In the black platform fraud industry chain, card merchants have always been an extremely important role, they can disguise the identity of criminals through black cards, not only for criminals to provide convenience when defrauding investors, but also to help criminals to launder money.

With the help of card merchants, the detection rate of black platform cases is extremely low. Because of this, in 2020, the "card break action" was carried out, and card merchants were hit hard and gradually extended their hands to the campus, and many students without social experience were cheated and even became card merchants.

Not long ago, the Ministry of Education of the Supreme People's Procuratorate recently released five typical cases of students involved in "two cards" crimes. The alleged criminals fall into three broad categories.

1. Sell cards to criminal gangs

In such cases, students usually see relevant card purchase information on wechat moments or a part-time website. So he used his own ID card to do a number of cards, and then sent by Courier. There are several such cases in this publication

On August 23, 2020, after seeing the acquisition of mobile phone card information issued by Guo Mukai's gang in the wechat part-time group, Geng Muyun applied for 9 mobile phone cards with his ID card and handed them to Liu Muxue according to Guo Mukai's requirements, and Liu Muxue checked the card, took photos and sent them by express, and Geng Muyun made a profit of 450 yuan. One of the mobile phone cards was used to conduct a telecom Internet fraud, causing a victim in Jingxing County, Hebei province, to be cheated of more than 350,000 yuan.

2. Helping criminals to defraud

Among the students who sell cards to criminal gangs, some of them are unaware and think that they are doing part-time work, and for these people, they are generally not dealt with as crimes, but only credit punishment and strengthening education management. But there is a class of students who knowingly commit crimes but are motivated by profit and help them. Such students are also severely punished.

From October to December 2019, Hou and Yang, together with others, carried out fraud by publishing false information about paid friends in the circle of friends, luring victims to scan QR codes and pay, and using the "hundredfold jump" software implanted in advance to increase the actual amount of deduction to a hundredfold. In order to facilitate the receipt and transfer of stolen money, Yang Mohui purchased a complete set of bank card information (including a copy of ID card, bank card number, and mobile phone number) from others at a price ranging from 600 yuan to 1,000 yuan, which was used to register wechat merchant numbers and generate payment QR codes for use by fraud gangs. Among them, Wu Mouhao and other 9 people sold a set of bank card information to Yang Mouhui. After the victim scans the QR code provided by Hou to pay, the funds are transferred to the corresponding wechat merchant number, and according to the background Settings, they are automatically transferred to the bank accounts of Wu and others bound by the merchant number in the early morning of the next day.

Wu Mou Hao and other 9 people know that the funds transferred into my bank account are criminal proceeds of others, still in accordance with the requirements of Yang Mou Hui through the mobile phone bank into the designated account, the transfer of fraudulent funds are 24,500 yuan to 291,600 yuan.

3. Become a card merchant

This kind of crime is worse. Students are often the first to see the sale of mobile phones, bank cards profitable, and then directly become criminal gangs offline or even card business, in order to seek greater interests, for this bad crime, the police are strictly punished.

Tu Mou Tong, born in August 1998, is a university student. Wan Mouling, born in September 1998, was a student at a vocational and technical school at the time of the crime, and a hospital employee at the time of the crime.

Since 2018, Tu Mou Tong knew that others used the information network to commit crimes, and in order to obtain illegal benefits, he purchased bank cards for a long time and provided them to others. In 2018, after Tu Mou Tong and Wan Mou Ling got to know each other through part-time work, Tu Mou Tong successively acquired three sets of bank cards of Wan Mou Ling (including bank cards, U shield /K Bao, ID card photos, and mobile phone cards), and let Wan Mou Ling help them acquire bank cards. From March 2019 to January 2020, in order to make profits, Wan Mou Ling, knowing that bank cards were used for information network crimes, purchased 8 sets of newly registered bank cards from 4 students to Tu mou for reasons such as the need for cards for relatives to open Taobao stores, and Tu mou sold bank cards to others to be used for the implementation of telecommunications network fraud and other illegal and criminal activities. After investigation, a total of 21 telecom network fraud victims transferred more than 2.07 million yuan to the above bank cards sold by Wan Mou Ling.

Consequences involving fraud

Students participate in fraud activities, the vast majority of cases because of lack of social experience, ignorance of the law. However, not understanding the law is not a reason for immunity, although the state has a certain tolerance for students involved in telecommunications fraud in terms of punishment, but according to the severity of the case, there are corresponding disciplinary measures. This is also the warning significance of the typical cases of students involved in "two cards" crimes announced by relevant departments.

From the published cases, for school students to participate in fraud activities, a little impact on credit, to personal future loans and other financial business caused trouble; Heavy school status is not guaranteed, can not get a diploma, years of hard work instantly wasted, may also leave a stain on life.

With the stain not only can not apply for many qualifications such as national civil servants, but also many careers can not be engaged, and even because of the stain background in life everywhere hit a wall.

Sum up

Nowadays, the hand of criminals has been extended to the campus, have to admit that many students in the temptation of money, often will help, let the market scammers flood, for this situation every investor should not only be vigilant to the online strangers, but also to strictly review the qualifications of the trading platform.