Source: The Paper
"Congratulations on the loan of 500,000 yuan, customers can't keep up." Xiao Bo (pseudonym), who claims to be a smart outbound call service provider for telemarketing, updated his circle of friends and accompanied a chat screenshot of the customer's successful loan. There are many similar "successful cases" in Xiao Bo's circle of friends. Xiao Bo claims that his telemarketing robot can make more than 1,000 calls in a single day, and the connection rate remains at 30% or even higher, and can evade supervision and prevent account bans.
Are you still making troublesome calls to promote loans and POS machines?
From late October to November 2021, a reporter from Pengpai News found that chaos in the telemarketing industry still exists. The technical model of " outbound call system + telemarketing robot" claims to be able to accurately call on dedicated lines, mark customer information, and evade the supervision of communication operators through technology; behind it, it hides illegal transactions of personal information and illegal sales of POS machines.
, known as the "anti-seal" telemarketing outbound call system
telemarketing is a sales method based on telephone, contacting customers through a dedicated telephone marketing number to complete product recommendations, quotations, transactions, etc., but this method is often easy to harass users. Among the media reports, there are many cases where telephone users are often disturbed by telemarket calls. The Ministry of Industry and Information Technology and the three major operators have taken measures such as "high-frequency call ban" in recent years. However, with the application of technologies such as smart voice, the intelligent outgoing call software system that claims to be able to make a large number of calls in a day and can "prevent ban" (prevent ban) still makes users unable to defend themselves.
The Paper recently investigated and found that some telemarketing software uses "anti-seal" as a gimmick to attract customers, and various "anti-sealing robots" are gradually gaining popularity in the market.
is searched with the keyword "electric marketing" in Baidu Tieba and Tencent QQ, showing a large amount of information related to "electric marketing software". The reporter randomly joined a QQ group called "Telephone Marketing Outbound Call System". There were more than a thousand members in the group. The account named "Telephone Marketing System Chamber of Commerce" posted various promotional information related to telemarketing from time to time in the group. "Electronic sales card", "Electronic sales app", "Electronic sales anti-seal system"... The sales information in the
group claims that the services provided can cover the entire industries of finance, collection, loans, insurance, health care, alcohol, auto insurance, games, etc.
reporter randomly added the WeChat of Xiao Bo, a telemarket intelligent outbound call service provider, from the QQ group. He asked the reporter what business he wanted to do, saying, "See if it can be done, now the telecom fraud is strictly investigated." After confirming that it was a "campus loan" business, he enthusiastically introduced his products and sent a price list, including a real-life speech development set of 300 yuan per set, and a robot package divided into basic version, premium version and agent version according to different prices and specifications. During the conversation, Xiao Bo said that most of the customers he handled were selling financial stocks, loan insurance and POS machine sales, which could be "anti-locked".
In his description, the "anti-blocking robot" does not require any telephone cards and auxiliary equipment. The outgoing call system purchased together will use the group call line to dial the number. Regarding the reporter's question of "Will you not be sealed if you make too many calls?" Xiao Bo replied that there will inevitably be complaints on a certain line every month, but as long as the complaint rate is reached, the line will be stopped and replaced with another one, so as to prevent the system purchased by the customer from being blocked. He also mentioned a new business that is about to be launched - a telemarketing anti-seal app. In the promotional pictures of the app, words such as "the three major operators will turn whitelists in seconds and no account ban at high frequency" are placed in the most conspicuous position.
In order to further dispel reporters' doubts, Xiao Bo also added, "We are first-level landing line providers, and they all cooperate with operators."
Another service provider who claims to be engaged in the research and development of telemarketing systems for 6 years explained to reporters that the current telemarketing robot business on the market basically adopts the "line + system + service" model. Buyers can enjoy a full set of services by simply using the account they provide, “including technical support, line-mounted and after-sales service.”
In the recording of the "loan speech" sent by him, a woman who claimed to be a "representative of a bank's customer service" told the customer on the other end of the phone that she could handle a loan of 3 million to 5 million, and "borrow and repay as soon as possible". In this conversation, the customer service representative repeatedly stated that he was a staff member of the "representative of a bank's credit center" and asked about the profession of the telemarketing customers, the loan and insurance business they handled, and "whether there is a house and a car under his name."
He Zheng said that the so-called "representative of a bank's customer service" purchased their telemarketing customers The system records the recording in advance and combines it into a complete sales discourse based on the matching of the system. The customer thinks it is a real person and is constantly "selled" and may place an order. But in fact, it is not known whether this "bank customer service representative" is a bank staff member or a telecom fraudster.
"material dealer" in the dark of the telemarketing industry
In the telemarketing industry, an important part is to obtain customer information resources. Illegal trading of personal information is also breeding in the dark.
htm After the l0 reporter joined a QQ group, a "material dealer" who claimed to be specializing in health care lines (who provided user phone number and other information) sent a message in the QQ group saying that he obtained consumer information of a health care book purchased in a TV shopping program, and then sold it to a telemarketing team or system service provider that promotes health care products. In the screenshots he sent, these consumers were distributed in different provinces such as Shandong, Henan, and Zhejiang.Compared with system service providers, "material dealers" appear more cautious. They usually do not directly give contact information such as WeChat or phone to confirm that the other party is a "intention customer". ” will be communicated further.
In a chat with a "material dealer" who is "AZY", the reporter learned that most customer resources are divided into "AI materials" and "hand stripping materials". "AI materials" are provided to telemarketing robots, while "hand stripping materials" are used by employees who make phone calls manually. According to the feedback rate of the dialing phone call, the prices of the two "materials" are also different. Generally speaking, the feedback rate of "hand stripping materials" is higher than that of "AI materials", so the price is higher.
is calculated based on the price standard sent by "AZY", 6 You can buy ten thousand "AI materials" or one thousand "hand-skinned materials" user information. These "materials" are usually replaced by different pinyin abbreviations. For example, the stockholder's dedicated line is called "GM powder" by them, and online loans are called "Wd".
There are many posts on "defying pits and preventing second-hand material dealers" in Baidu Post Bar. Some familiar "material dealers" will add WeChat to each other and establish their own WeChat groups in the hope that their "materials" can expand or stabilize the source.
reporter posted in the investigation Now, in order to be more concealed, transactions between material dealers and buyers are often transferred from WeChat to other more private online trading platform . The line dealer "AXY" chose an overseas chat software called "Telegram" to complete the transaction with customers. After failing to reach a transaction with reporters, "AXY" immediately closed its QQ space .
How to rectify the chaos in telemarketing
telemarketing chaos in recent years has attracted many attention and has been rectified. html l1
In 2019, Central Bank issued Document No. 85 of [2019] "Notice of the People's Bank of China on Further Strengthening Payment and Settlement Management to Prevent New Illegal and Crime in Telecom Networks", which directly pointed out the chaos in telephone sales of POS machines. At the same time, many payment institutions issued an announcement on strictly prohibiting online sales and telemarketing POS machines. However, the circle of friends of the service provider He Zheng is still full of sales records of "POS machines" telemarketing customers. The reporter was asking about POS machines POS machines html. However, the circle of friends of the service provider He Zheng is still full of sales records of "POS machines" telemarketing customers. The reporter asked about POS machines html. 3. When selling the business, he did not show any license for the financial industry.
. According to media reports, the telemarketing scam of POS machines has long become a high-incidence area for complaints. Most telephone sales attract customers to use their products with "low rates and free shipping", and after users place orders, they will incur charges in various names such as activation fees, deposits, and service fees. The reporter also found on the Internet that many scammed users reported that they could not get the credit after receiving the POS machine, and they were even blocked by salesmen.
In May this year, the Consumer Rights Protection Bureau of the China Banking and Insurance Regulatory Commission issued the No. 8 of 2021 "Notice on the Cases of Infringing Consumers' Legal Rights and Interests in Ping An Bank's Telephone Sales Physical Products Business Infringing Consumers' Legal Rights and Interests" (hereinafter referred to as the "Notice"), and reported on the case of Ping An Bank's cooperating with third parties to telemarket physical product business infringing consumers' legitimate rights and interests.
According to the "Notice", among the 360 physical product business of Ping An Bank Credit Card Center in random inspection of , 53 businesses had illegal and irregular problems, accounting for 88.33%.
Telecom analyst Fu Liang told The Paper that the current domestic telemarketing industry management has not yet formed a complete standard, "many links have not been fully opened." If the management standards between relevant departments cannot be unified, there will be barriers to the management and rectification of telemarketing chaos. Even if users find that their personal information is leaked or traded, it is often difficult to find a "pathway" to complain and deal with it.
Fu Liang also pointed out that operators are the primary step in ensuring that user information is not leaked. They often have their own strict operational specifications, but they cannot completely avoid the possibility of omissions in the huge business branches. Moreover, in the current Internet era with highly developed communication technology, many personal information is in a "semi-public" state.
He believes that in various scenarios of daily life, such as phone calls and names, information is constantly used and exchanged, and it is difficult to fully quantify whether it involves "privacy leakage". "If there is an improper transaction of user information, it is an illegal act no matter where it occurs."
