Hello everyone, I'm the previous editor who played World of Warcraft cheated 300, and here I am again!
Do you think that after such a long time I have been deceived again? Of course not! How could saint seiya be defeated by the same move?
But strictly speaking, this article does have so much to do with the last time I was cheated.
Last time I shared my tragic (ruo) miserable (zhi) experience, I saw that there were many bad friends in the message area who also shared their own experience of being deceived, which made me call out that I was not alone.
It also struck me at the diversity and pertinence of telecom fraud today.
But this is not the point, the focus of today's article is that a friend broke some inside information about my being deceived that day, which opened my eyes after some exchanges.
The "discount coupon" he mentioned believes that everyone will not be unfamiliar.
Search for recharge on various e-commerce platforms, we can see a lot of search results, many point cards as long as the official price of about 96% off can be bought.
As long as you enter your account number and select the corresponding amount, you can quickly complete the recharge, which is very convenient.
The same principle also applies to telephone bills, utility recharge and even fuel card recharge, but this discount is actually only a few dollars cheaper than a dozen yuan.
Maybe you will feel that just to save such a few dollars, it is not worth the effort to buy it yourself.
No matter, there are cheaper ones!
That is the "slow charge" type of recharge, its discount can be as low as only 14% off the official price, and these stores do have a record of transactions, not scammers.
All netizens are experienced in hundreds of battles, you must be able to see at a glance that this slow charging point card must have cat greasy, everyone is a point coupon, why can you be so cheap?
The bad friend who broke the news was familiar with the routine, because he had worked in such a Taobao store, and he explained it to me by the way.
He told me that to find these stores to recharge, not only the account has a high probability of being "risk control" or even banned by the system, these stores themselves are also a part of the online casino, online fraud and money laundering industry chain!
To clarify the context, we first need to understand the operation mode of these stores.
E-commerce stores are actually the end distributors of this industry chain, because e-commerce merchants do not directly recharge buyers after receiving orders.
The buyer's account number, as well as the amount of money that needs to be recharged, is sent to a kind of middleman called a "table".
These platforms are actually some aggregate automatic delivery software, after the store binds the account, you can automatically grab the orders in the background, and the platform will complete the "delivery" according to these orders.
So where does the "goods" of the table come from?
In fact, after the platform gets the information (account area service and recharge amount), it will not recharge the player.
The platform will forward the information to its upper house: a group of people called "channel merchants", to put it bluntly, the platform is just a "secondary distributor".
Channel providers are critical here, and their main job is to crack all kinds of payment channels.
How to understand this so-called "cracking"?
For example, when we charged the phone bill on an app such as a mobile business hall, we would first enter a selection interface.
After selecting WeChat Pay, you will jump to WeChat and use WeChat Pay to settle.
However, after the channel provider cracks, the first step above will be "stealing beams for columns", and the interface of selecting the payment channel will be "magically changed".
After the magic reform, it is the recharge interface of all kinds of online gambling and adult content apps.
At this time, if someone wants to charge money into the App and chooses WeChat Pay, it will display "Match order" and jump directly to WeChat.
And the payment interface for the corresponding order appears.
In other words, these people think they are charging money on illegal platforms, but they are actually charging strangers with phone bills.
At this point, the list of "e-commerce platform buyers" is paid by "illegal platform users", and the money that the former overpays becomes the profit of all links on this link.
Doesn't that sound a bit of a detour? Let me give you an example.
A wanted to recharge 100 yuan, so he paid 84 yuan (slow charge discount price) to the e-commerce platform.
After the platform merchant receives the order, it pays 70 yuan to the platform to get the goods, and the platform pays 50 yuan to the channel merchant.
The channel provider distributed this list worth 100 yuan to the platform, and B on the platform paid 100 yuan to complete the order, and the channel provider gave the platform a share of 30 yuan after confirming the order.
In this transaction, B's 100 yuan was taken away by game companies and operators, and A's 84 yuan was divided by merchants, platforms, channel providers, and platforms, and everyone was full together.
Why do slow charge orders have to wait 24-72 hours? The key reason is to have to wait for an order or scam order with a corresponding amount to appear.
In addition to these illegal platforms, a part of the source of goods is telecommunications fraud.
This is called "electric fraud" in their industry, and the price of the platform to the merchant can even be as low as 5 - 60% off.
For example, the deception I encountered before (the previous point of mention here) is an electric fraud.
To put it bluntly, some people want to charge 300 yuan of swimming points, and the payment QR code was changed by the channel business demon and assigned to the telecommunications fraud gang.
This gang got a recharge QR code on the spot and tricked me into helping this player recharge money.
Every time the slow recharge and point card recharge are successful, there is a batch of people who are deceived.
The illegal gains of those platforms and scammers do not need to be owned at all, even if only 50% of them are left in the end, which is also a laundered clean money.
But companies are also cracking down on these practices. At present, the official recharge channels, such as Tencent, Changyou, NetEase Games, etc., are actually quite severe for the detection of such "charging" behavior.
Once the player's account has abnormal capital flow (frequency, amount, scan code account, etc.), it is easy to be "risk control" (unable to recharge within 3-6 months), or even suspended.
Although these problems can be circumvented to some extent through a series of tumultuous operations of the channel provider, it is not possible to guarantee 100% success.
We can still see in the store message that many people's accounts are controlled.
But even so, there are still many slow-charging stores on the e-commerce platform, and the money laundered by them every year adds up to an astronomical amount.
According to the exposé brother, he was only in a small shop at the time, and the turnover of Taobao alone had reached 8.6 million yuan in a month, not counting the amount of offline direct transfer.
His boss worked in the business for three months, cutting out various operating costs such as salaries and making a full 1.2 million.
And as long as such a store is opened, you don't have to worry about whether you can find a source of goods, and those platforms will take the initiative to find the door.
How' it goes, are you impressed? Do you feel like you're being tortured again? The days are getting more and more judgmental?
Now the state and major companies are staring at this piece of work, purely a knife licking blood, and they are caught if they are not careful.
Not to mention this gray industry, black eating black things are more common, after all, everyone's hands and feet are not clean, are you pitted, do you dare to find the police?
This elder brother himself has personally seen some platforms roll up millions of merchants to advance payments, and directly run away.
According to his observation, Tencent Games alone had tens of billions of nearly 100 billion yuan of funds in the previous year, and a large part of these funds were stolen funds from various platforms.
However, in recent years, the hot two-dimensional mobile game has not been touched, mainly because the two-dimensional mobile game has not yet had a web page recharge entrance.
It can be seen that the capabilities of these "channel providers" are limited, and they do not yet have the ability to crack the payment channels in the app.
And in the past two years, the control of major game manufacturers has become more and more stringent, and these money laundering platforms have also shifted their attention to the emerging live broadcast industry.
The huge profits of gray industries such as gambling are unimaginable to people who have not been exposed.
For them, money is really just a number, and the only problem is to turn those numbers into money that can actually be used.
Even if you have to suffer 50% of the loss in the process of money laundering, the rest of the money can make these people eat a lot of fat.
The State has been combating money-laundering, and the means by which money can be laundered are constantly changing.
For example, for the most primitive means: large-scale transfer of bank cards, the state issued the crime of helping letters, and strictly controlled the application of bank cards.
WeChat Pay and Alipay have become tools for money laundering, so there is a limit to the transfer.
The rise of virtual currency, coupled with the confidentiality of virtual currency, has made some virtual currency platforms have also become accomplices in money laundering, and the state has also regulated virtual currency.
Such websites can convert the stolen money into virtual currency and then exchange virtual currency for game point cards, chain mall shopping cards, etc. are also one of the sources of discount point cards on the Internet
This is destined to be a protracted tug-of-war.
Although it is not realistic to completely eliminate money laundering by illegal platforms and telecommunications fraud platforms, as the difficulty of money laundering increases, the survival of this industry will become more and more difficult.
By then, there will be fewer deceived people, right?
Author: The author of 300 deceived
editing:polygons
Picture, source: Breaking news brother deceived author