“【 ×× [bank] we have prepared a 400000 loan for you. Please check it. Unsubscribe back to T. " When you feel that this kind of SMS is very annoying, so you go back to "t" to unsubscribe, unexpectedly, more "bank bombing SMS" arrive at your mobile phone! Do you know why? The above "bank loan SMS" is just a kind of SMS harassment in the "bombing" mode.
Ms. Li, who runs a small household appliance shop, suffered the loss of real gold and silver because she clicked on a short message link on her mobile phone: under the various "guidance" of criminals, she unexpectedly lent nearly 400000 to the bank unconsciously.
This pattern encountered by Ms. Li may be difficult for people with rich anti fraud experience or social experience to guard against. Because at the beginning, Ms. Li really received a 500 yuan "petty cash" refunded due to the so-called "express loss".
Then, if someone wants to rely on this to cheat the liar's "reserve fund", does the liar suffer heavy losses? Then you think too much. The swindler's operation means are very clever, which makes it impossible to prevent: the reserve fund is an online lending product. The money in it is not transferred by the swindler, but borrowed from the network platform with the victim's identity information!
Why are all kinds of information in the name of banks, small loan companies and Internet enterprises "delivered" to our mobile phones from time to time? Who leaked our information? And who is sending us the message?
So many "banks" asked me for loans, but I didn't expect that it was the beginning of the disaster
Frequently receive "bank" loan SMS
Ms. Wang, who lives in a small town, has many messages sent by network virtual numbers on her mobile message page, including 10 under the banner of XX bank, with [XX bank] label on the front end, occasionally mixed with information on financial management and stock speculation.
Click on one of the messages sent by a so-called "commercial bank", which reads:
"2022 has a good start. Our bank can grant you 480000 yuan, which can be used for daily expenses, architectural decoration and business emergency. Check the interest rate, reply 1, apply back 2 and return t to unsubscribe."
The content of other SMS messages is similar. The bank names on the front end of the information are changed from one bank to another, with credit lines of tens of thousands, hundreds of thousands and hundreds of thousands. Most of them are used for consumption, decoration and business turnover.
Ms. Wang didn't really care at first, until one day, she tried to unsubscribe by replying to t according to the text message.
However, after replying to the unsubscribe message, her mobile phone was not "quiet", and soon received multiple text messages with links.
This time, it is labeled as the so-called "Agricultural Bank". One of the messages reads "Agricultural Bank of China, your interest return has been received, please rest assured to use". A jump link is attached at the end of the message.
The link in this "Agricultural Bank of China" message, Ms. Wang went in out of curiosity, but found that two of the links point to the app for downloading "agricultural credit" and "agricultural express loan" respectively.
The two app icons carry the logo of the bank. After clicking in, Ms. Wang found that although the app names and logos are different, the interface after entering the app is the same - both point to the loan of "Nong bank". But this is obviously not a formal bank app.
Then, Ms. Wang dialed the customer service number and got the reply that it was not a text message sent by the bank, and reminded the two apps that they were not official. Don't click the link in the text message.
Every time, the reporter asked the customer service staff through a commercial bank app with the above-mentioned SMS content of the so-called bank to inquire whether the loan can be applied for. After checking the number of sending and receiving text messages, it was also denied by the customer service personnel, and suggested that we should be vigilant and not reply to strange text messages or click strange links at will.
Customer service said: "if you want a loan, it is recommended that you apply through the official channels of our bank. If it is a decoration loan, you can directly consult the customer manager of the housing loan to see if the corresponding decoration loan has been developed."
In addition to the above-mentioned banks, there are loan SMS sent in the name of several banks such as ICBC bank and Huamou bank. Although Ms. Wang chose to unsubscribe, she was still receiving a loan message from the "bank".
After clicking the text message, she lost 400000 yuan
With the development of mobile Internet, all kinds of commercial SMS and telephone "bombing" have become common, which provides an opportunity for fraud information mixed with all kinds of spam SMS and harassing phones.
If it is said that being harassed by "bank" loan SMS every day has made people almost crazy, the people who have lost hundreds of thousands may really feel that the sky is falling.
Ms. Li has one of the parents who need to support her children. Ms. Li was instructed by criminals to "refund" because she received the lost SMS and phone calls from the express, clicked the SMS link, and then used various loan products step by step. Finally, she was cheated to approach 400000 yuan.
Facing the reporter, Ms. Li was very excited. We pieced together the general course from her confused words.
Ms. Li, who lives in a third tier city, runs a small household appliance shop. She has two children who go to high school and junior high school respectively. She has a heavy burden on children's education and family.
Ms. Li told reporters on the phone that she didn't believe the text message to give her a refund, but later "platform customer service" called her and said that the personal information was completely correct.
She just wanted to get her own refund. According to the statement of "platform customer service", Ms. Li opened the "reserve fund" link given by "platform customer service" and got 500 yuan of "reserve fund". Ms. Li wondered how she returned so much money when she bought only 40 yuan of goods.
"Oh, you're wrong. I have to cancel your account for you, or there will be thousands of dollars a month." "Platform customer service" told Ms. Li that she would cancel her account according to the instructions.
Ms. Li was so anxious that she just wanted to "Cancel" the account that would incur high expenses. Therefore, she listened to the statement of the "platform customer service" and downloaded a chat app.
"After opening the chat software, my mobile screen is shared with them. He can see the information on my screen in real time and quickly master my verification code." Ms. Li told reporters, "they asked me to enter the verification code and said that the bank flow should be done for the cancellation of the account. The flow is not enough and can not be cancelled."
Ms. Li followed the words of "platform customer service" and did the so-called "bank flow"
"You open your bank app and click the XX loan. The time is only three minutes. It needs to be fast. You can complete the operation according to what I said, otherwise you can't cancel your account." "Platform customer service" gave Ms. Li a step-by-step instruction.
In Ms. Li's complaint, there was no one else around her at that time, and she just wanted to cancel the account that would generate thousands of dollars a month. In order to avoid being perceived as fraud by bank lending personnel, "platform customer service" also asked Ms. Li to say to the bank's pre loan audit personnel that the money was used for consumption on the grounds of "competitive relationship".
"Platform customer service" instructed her to operate the loan while reporting her bank card number and asked her to transfer the loan money.
In this way, the "platform customer service" repeatedly asked Ms. Li to make loans, transfer funds and do running water on the grounds of Ms. Li's "wrong operation" and "wrong information input".
"Finally, I really have no place to borrow money, but I still need 20000 yuan of water, so I'll borrow it." Ms. Li called her relatives, who came to her home and finally saw through the scam and called the police.
It is worth mentioning that Beihai Public Security Bureau once issued a document to remind:
The petty cash is an online lending product. The money in it is not transferred to you by the swindler, but lent to you by the online lending platform. Those who claim to transfer the refund to the petty cash are all telecom network fraud [1]
Applying for etc was cheated out of 13000
Shanzhai "national medical insurance bureau" also easily brushed away 10000 yuan
There are many kinds of fraudulent text messages, which are often impossible to prevent. At present, in addition to the SMS of "bank loan", there are fraudulent SMS such as "high-speed etc" and "medical insurance electronic account is blocked".
Every reporter learned that in recent years, the state has made every effort to crack down on Telecom fraud, and local public security has also taken a variety of methods to crack down, among which Shenzhen public security is ahead. To this end, the reporter specially invited the anti fraud center of Shenzhen Public Security Bureau to uncover the fog of SMS fraud for us
It is reported that the anti fraud center of Shenzhen Public Security Bureau, together with the communication and Management Bureau and the three operators, has established a technical anti fraud mechanism to push the fraud related SMS and the fraud links contained in the SMS to relevant departments for interception and blocking; At the same time, in view of the high incidence of etc short message fraud cases in the early stage, the anti fraud center of Shenzhen Public Security Bureau cooperated with etc Shenzhen Branch to carry out early warning and accurate publicity for Shenzhen etc users.
In an interview with reporters, the anti fraud center of Shenzhen Public Security Bureau also shared two cases to further improve the vigilance and discrimination of the general public.
● case 1
On March 22 this year, Xiao Chen (a pseudonym) applied for etc in the city service of mobile wechat. In the following days, Xiao Chen's mobile phone received a strange text message, which showed that etc asked for supplementary information. At that time, Xiao Chen ignored it. Until Xiao Chen activates etc and inserts the etc card into the car, the card slot indicates that it does not match its license plate information.
So Xiao Chen thought of the text message he had received before and wondered if it was caused by the lack of supplementary registration information at that time?
Xiao Chen opens the strange text message he received before, clicks the link above the text message, and then goes in to a page displaying "China etc", which prompts him to enter the license plate number and bind the bank card information. Xiao Chen fills in his own information according to the above steps, and enters the license plate number, bank card number and payment password.
While waiting for the verification results, Xiao Chen's mobile phone received three deduction messages, and a total of 13000 yuan was deducted from the bank card.
Xiao Chen saw the deduction details, which showed that the other party's name was "wemart", the transaction type was POS consumption, and the transaction channel was POS machine. Only then did he realize that this was a lie, so he went to the police station to call the police.
The anti fraud center of Shenzhen Public Security Bureau reminds the masses: beware of etc short message fraud. All short messages that say etc is expired, invalid or cancelled may be fraud, and those that push etc business network links in short messages are fraud. Remember not to click on network links! Do not enter personal information! In case of doubt, it must be confirmed through the official telephone number of etc 96533.
● case 2
Citizen Xiao Ling (a pseudonym) received a text message from the "Health Commission": "your electronic account has been closed. Please open www. . Com in time to complete the recovery".
Without much thought, Xiao Ling immediately clicked on the link and entered a website of the "National Medical Security Bureau". Xiaoling entered her bank card information according to the relevant prompts and received two verification codes in succession. Without thinking about it, she entered the verification codes respectively according to the prompts.
A few minutes later, Xiaoling received a deduction message from the bank, and the 10000 yuan cash in her card disappeared. Panicked Xiaoling immediately came to the police station to report to the police and confirm that she had encountered a "medical insurance scam". At present, the case is being further handled.
No one makes a phone call, no one makes a video, just click a link, enter a few information, and the money will be transferred away. This is the routine of "SMS fraud". Because the website in the link contains trojan virus, if you enter relevant information according to the prompt, it may lead to the theft of bank cards and medical insurance accounts.
The anti fraud center of Shenzhen Public Security Bureau reminds the masses: do not click on the link when receiving unknown SMS, and do not fill in personal information such as bank card, so as to avoid being cheated!
One million text messages only cost 45000 yuan
Privacy is an invisible thing that everyone wants to protect. However, in the Internet era, personal information leakage occurs frequently. Those who are leaked face the risk of financial loss, while those who master the information earn a lot. Zhao, who is engaged in the mass messaging industry, is a member of the profit.
On Zhao's mass messaging website, you can clearly see all kinds of mass messaging services. Financial SMS, marketing SMS, side door SMS... As long as there is demand, there is no SMS that Zhao can't send.
"Do you want to send a group message to introduce your business?" Under Zhao's setting, the website doesn't need customers to find it by themselves. As long as you open the web page, the dialog box will automatically pop out for the promotion of SMS business.
After the reporter indicated his intention to Zhao as a customer who wanted to send mass SMS business, Zhao gave the reporter a contact information and asked the reporter to add friends to contact.
"The price is stepped. How much do you need to send?" Zhao has been very skilled in how to introduce business to new customers. After learning that the reporter wanted to send 1 million financial loan messages, he happily made an offer.
It is worth noting that after the reporter reported the demand for sending loan SMS, the other party gave an offer.
"10000 pieces are the unit price of 5 points and 5 points. There is a large discount. Send 1 million pieces to you to calculate the unit price of 4 points and 5 points."
According to this calculation, send 1 million financial loan SMS, with a total price of 45000 yuan. In addition, you can send MMS, which is more expensive.
"There are no restrictions on the content. You can bring links." The reporter learned from Zhao that the speed of sending text messages is very fast. 100000 text messages can be sent at a time, and the status of text messages can be seen after sending. If the message is sent successfully, it will be charged, and if it fails, it will not be charged.
"I can sort out the SMS status and send it to you, or you can log in to the background and check it yourself." However, when the reporter later asked about the sending effect, that is, the click through rate of these SMS contents or links, Zhao told the reporter: "only the customers know the click. They won't tell us specifically, but the effect is good. Some customers send it for a long time."
No library? No problem, the platform provides!
Mass texting is nothing new, but building a mobile phone number database is the key.
The next statement of the platform surprised reporters. Because the argument is that if there is no database, you can pay for the data provided by the platform.
Zhao told reporters that the data brought by the customer (i.e. the target mobile phone number) can be used for sending. If the customer has no data, he can also send it on behalf of the customer and "fidelity".
According to the reporter's understanding, the price of self carrying data is different from that issued by the platform. The total price of 10000 pieces of data issued by Zhao is 700 yuan, and the price of 1 million pieces of data issued by Zhao is 70000 yuan.
In order to understand the source of data (i.e. mobile phone number) of this kind of SMS generation platform where Zhao is located, the reporter said, "how can your mobile phone number be true? Where do you get so many?" When questioned, Zhao answered vaguely, saying: "we have a database over there, which can sort out and screen a batch of data for you and send text messages, or you can use yours if you have any."
The reporter noted that the website said that this mass messaging platform belongs to a network technology Co., Ltd. in Hebei. An enterprise information query platform shows that the company's business scope includes network technology development, technology promotion and technical services; R & D and sales of computer software and hardware and peripheral auxiliary equipment.
In addition, the enterprise was listed in the list of abnormal operations by the "market supervision and Administration Bureau of Yuhua District, Shijiazhuang City, Hebei Province" in August 2019 due to "unable to contact through the registered residence or business place". However, apply for removal in June 2020.
In the annual report disclosed by the national enterprise credit information publicity system, the reporter found the contact number of the company and then consulted as a customer. After hearing the reporter's inquiry about whether there is no number library to help send bank loan SMS business, he got a positive reply from the other party.
It is worth mentioning that the official website of the SMS generation platform lists many well-known financial institutions and enterprise customers.
The reporter inquired as a customer whether there were some of the above customers on the SMS group sending platform, and got a positive reply.
Meanwhile, when the reporter interviewed the above-mentioned so-called cooperative enterprises, the question involved whether to cooperate with the SMS platform and how to protect customers' personal information.
The reporter in charge of the express platform said that they did not contact the relevant department of the express platform.
As of press time, the reporter noted that a express has been removed from the partner column of the mass messaging platform.
Ping replied to the reporter by email from a bank: at present, the banking business is developing rapidly, the customer group is large, and the brand reputation is good. Individual organizations and individuals often use or fake the name of our bank for illegal marketing. If you receive similar questionable marketing, it is suggested that you can verify and confirm through the bank's forgery detection platform at the same time. There is a clear prompt whether it was sent by Ping bank. It is also a warm reminder. If you receive non bank official telephone / SMS marketing, please don't be gullible and keep your personal information properly.
The number comes from the beautiful number integrated and filtered by the customer source software
Is the website above just an example?
Xiao Liu, who is also engaged in mass messaging business with Zhao, operates a more concise website. This website is where Xiao Liu briefly introduces the business to customers. For more detailed information, he will try to let customers add his wechat. In Xiao Liu's wechat circle of friends, you can see screenshots of bank loan SMS sent by many platforms.
Compared with Zhao's price of 45000 for one million messages, Xiao Liu said that SMS messages are in large quantity, with large quantity and discount; The price is also step-by-step. Customers don't have a number library. The price for sending is one million pieces of 50000 yuan, but the SMS response rate can reach 1000-6000 (3-6 people respond to 1000 SMS). The response rate of numbers in some small cities may be higher.
In order to enable customers to quickly obtain active customers, Xiao Liu will open the backstage permission for customers. In the backstage, he can filter out the customer numbers replied, and see the time and content of their replies, which can be sent all over the country.
If the transmission is successful, the billing, shutdown, empty number and blacklist will be returned automatically.
Loan SMS without link can be sent by providing the company's business license. If there is a jump link in the text message content, Xiao Liu will review the link first, and then ask the customer to provide a complete contract chain and financial license.
In Xiao Liu's introduction, his number library has two sources: one is through the integration of some third-party customer source software; The other is to filter the beautiful numbers after empty numbers, which can be selected according to the city.
A joint-stock bank employee also told reporters:
Like other enterprises, banks are only one of the users of operators and have no authority to query the information of other users. Each port number / telephone number has its own department or natural person. There may also be fake machine stations or SMS sending / telephone outbound calls directly generated by some software. These counterfeiting behaviors will make customers mistakenly think that it is the bank and cause damage to the bank's reputation. Under normal circumstances, banks will also synchronously collect customer feedback information and transfer it to relevant departments for attention. In addition, customers can also use the 12321 reporting platform for feedback verification.
Is there any legal risk for the above transactions? A senior lawyer in the financial industry told reporters:
First of all, SMS platform service providers must carry out business on the premise of obtaining the business license for value-added telecommunications services. Enterprises that operate the value-added telecommunications services of mass texting without authorization may constitute the crime of illegal operation.
Secondly, the SMS platform prohibits contents that endanger public interests, are suspected of pornography, involve violence and so on.
Finally, mass texting through pseudo base stations and fraud through mass texting are illegal and banned by the state.
The reporter also found that Article 18 of the regulations on the administration of communication and short message services clearly stipulates that short message service providers and short message content providers shall not send commercial short messages to users without their consent or request. If the user expressly refuses to receive commercial short messages after consent, it shall stop sending them.
Where a short message service provider or short message content provider requests the user's consent to receive a commercial short message, it shall state the type, frequency, duration and other information of the commercial short message to be sent. If the user fails to reply, it shall be deemed that he does not agree to receive. If the user explicitly refuses or fails to reply, he shall not send SMS with the same or similar content to him again.
In addition, according to Article 16 of the regulations on the administration of short message and voice call services (Draft for comments) issued by the Ministry of industry and information technology, any organization or individual shall not send commercial short messages or make commercial calls to them without the consent or request of the user, or the user expressly refuses. If the user does not explicitly agree, it shall be deemed as refusal. If the user explicitly refuses to accept after consent, it shall be stopped.
How to distinguish Li Kui and Li Gui
Is this kind of text message true or false? Is it Li Kui or Li Gui? How can I verify?
The reporter inquired about the customer service as a customer through the official customer service telephone of many banks and mobile app.
The vast majority of bank customer service asked the reporter to provide the number of sending and receiving SMS. After submitting the corresponding number, they also received a similar reply - the SMS was not sent through the official channel of the bank. At the same time, the customer service would repeatedly remind the reporter to be careful.
This also means that if you receive such messages and calls, you can check them by calling the customer service phone on the bank's official website or the official mobile banking app.
The bank told reporters in the e-mail: if you receive similar questionable marketing, it is suggested that you can verify and confirm it synchronously through the bank's forgery detection platform, and there is a clear prompt whether it was sent by the bank.
It is worth mentioning that the above-mentioned housing decoration and consumer loans will be issued not only in the name of banks, but also in the name of all kinds of small loans.
The official Tiktok number of Longgang Branch of Shenzhen Public Security Bureau reminds that the main purpose of replying to TD in such harassment messages is to obtain "active customers" who have noticed the information. It may only be used to test whether the mobile phone number is true and effective. Once the person who receives the message replies, it will be marked as "true and effective", and then more harassment messages or even fraud messages may be received.
"It is recommended to use regular interception software to intercept, or set the words such as unsubscribe and TD as blacklist interception, so that such short messages can be intercepted specially." Shenzhen police warned, "no matter what information you receive, don't reply easily, and don't click the link inside at will."
Fraud SMS can also remotely operate goip group sending from abroad
These fraudulent SMS, in addition to some domestic websites engaged in mass sending business, some are actually mass sending from overseas remote-controlled domestic devices.
Is there any way to intercept the message delivered to our mobile phones by people living abroad? Every reporter invited the anti fraud center of Shenzhen Public Security Bureau to solve his doubts.
The anti fraud center of Shenzhen Public Security Bureau mentioned in every interview with reporters that in life, many people have more or less received fraud messages. Although some people can recognize such information, some people are deceived from time to time.
The reason why people can receive fraudulent text messages is that there may be a device around them that can send fraudulent text messages in groups. This kind of equipment is not complex. One transmitter, one power supply and one mobile terminal can push SMS forcibly using GSM mobile phones within 500 meters around the transmitter.
Compared with traditional transmitters in the past, criminals rent houses in fixed areas, erect antenna equipment, remotely control and send fraudulent text messages to users in specific areas. Now, with the development of science and technology and the continuous increase of police crackdown, such equipment is gradually transferred to more concealed pseudo base stations or goip and other series of equipment. This is a hard equipment for network communication, which can convert traditional telephone signals into network signals, You can remotely control the goip device through the server to send the phone or SMS.
The goip device has the function of unattended, two-way call, avoiding the disadvantage that the general number change software cannot call back, and hiding the location of criminals. Swindlers use goip equipment as a fraud transit station. By remotely operating goip, they can arbitrarily switch mobile phone numbers from abroad, dial fraud calls or send mass text messages, and pretend to be staff of public security, taxation, telecommunications, banking and other departments to commit fraud.
At present, in addition to the short message fraud in the name of "upgrading the banking system", there are also short message fraud in the name of public security organs, "high-speed etc, housing authority, banks, communication operators, insurance companies" and other forms. Such fraud has gradually shifted from extensive network to accurate delivery. Fraudsters obtain the network behavior and consumption data of Internet users through illegal channels, The fraud scene can be designed for the cheated to mislead the cheated and greatly improve the probability of fraud. There is a Trojan virus link in the short message. After the user clicks, the Trojan horse is implanted into the mobile phone. After taking the opportunity to obtain the bank card and other relevant information in the mobile phone, the Trojan horse will make a profit.
So, how should we prevent fishing fraud?
The anti fraud center of Shenzhen Public Security Bureau reminds you that the following key points should be kept in mind at all times:
1
Check if you receive the text message. When receiving the information sent by institutions such as banks, consumers should pay attention to distinguish between true and false. If they are not sure whether the SMS is true, they can go to the business outlet or consult their official customer service;
2
Unfamiliar links are not clicked. The webpage link provided by fraudulent SMS may be a phishing link of fake mobile banking or online banking webpage, or it may be a virus Trojan horse. It is suggested that consumers should try not to click on the website links provided by third parties to avoid being lured by criminals;
3
Strictly observe personal information. Consumers' ID number, bank card number, account password, SMS verification code, payment code, etc. are important and sensitive personal information. When a third party requests to provide or input the above information, it is necessary to be vigilant. Do not easily provide important and sensitive information to others.
The daily economic news reporter noted that the public security organs have made every effort to crack down on Telecom fraud in recent years.
In terms of preventing SMS fraud, the anti fraud center of Shenzhen Public Security Bureau, together with the communication and Management Bureau and the three operators, launched early warning and anti-counterfeiting, and pushed the links of fraudulent SMS to relevant departments for interception and blocking; In particular, in view of the high incidence of etc SMS fraud cases in the early stage, the anti fraud center of Shenzhen Public Security Bureau, together with etc Shenzhen Branch, launched the anti fraud technology of early warning and dissuasion, and included the owners of Shenzhen etc into the white list protection. Once it is found that the suspected owners have been cheated, it will immediately carry out the dissuasion or stop payment mechanism; In order to deeply bury the awareness of preventing telecom network fraud in the minds of vehicle owners, actively coordinate and communicate with multiple departments, carry out multi-dimensional, long chain and full coverage accurate publicity for etc vehicle owners, and organize and promote the three operators of Telecom, China Mobile and China Unicom to carry out an indiscriminate anti fraud SMS emergency reminder in the whole city in conjunction with the Municipal Communications Administration, focusing on the publicity of etc vehicle owners in Shenzhen, Ensure that every etc owner and even every citizen should know all about such crimes and be able to prevent them.
Institutions can use customer information
However, relevant laws and regulations shall be observed
Then, does the organization with customer information have the right to use customer information? A lawyer told reporters that institutions can use it, but they should abide by the corresponding legal provisions.
The lawyer said that China's Civil Code stipulates that the processing of personal information shall follow the principles of legality, legitimacy and necessity, shall not be over processed, and meet the following conditions:
(1) Obtain the consent of the natural person or his guardian, except as otherwise provided by laws and administrative regulations;
(2) Rules for publicly processing information;
(3) Express the purpose, method and scope of information processing;
(4) It shall not violate the provisions of laws and administrative regulations and the agreements of both parties. The processing of personal information includes the collection, storage, use, processing, transmission, provision and disclosure of personal information.
The second chapter of China's personal information protection law stipulates the "personal information processing rules", which makes more detailed provisions on the processing of personal information.
For example, Article 13 stipulates that a personal information processor may process personal information only if one of the following circumstances is met:
(1) Obtain personal consent;
(2) Necessary for the conclusion and performance of the contract to which the individual is a party, or for the implementation of human resources management in accordance with the labor rules and regulations formulated according to law and the collective contract signed according to law;
(3) Necessary for performing legal duties or legal obligations, etc.
For personal sensitive information, Article 30 of the personal information protection law stipulates that when processing sensitive information, personal information processors shall also inform individuals of the necessity of processing sensitive personal information and its impact on personal rights and interests.
In addition, Article 41 of the network security law and Article 29 of the consumer rights and interests protection law require operators to collect and use personal information in accordance with the principles of legality, legitimacy and necessity, publicly collect and use rules, clearly indicate the purpose, method and scope of collecting and using information, and obtain the consent of the recipient. An enterprise must keep the data it collects strictly confidential, and shall not disclose, tamper with, damage, sell or illegally provide the collected data to others.
The above lawyer pointed out that to sum up, institutions that have collected personal information can use personal information on the basis of complying with laws and regulations.
It is urgent to protect personal information at multiple levels
The abuse of personal information occurs frequently. The above lawyers have given some suggestions on how to protect personal information at the levels of supervision, enterprises and individuals.
First, at the regulatory level, strengthen the crackdown on online trading platforms. It is suggested that the government regulatory authorities strengthen the monitoring, investigation and ban of such websites and communication groups engaged in illegal reselling of citizens' personal information, cut off the main channels of buying and selling citizens' personal information between upper and lower families, and strengthen the supervision and investigation of the industry of information source;
It is also necessary to establish a citizen complaint and reporting mechanism, establish a department for the protection of citizens' personal information rights and interests, and establish a feedback mechanism for investigation and punishment, so as to encourage citizens to provide information and reflect clues in time;
At the same time, it can integrate the information resources of mobile terminal manufacturers and telecom operators, such as marking advertisements and fraudulent calls in caller ID, and deeply and effectively investigate and deal with the source of information leakage through big data analysis.
Secondly, in terms of enterprises, the protection of personal information also requires relevant enterprises to strengthen self-discipline and independent compliance. Improve the personal information protection mechanism within the enterprise in accordance with the provisions of the personal information protection law, the network security law and the data security law.
For example, clarify the scope of application of personal information protection system and policies in the company, the principles of personal information processing should take into account the basic principles of other data protection laws, clarify the organizational structure and department functions, and clarify the data event response mechanism.
The last is the personal level. At the moment of information explosion, our personal information is almost transparent. For individuals, protecting personal information needs to be paid attention to in daily life.
First, be careful to fill in personal information when shopping online. When handling store membership and filling in receiving information, if the real name system is not necessary, you can choose a nickname instead;
Second, the application software on the public computer should be exited in time, and the documents should be deleted in time. Before throwing away the express package, the pasted express bill should be destroyed.
Third, when authorizing relevant permissions, you must carefully check the contents of the notice, and close the unnecessary permissions for using the software;
Fourth, before publishing content on the public platform, we must check whether personal information is leaked, etc.
Reporter's note: don't "return to t" unsubscribe, which is the first step to block fraudulent text messages
I believe most people have received the so-called "loan" SMS sent in the name of different banks. Similarly, there are those issued in the name of "high-speed etc" and "social security". This kind of text message is very disturbing, and more harassing text messages are often received after replying to "t" unsubscribe.
Behind such messages, the victims may be frauds, fake loan applications or bank card swiping... Many victims have also suffered economic losses.
Fortunately, the police are still fighting against such short messages, intercepting and blocking, stopping payment mechanism and anti fraud claims... While the police are doing their best to protect our "money bag", as individuals, we should be more vigilant, strictly abide by personal information and keep fraud out of the door.
References
[1] need Alipay petty cash for online shopping refund? This is fraud! Someone in Beihai has been targeted! Wechat official account of Beihai Public Security Bureau
Reporter Pan Ting
Editor Liao Dan