From PayPal take ious to cash, Beijing East, result sets himself-PayPal, Jingdong white, cash-IT information
Open Alipay, go to "take-out" window, locate the "Zhuzhou-" stone square "search store" and the world buffet style hot pot "Bullfrog with 10 orders, use Ant spent to pay 1000 Yuan, 20 minutes later to confirm receipt, to five-star home.
Seemingly mundane actions, is called a never to takeout, which can hide who wanted to use Ant to spend cash buyer and a provider of cash services group.
Upon confirmation of receipt? Buyers will confirm receipt of the screenshot to cash group, the other by PayPal transfer to the buyer of 900 Yuan and deducted 10% cash fees. Buyers are easily cashed 810 Yuan.
This is now a team describes the process of spending limit cash. Everything seems to be very simple, but is this really the case? At the corner of uncounted, populations are growing, can not open the credit card group; there was a pressing need of large sums of cash flow, credit card debt, mortgage payments to city workers. But in front of them tends to be another hoax.
"Roll" an introduction to pay 700 Yuan apprentice
"After the financial" is a 5 year old agency, has climbed up the team to the top of the pyramid, who received 5,000 apprentices, there is the Internet's largest lending group, is primarily cash and "blow hole" (jargon, is to help customers who need loans from microfinance platform lending money, lending also borrow the treasure platform).
"After the financial" reporter for the times-IT bet, even beginners, can earn a hundred thousand of each month.
6.6 Yuan is into he of apprentice group of started fee, into group yihou, master daily in group file in update of "cut", like not see levy letter Black households boilerplate of 17 a cut students loan cut and so on, content roughly is introduced latest appeared of small borrowing platform, update which platform has "died" without again roll, but absolute not released specific of operation technique and application conditions. Want to package cut, you need to learn from his "technique".
QQ Group, every two minutes someone came in @ main said, "master, today earn 30,000 a day, sent a red envelope to your PayPal, thank you! "" Message, and will give you money to call point, 40,000 teachers really badly to the operation of the line, thank you so much for doing this. "To be acting real, also attach one particle credits opening screenshot for SMS notification of success. But the continuingly ... ...
"After the financial" was given to think IT Times reporter with two choices: one is with his technology, 688 apprentice red envelope, package Ant flowers, Jing dong white, suning, capricious and a series of platform approach, and a financial one with 988 Yuan, for loans when credit card amounts. There is an option there to help his clients Commission he charges a cash handling fee is 10%, today market price generally has risen to around 15%, this 5% space is the description of your customer's Commission. "After the financial" to cooperation in order to prevent running for the first time by asking the Times reporter to pay 500 Yuan deposit IT.
On this team, even without direct cash, just teach crafts you can make money, but how many of such craft gold? The Times reporter found IT, complete with allegations of fraud and embedded Trojan, is now derived from outside and the other a dark industry chain.
In sets now team in main is divided into fuck disc hand, and intermediary, and fence people three class, fuck disc hand is responsible for looking for for trading sets now of businesses; intermediary is responsible for in the big QQ Group, and micro-letter group in the spread illegal sets now advertising, using part user deficiency money or corruption cheap of psychological, lure they bait; fence people is responsible for will online purchase of commodity fence get cash income. IT Times reporter joined the two spend cash defrauded victims group, two groups of nearly 750 people, everyone announced that she had been cheated of the amount, at least 500, more than 50,000, deceived a total amount of nearly a million.
Scam: the ants take cash payment being black
Routine generally, there are two kinds of victims of deception: on Taobao shop after payment is being black did not receive cash back; in public comments from crooks and other "shops" after payment is being pulled on black, received no cash back.
2015 public awareness of network security report revealed that 55% per cent of Internet users have experienced online fraud, only 12.35% are reported to the police in a timely manner. In fact, typical cash cheat is not reported. Hanging in the two groups of groups files report registration form, and pay negotiations statement of the recording, of being cheated, and so on, but most people realize that cashing in itself in conflict with the law, rarely reported, ants spend and borrow debt drag more and more, and almost no one loss can be recovered.
Line of loan scam two particles, but is a fake account
Mixed group or a group of people with "strong open micro loan" "increase take line" banner, such as obtaining property by deception, is hawking particles all over the screen credits, suning wayward account advertising, 50,000 loans amount of particles account to sell 1200, suning wayward paid the price.
When the Times reporter to sell people about IT when the operation mode, the other Airily replied: "very easy! I'll give you password you bind your own ID cards and bank cards can take out the money. ”
However, he did not emphasize is that you have to pay to get an account. Several injured group of friend reflected to reporters, they received by payment after the success of a "1069" information from short numbers beginning with: "QQ in your phone to apply for 50000 Yuan loan of particles has been successfully issued, collection card ABC xxx is expected to arrive within 15 minutes. "However, when holding account after logging in, will either find suning wayward account does not exist, or opening a no particle micro-loan signals. In fact, micro-statement made by the letter recently, all with strong open particles credits, increasing particle line of credit for the name is deception. Therefore, reminded everyone: "buy bait, payments will eat."
Scam three sets of reality as Trojan, and ransacked
Under the relatively clever tricks, victims tend to click on links to Trojans from Crooks, in the course of operation, the other victim's PayPal account and password in the Pocket.
A female student complained to reporters fresh soon experience of being cheated, in networks of virtual products and sets at present, under the guidance of her in liar's flower consumption 3500, through Trojan links login PayPal account and borrow loans of 50,000 yuan. When she next morning react, PayPal customer service inquiries, customer account has been frozen, the transaction last night were unsuccessful. A few days later and was told after a total arrears 53500, meaning that both deals are successful and accounts were multiple remote login and consumption of more than 50,000 yuan, until then she did not remember the alarm. So, she questioned the two: why tens of thousands of Yuan of consumption and transfer SMS reminders? PayPal customer service confirmed accounts frozen PayPal transaction failed causing her alarm delay time to recover their losses, whether PayPal should take responsibility?
IT Times reporter on thing to Ant spent chant aspects understand, other said, user paid treasure account was stolen brush to points two species situation, if user account was through hit library, way stolen brush words, as long as user can provides evidence proved, paid treasure will for lost pay; but above this event in the belongs to user active to cheats leaked has account and password, and customer service whether confirmed errors also needed further survey.
Loopholes in the law? Borrow, particle data credit loan without written authorization
In addition to flowers, ants take credit limit is high and particles which are at about 200,000 yuan.
Ants take the opening process is very convenient, in the PayPal account of the real-name authentication case, opened by only one payment password is required, once the money, Alipay will be reminded via text message. From the opening to send borrowing to balance, the whole process without a couple of minutes. After the balance of this loan into the only withdrawals to your bank card, but if the other side has your Alipay account number, password and payment password, will be able to spend, this is dangerous!
And by comparison, micro-particles of loan application for more than a few steps, you need to correctly complete the names and identity cards of four, and then enter the payment password and authentication code can be applied for, issued within a few hours after application, particle credit customer service will call to confirm if I applied for a loan, only after the confirmation of loan will be sent to the user's bank card. That is, the cheat only if you get the payment password, ID cards, mobile phones, as well as verification code is case, particles that may steal your credit.
But I need to explain is that ants take after the opening of closed entrances, but micro-particles credits have not closed the entrance. Compared to banks, borrow and particulate credits launches simplified credit during this process, no longer need to sign a written authorization, and chant in borrow page shows the credit book, particles lend more discreet, over borrowing and default as soon as credit, will direct "loan approval" query on behalf of a personal credit record. So a user reported his query particles after the loan amount, affecting mortgage applications banks had a loan application prior to calling to ask why query is not a loan is refused by other banks, then went to the Bank to apply for a mortgage you need to provide a high level of earnings.
From enlisted status letter angle for, Ant take chant to electric business and class financial behavior data mainly, particles loan to social class behavior data mainly, these based on user behavior of big data based than traditional Bank of levy letter dimension degrees more complex, but away from perfect of wind control mechanism also is far, Bank Department and Internet Department hard from single dimension degrees to inferred is excellent is bad, to last also is security and convenience of a weigh.
Cash not to set can be set
Provision of ants in a flower, Beijing East emblazoned with suning wayward pays cash QQ Group, only an administrator can publish the latest information in the group, members of the group in 2000. When the Times reporter and the IT group in the "two-headed" private chat, sent each other channels process and price, United States, Baidu glutinous rice and other platforms can be "seconds" fast money, but every day there are limits, fees are 10%; CAT Taobao in the money after receiving basic, fees are 12%. Appear in the price list of Beijing suning Eastern white and headstrong, and cat Taobao spent process similar to fee is 15%.
But, in fact, Jingdong ious to cash is not easy, because most white goods purchased Jingdong belongs to the Jingdong self, Jingdong logistics is built, so the buyer can only be hard to buy things on the East, and shipped to the team, after 1-2 days after the arrival of logistics, team will return less charges set now. But for the sets of teams, two times a backlog of goods on hand, cost is very high.
Jing dong, and buy several iPhone and suddenly change the shipping address, the system will be issued a warning once judged accounts stolen, or at risk, pay freezes white features.
Now cash in Jingdong white team are doing at present, will carefully explain sentence: "eviscerated if new cannot be cashed immediately, it is best to use Jingdong ious to buy some daily necessities such as, don't buy large mobile phone. ”
There are many cash team shop on Taobao, through membership, trading card games and other virtual products, buyers and sellers to avoid tracing in Mong Kok, Mong Kok on designing a "script":
"In? I just accidentally take the wrong card, can I refund? ”
"Yes, Pro! Your order number is xxx, determines this not right? That requires fees, return to your 900 Yuan. ”
"Yes, my PayPal account is xxx. "" Well wait, I will get you a refund. ”
In this regard, Alipay has designed dozens of anti-fraud risk models.
A female user of Huanggang, Hubei, usually to buy clothing and accessories online, suddenly one day bought 5000 of card games, and was purchased at a newly opened Taobao shop. When you enter the payment password, PayPal's air control system to determine the transaction risk, temporarily blocked the deal, subsequent manual give the women to call, suggesting that there may be a cash fraud risk. User says is being remote controlled computer, but ants flowers blocked the scam. As of now, being Ant-gold service clean up of businesses suspected of cashing nearly million.
想从支付宝花呗、京东白条套现，结果套住了自己 - 支付宝,京东白条,套现 - IT资讯
打开支付宝，进入“外卖”窗口，定位到“株洲”-“响石广场”，搜索店铺“和天下自助时尚火锅”，点10份牛蛙下单，用蚂蚁花呗支付1000元，20分钟后确认收货，给五星好评。
看似平常的动作，叫的却是一份永远都不会送到的外卖，里面可能隐藏了一位想用蚂蚁花呗套现的买家和一个提供套现服务的团伙。
确认收货后发生什么？买家将确认收货的截图发给套现团伙，对方用支付宝转给买家900元，同时扣除10%的套现手续费。买家轻松套现810元。
这是套现团队口中描述的花呗额度套现的过程。一切似乎很简单，但事实真是如此吗？在无法统计的角落，套现的人群正不断壮大，有开不了信用卡的学生群体；有急需大笔资金周转的，还卡债、还房贷的城市打工族。但摆在他们面前的往往是一场又一场的骗局。
学“撸口子”攻略 先交700元拜师费
“后海金融”是干了5年的老中介，已经爬上团队金字塔的顶端，自称收了5000名徒弟，背后是互联网上最庞大的放贷集团，业务主要是套现和“撸口子”（行话，就是帮需要借贷的客户从小额贷款平台贷出钱来，也通过借贷宝等平台进行放贷）。
“后海金融”对《IT时报》记者打包票，即使是新手，每个月都可以赚到十几万。
6.6元是进入他的徒弟群的入门费，进群以后，师父每天在群文件里更新的“口子”，比如《不看征信黑户下款的17个口子》《大学生贷款口子》等等，内容大致就是介绍最新出现的小额借贷平台，更新哪些平台已经“死去”不用再撸，但绝对不会放出具体的操作手法和申请条件。想包下口子，就需要跟他学“技术”。
在QQ群里，每隔一两分钟就会有人进来@群主说：“师傅，今天一天就赚了3万，给您支付宝发了个红包，非常感谢！”“来短信了，一会钱到了就给你把点位打过去，老师真厉害给操作了4万的额度，真是太感谢了。”为了力求演技真实，还会附上一张微粒贷开通成功的短信通知截图。但真假难辨……
“后海金融”给了想学艺的《IT时报》记者两个选择：一是跟他学技术，发一个688元拜师红包，包学蚂蚁花呗、京东白条、苏宁任性付等一系列平台的套现手法，再送一台988元的金融一体机，用于办贷款信用卡时提额。还有一个选择是帮他介绍客户提佣，他收取的套现手续费是10%，如今市场价普遍已经涨到15%左右，而这5%的空间就是介绍客户的佣金。“后海金融”还以第一次合作为了防止跑单情况为由，要求《IT时报》记者缴纳500元的押金。
在这样的团队，即便不直接套现，光是传授手艺也能赚钱，但这样的手艺有多少含金量？《IT时报》记者发现，其中充斥的欺诈、植入木马，是套现之外衍生的另一条黑色产业链。
在套现团队里主要分为操盘手、中介、销赃人三类，操盘手负责寻找进行交易套现的商家；中介负责在各大QQ群、微信群中散布非法套现广告，利用部分用户缺钱或者贪小便宜的心理，引诱他们上钩；销赃人负责将网上购买的商品销赃获得现金收入。《IT时报》记者加入了两个因为花呗套现被骗的受害者群，两个群的人数将近750人，每个人都公布了自己受骗的金额，少则500，多则5万，被骗的总金额将近百万元。
骗局：蚂蚁花呗套现，付款后反被拉黑
受害者受骗的套路大致有两种：在淘宝上买东西付款后被对方拉黑，没有收到返现；在骗子发来的大众点评等“黑店”上付款后被对方拉黑，没有收到返现。
《2015年公众网络安全意识报告》披露，55%的网民曾遭遇网络诈骗，及时向警方报案的只有12.35%。其实，套现被骗就是不报案的典型。两个群的群文件里都挂着报案登记表、与支付宝交涉的录音、受骗过程的陈述等等，但是大多数人意识到套现行为本身触犯法律，鲜少进行报案的，蚂蚁花呗和借呗的欠款越拖越多，也几乎没有人能够将损失追回。
骗局二 买微粒贷贷款额度，却是假账号
混杂在套现群里的还有一群人打着“强开微粒贷”“提高借呗额度”等旗号行骗，满屏都是叫卖微粒贷、苏宁任性付账号的广告，5万贷款额度的微粒贷账号要卖1200元，跟苏宁任性付的价格一样。
当《IT时报》记者向叫卖人打听操作方式时，对方轻描淡写地回答道：“很简单啊！我给你账号密码，你绑定自己的身份证和银行卡就可以把钱借出来了。”
但是，他没有强调的是，你一定要先付款才能拿到账号。有几位受害的群友向记者反映，他们支付成功后就先收到了一个“1069”开头的短号码发来的信息：“您在手机QQ申请的微粒贷50000元已成功发放，收款卡农业银行xxx，预计15分钟内到账。”但是，当拿着账号登录后，要么发现苏宁任性付账号根本不存在，要么就是一个根本没有开通微粒贷的微信号。其实，微信在最近就发过声明表示，一切以强开微粒贷、提高微粒贷额度为名的行为都是骗术。所以，提醒大家一句话：“买号即上当，付款必吃土”。
骗局三 名为套现实为木马，借呗被洗劫一空
在相对高明的骗术下，受骗者往往点击了骗子发来的木马链接，在操作过程中，对方将受骗者的支付宝账号和密码收入囊中。
一位刚工作不久的女生向记者哭诉了被骗的经历，在网购虚拟产品并套现时，她在骗子的引导下用花呗消费了3500元，又通过木马链接登录了支付宝账号并用借呗贷了5万元。当她第二天一早反应过来，打支付宝客服询问，客服表示账户已经冻结，昨晚的交易记录均未成功。过了几天后又被告知共欠款53500元，也就是说这两笔交易都是成功的，而且账号被多次异地登录并消费了5万多元，直到这时她才想起报警。于是，她就两点提出了质疑：为什么几万元的消费及转账没有短信提醒？支付宝客服证实账户冻结支付宝交易未成功导致她报警延迟，来不及追回损失，支付宝是否应该担责？
《IT时报》记者就此事向蚂蚁花呗方面了解，对方表示，用户支付宝账户被盗刷要分两种情况，如果用户账户被通过撞库等方式盗刷的话，只要用户能够提供证据证明，支付宝都会进行赔付；但是上述这个事件中属于用户主动向骗子泄露了账号和密码，而客服是否确认有误还需进一步调查。
漏洞？借呗、微粒贷大数据征信无需书面授权
除花呗，蚂蚁借呗和微粒贷额度很高，基本都在20万元左右。
蚂蚁借呗的开通流程十分便捷，在支付宝账号实名认证过的情况下，开通借呗只需要一个支付密码，一旦借钱，支付宝都会通过短信提醒。从开通到借款发送到余额，整个过程不用几分钟。这笔借款进入到余额后，只能提现到自己的银行卡，但如果对方掌握了你的支付宝账号、密码及支付密码，就可以进行消费，这就危险了！
和借呗比较，微信微粒贷的申请多了几个步骤，需要正确补全姓名和身份证后四位，再输入支付密码和验证码才能申请，发出申请后几个小时内，微粒贷客服还会打电话来确认是否本人申请了借款，确认无误后才会将借款发送到用户绑定的银行卡内。也就是说，骗子只有在拿到了你的支付密码、身份证、手机以及验证码的情况下，才有可能盗取你的微粒贷。
但需要说明的是，蚂蚁借呗开通后有关闭入口，但是微信微粒贷暂时没有关闭入口。跟银行相比，借呗和微粒贷在开通时都简化了授信这个过程，不再需要签署书面的授权，借呗在借款页面展示了授信书，微粒贷更为隐蔽，只要一旦查看过借款额度后就默认授信，就会直接以“贷款审批”的名义查询个人征信记录。所以有用户反映说，自己在查询微粒贷贷款额度后，影响了房贷的申请，银行打电话来询问为何之前有过一次贷款申请查询，是不是个贷被其他银行拒过，接着去银行申请房贷就需要提供很高的收入证明。
从征信角度来说，蚂蚁借呗以电商和类金融行为数据为主，微粒贷以社交类行为数据为主，这些基于用户行为的大数据基础比传统银行的征信维度更为复杂，但离完善的风控机制还很远，银行系和互联网系很难从单一维度去推断孰优孰劣，到最后还是安全和便利的一种权衡。
套现不是想套就能套
在一个提供蚂蚁花呗、京东白条、苏宁任性付套现的QQ群里，只有管理员可以在群里发布最新的套现信息，群里有2000位成员。当《IT时报》记者与群里的“二当家”私聊，对方发来了各个套现渠道的流程和价目表，美团、百度糯米等平台都可以“秒”速拿钱，但每天有限额，手续费是10%；天猫淘宝基本都要在收货后拿钱，手续费是12%。出现在价目表上的还有京东白条和苏宁任性付，和天猫淘宝套花呗的流程相似，手续费都是15%。
但，实际上，用京东白条套现并不容易，因为用京东白条购买的商品大多属于京东自营，物流是京东自建的，所以买家只能实打实地去京东上买东西，发货给套现团队，经过1到2天物流到货后，套现团队才会扣除手续费返现。但对于套现团队来说，积压在手上的货品还要二次变现，成本很高。
在京东，同时购买几台iPhone、送货地址突然改变，系统都会发出预警，一旦被判断账户被盗或存在风险，就会冻结白条支付功能。
现在套现团队在做京东白条套现时，都会谨慎地交代一句：“白条如果是新开通的不能马上套现，最好先用京东白条去买一些日用品之类的，不要光买大额的手机。”
还有不少套现团队在淘宝上开店，通过会员卡、游戏点卡等虚拟产品进行交易，买卖双方为躲避追查会在旺旺上设计一套“剧本”：
“在吗？我刚刚不小心拍错了点卡，可以帮我退款吗？”
“可以的，亲！您的订单号是xxx，确定这单不要了是吧？那需要扣除费用，返您900元。”
“是的，我的支付宝账号是xxx。”“好的稍等，马上给您安排退款。”
对此，支付宝设计了数十个反欺诈套现风控模型。
湖北黄冈的一名女性用户，平时在网上买衣服和化妆品，某天突然购买了5000元的游戏点卡，而且是在一家刚开张不久的淘宝店铺购入。在输入支付密码时，支付宝的风控系统判断这个交易存在风险，暂时拦截这次交易，随后人工给这位女性用户打去电话，提示可能存在套现诈骗风险。用户表示，是被人远程控制了电脑，好在蚂蚁花呗阻断了这场骗局。截至目前，被蚂蚁金服清理的涉嫌套现的商家有近万家。