In cybercrime, cases of misappropriation of ID card information for illegal activities are not uncommon. The following are a few typical examples and how they operate.： --- ### **1. Financial fraud and money laundering** -**Technique**: Open a bank account or a third-party payment account (such as Alipay and WeChat Pay) by misappropriating another person's ID card to receive and transfer illegal funds. -**Example**: Criminal gangs acquire stolen ID cards, register shell companies in bulk and open public accounts, and split and transfer stolen funds from telecommunications fraud through multiple accounts to evade supervision. -**Consequences**: The victim may be frozen because the account is involved in money laundering, or even mistaken for an accomplice. --- ### **2. False lending and credit fraud** -**Technique**: Use other people's identity information to forge signatures, work certificates and other materials to apply for loans from online loan platforms or banks. -**Example**: In 2019, a gang used the dark web to purchase ID card and bank card information, and fraudulently used the identity of others to borrow more than 10 million yuan on multiple platforms, resulting in huge debts for the victims. -**Consequences**: The victim's credit reporting record is damaged and faces collection harassment and legal disputes. --- ### **3. Online account black production transaction** -**Technique**: Use ID card information to complete real-name authentication of games and social platforms, and use it to register “zombie numbers" in bulk. -**Example**: A ”raising account" gang used stolen ID card information to register WeChat and Douyin accounts and sold them to fraudulent groups for “pig killing" or swiping orders to defraud. -**Technology extension**: Combining AI face-changing technology to fake dynamic face recognition, breaking through the identity verification of some platforms. --- ### **4. False medical care and health insurance fraud** -**Techniques**: Fraudulently use other people's identity information to falsify medical records, defraud medical insurance funds or resell medicines. -**Example**: An internal staff of a hospital misappropriated the patient's ID card information, fictitious chronic disease diagnosis and treatment records, and declared false reimbursement payments to the Medical Insurance Bureau. -**Consequences**: The victim's medical insurance quota is consumed, which even affects the normal follow-up medical treatment. --- ### **5. “scapegoat” for cybercrime** -**Technique**: Use stolen ID information to register a domain name, server, or VPN service to hide the identity of the real offender. -**Example**: An online gambling platform used hundreds of stolen ID cards to rent an overseas server. After the incident, the police tracked down the original owner of the ID card, resulting in innocent people being investigated. -**Technical features**: Cooperate with the virtual operator's mobile phone card to complete the "real-name authentication" to form a complete identity chain. --- ### **6. Cross-border crime tools** -**Technique**: Buying and selling complete sets of ID card information (including front and back photos of ID cards and photos of hand-held ID cards) through the dark web for transnational crime. -**Example**: A fraud group in Southeast Asia used the information of a Chinese citizen's ID card to register an overseas exchange account for cryptocurrency money laundering. -**Statistics**: According to a report by a network security company, the average price of Chinese citizen ID card information circulating on the dark Web in 2022 will be 30-50 yuan per piece. --- ###**Key protection recommendations** 1. **Personal information protection**: Avoid submitting ID photos on unknown websites and adding a “XX purpose only” watermark when uploading. 2. **Regular verification of records**: Check personal credit reports every year (through the official website of the central bank's Credit Reporting Center) to check abnormal loan records. 3. **Legal means**: After discovering that the identity has been stolen, immediately report the case to the public security organ and request a "Notice of Non-filing" for follow-up rights protection. These cases reflect the seriousness of identity information leakage and remind the public of the need to raise awareness of the protection of personal information. For enterprises, strengthening multi-factor authentication technologies such as biometric identification and in vivo detection has become a necessary measure.