What's wrong with the white stripes in JD.COM?
20 17, Wang, a student from a university in Hunan, heard that "JD" was launched. The credit purchase business of "COM IOUs" can be paid after consumption, and it is easy to pass the examination. "The first time I bought something with my own information, I found a loophole at that time. I want to tell JD.COM, but I don't know how to contact them. " Wang realized that this was a channel for "making money" and immediately contacted Zhang, a fellow villager, and decided to give it a try first.
Later, Wang bought a student ID card with 200 yuan in an Internet cafe near a university in Changsha. Using the information on the ID card and the newly bought mobile phone number, Wang registered an account on the Internet and inquired about the student status information corresponding to the ID card.
Through this information, Wang applied for an account on the platform and submitted an application for "JD.COM". COM white strip. " After that, Wang handed over all the ID card and student information to Zhang, who used the student information to come to the university where the owner was located and found the interviewer (usually a part-time college student) of the school for an on-site interview.
The interviewer only conducted a simple inquiry and interview with Zhang Jin, then completed the preliminary examination, and then sent the preliminary examination materials to the backstage of the company for final examination. After approval, Wang used the approved "JD". The credit line of "COM White Strip" purchased a mobile phone of more than 6,000 yuan on the platform and delivered it to Zhang by express delivery. After the mobile phone arrived, Zhang made a profit of 5,200 yuan at a price of 8.8% off the original price.
After the success of the first "business", both Wang and Zhang tasted the sweetness, and they began to recruit soldiers to conduct large-scale fraud. "It's too easy and too fast to get money in this way. When I saw the money, my mentality changed. "
Wang hired Zhang, Liu Mouliang, Liu and other personnel to purchase ID cards and mobile phone cards, inquire about student status information, register accounts, and handle JD. COM IOUs "credit purchase business and receipt, delivery and realization;" Zhang hired Peng to pretend to be a college student 15, and asked the face-to-face signing officer for face-to-face signing review. Wang bought more than 90 ID cards with different prices at the price of each 300 yuan in the vicinity of university Internet cafes and Changsha Railway Station. In this case, they colluded with each other and formed a complete chain of cheating, collecting and selling.
2017101,in the daily transaction monitoring, the headquarters of jingdong finance company found that a group had repeatedly used other people's identities to conduct offline and online video interviews, defrauded the white line quota and made shopping consumption.
After the arrears expired, JD.COM Company contacted the personnel on the ID card by phone, and they all said that they had never handled JD. Through video interviews, they did not use "JD" either. COM white strip "shopping limit. JD.COM Company then reported the case to Tianxin Branch of Changsha Public Security Bureau.
After the public security organs put the case on file, Wang et al. 16 suspects were arrested one after another. Wang and Zhang confessed that * * * defrauded Jingdong Finance Company 165438+ more than 10,000 yuan through the above-mentioned modus operandi.
On March 8, the Tianxin District Court of Changsha held a hearing to hear the case and pronounced it in the first instance.
Tianxin Court held in the first instance that Wang and Zhang used false identities to defraud JD for the purpose of illegal possession. COM IOUs "made malicious consumption and defrauded the property of Jingdong Financial Company, the amount was extremely huge, which constituted the crime of fraud, and all of them were principal offenders. In the end, the court sentenced Wang to fixed-term imprisonment 10 years and 9 months, and fined 80,000 yuan; Zhang was sentenced to 10 years and 6 months in prison and fined 50,000 yuan. The remaining seven defendants were also sentenced to fixed-term imprisonment.
What does the white loophole in JD.COM mean?
In these fake or forged information of others and defrauded "JD. "Line, a detail confused the lawyer.
"The defendant clearly took someone else's ID card to interview. Why can't the interviewer in JD.COM see it? In addition, face-to-face videos must be recorded and uploaded to the headquarters in JD.COM. Why didn't anyone check it? " On March 8th, in Tianxin Court, a defense lawyer told this newspaper, "This is an unavoidable audit loophole of JD.COM Company itself. As a well-known enterprise, JD.COM has doubts about its risk control. "
A number of defense lawyers involved in the trial said that in related cases, JD.COM. Applying for an interview is just a formality, without carefully checking the applicant's real situation. "Officials who sign face-to-face contracts are part-time students, some deliberately indulge in fraud, or engage in fraud with criminals." A lawyer said.
Wang, a college student, insisted. The flaw of COM itself is the inducement for him to commit a crime and get deeper and deeper. In many cases of swindling JD.COM's IOUs, the court judgment also mentioned that the defendant used JD.COM. Audit loopholes in COM.
Wang, the principal offender in this case, said, "It was normal shopping to use white bars at first. Later, it was found that there was a loophole in the JD.COM system itself-you can skip the real-name authentication directly and sign face-to-face without binding the bank card. I think it is funny, like a hacker. I called some people, I only provided the operation method, and everyone was responsible. "
In fact, in recent years, cases of "bad intentions" posing as others' IOUs and flowers have emerged one after another. Around these credit payment products, there is a "black industrial chain" with large-scale operation, and most of them are young people with strong consumer demand.
According to the statistics of refereeing document network, more than 200 people have used JD. Debts "for fraud. According to the verdict, the average age of the defendants in 107 is 28 years old. Take JD as an example. The two courts in Changsha pronounced that college students accounted for nearly half of the defendants. The defendant's maximum sentence was 19 years, with an average sentence of 2.35 years. In addition, the number of college students deceived mentioned in the judgment exceeded 362, which became a more conspicuous group among the victims.
Ant Flower Blossoms, JD.COM White Stripes, Micro-loans ... Although these Internet financial products were not born long ago, they "developed" the habit of young people's overdraft consumption through the Internet in just a few years with the strong penetration ability of Internet giants.
For "cash-strapped" young people, flowers and white stripes have become as natural as breathing. And some young people, at the same time, "tactfully" discovered the loopholes in the platform, and used these loopholes to grab profits-as everyone knows, once they crossed the red line, the seemingly "bonus hunter" behavior actually constituted fraud.