quality problems and they could receive free returns and 500 yuan in compensation. After that, "customer service" asked the user to check the 500 yuan in the alipay cash and withdraw the money. At the same time, the user said he should close the cash channel immediately after the withdrawal, otherwise the handling fee and interest will be deducted from his bank card every month.


Unidentified user is in finish after withdraw show, discover pay treasure arrives zhang 500 yuan, believed the other side thoroughly. After several communications, the user provided the "customer service" bank card number, verification code and other information to authenticate personal identity information, closing the channel of cash. Eventually, the 30,000 yuan balance in the card was transferred and the user reported it to the police.

The swindler disguised as a platform customer service, leading users step by step into the scam. In addition to the case of "500 yuan compensation" in Lanzhou, similar cases have occurred in Jiangsu and Inner Mongolia. In these scams, the fraudster uses various tricks to induce the user to provide key information such as the bank card number and verification code to deduct money from the user's account. For students without a stable income or savings, the fraudsters will even guide such users to borrow money on various financial platforms.

And in cheat flow, what let a user put down to guard against above all is pay treasure to zhang 500 yuan truly, this money is from where and come? In fact, petty cash is a kind of small, short-term loan product launched by Alipay, the maximum limit is 500 yuan, the loan term is 7 days, each use charge 1.99 yuan, the first use free.

In other words, the 500 yuan compensation mentioned by the "customer service" is actually a loan applied by the user. The fraudster is taking advantage of the psychology that some users do not understand the cash of Alipay, so that the user mistakenly thinks that the cash is the refund of the merchant and is deceived.

Beijing Business Daily reporter found that around the alipay petty cash fraud in 2021 between March and May have appeared, there have been many regional police issued risk tips.

To how to further guard against afore-mentioned scam, Beijing business daily reporter pays treasure respect to undertake understanding. Alipay warned users to be alert to scams such as "pretending to be a merchant refund" and "cancelling loan accounts". The funds should be used for personal consumption, but not for house purchase, mortgage repayment, investment and financial management.

October 17, Beijing Business daily reporter to pay treasure petty cash use process undertook experience. This product can be found by searching "petty cash" in Alipay App, and the risk is prompted by scrolling at the top of the page. At the same time, users need to authorize and agree to relevant agreements before using it.

After the user agrees to open and input the password, the page prompts the user is applying for a loan, and introduces the typical deception, emphasizing that "accidentally set up a member VIP" "online shopping goods out of the question" "express loss damage to you more than times compensation" are the recent typical fraud operation, if the user encountered the deception in the picture should stop borrowing.

Beijing business daily reporter clicks again "continue to borrow money" after, 500 yuan reaches him to pay treasure account immediately, inside reimbursement deadline, also can undertake reimbursement operation at any time.

"From the platform's point of view, it is the platform's obligation to provide users with detailed risk alerts when launching such new financial products. Let users fully understand what such products are, how to use, but also to a certain extent to avoid illegal elements to exploit loopholes. E-commerce and payment platforms also need to do a good job in protecting user data to avoid the leakage of user transaction information." Wang Peng, an assistant professor at Renmin University of China, pointed out.

In Wang's opinion, in addition to the platform's efforts, consumers should also establish a better sense of personal protection and safeguard their legitimate rights and interests. In online shopping goods, understand that the refund is used in the original road back to the time of payment account directly, the need for other operations, to profess to platform of customer service person, must through the trading platform of contact channel to verify their identity, just because the other side know name, date of purchase and detailed address, etc., of trusting each other.

Beijing Business Daily reporter Yue Pin-yu Liao Meng

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