Last month (November), Shanghai Songjiang police received several reports. The victim said that he saw a loan app on the Internet or on his mobile phone. After clicking Download, he didn't get the loan, but instead, the bank card associated with his registration was inexplicably withheld. Victim Sun: The verification code is required for mobile phone login registration. After login, I cannot borrow money. Then I delete the app, and the money in the associated bank card will be lost (deducted).

The police set up a special team. After investigation, it was found that there were 15 loan apps involved, all belonging to the same company. If you want to borrow from these apps, you must first fill in the identity information, bank card number, mobile phone number and verification code. The problem was the SMS verification code.

Chen Jie, a police officer of the Criminal Investigation Detachment of Songjiang Branch of Shanghai Public Security Bureau: The victims often think that the SMS verification code is to verify the authenticity of their bank card, in fact, it authorizes the software to authorize the withholding of their bank card's small amount.

What's more, the police found that after the victims filled in the relevant information as required, they clicked to enter the loan application page, but what they saw was not the content related to the loan process. At the bottom of the page, there would be three authorization agreements. Most victims were eager to loan, so they would not open these authorization agreements, but directly checked "Agree" and then went to the next page, But the next page is the home page of other loan platforms.

Chen Jie, a police officer of the Criminal Investigation Detachment of Songjiang Branch of Shanghai Public Security Bureau: These three folded authorization agreements contain their true purpose of implementing withholding before declaration, as well as some so-called disclaimers to escape legal liability.

It is perceived that when the victim who has been cheated communicates with the customer service, the other party will tell the victim to click on the content of the agreement, and many victims can only choose to accept it. After fully mastering the relevant evidence, the special case team arrested 11 suspects hiding in a building in Minhang District, Shanghai.

Xia Guanping, Deputy Leader of the Criminal Investigation Detachment of Songjiang Branch of Shanghai Public Security Bureau: After investigation, most of the victims involved in the case have problems with their credit records, so they can't borrow money on the formal online loan platform. According to preliminary statistics, the victims of the case are spread across many parts of the country, the number of victims involved is up to more than 190000, and the amount involved is more than 50 million yuan.

At present, 7 people in this criminal gang have been detained by the police in accordance with the law for suspected fraud, and 4 people have been taken criminal coercive measures in accordance with the law. The case is still under further trial.