1. According to the lender, the borrower first needs to provide personal information for its review, including name, telephone number, school/work unit, real-name registration time of mobile phone number, number of people in mobile phone address book, etc. After the approval, the borrower needs to log in the iCloud ID provided by the lending institution on the mobile phone, bind the account with the mobile phone, and open the "find iPhone" function.
Second, after confirming that the borrower has bound the account, the lender will immediately modify the password of the account, so that the borrower cannot unbind the account and turn off the functions such as "finding iPhone". During the loan period, the borrower can still use the mobile phone normally. Once loans overdue, its mobile phone will be locked by the lending institution and cannot be used.
Third, the "Lost iPhone" status will be displayed on the phone screen. Lenders will also send threatening text messages, usually to "explode" the user's address book and reveal personal privacy, which is shocking.
Fourth, the illegal phenomenon of "ID loan" is widespread in major social platforms, and the information about "Apple ID loan" can be easily searched. The reporter found that these illegal phenomena of "Apple ID loan" are widespread: mobile phone information is exposed and user privacy is difficult to protect. Once the ID is bound, the lender can easily obtain the private information such as address book and photos in the user's mobile phone, and many lenders threaten the user to return the principal and interest.
5. Andy, deputy director of the Special Committee of Shanghai Information Security Industry Association and special researcher of E-commerce Research Center, said: "A large number of users don't understand the importance of Apple's mobile phone id. Once the mobile phone is bound with someone else's ID, the installation and uninstallation of the APP will be controlled, and the communication situation will be unobstructed, and the photos synchronized to iCloud will also be leaked. " -"ID card loan" is suspected of "beheading loan" and campus loan. According to the communication between the reporter and the above-mentioned lenders, the "Apple ID loan" business it provides is suspected of violating many laws and regulations, and these phenomena are common in "ID loans".
Sixth, the lender provided a "price list" to the reporter: "Give you 2000 yuan, get 1300 yuan, with a term of 7 days, and pay back the money at maturity, which can be extended, with an interest rate of 30%." This kind of behavior is not only an illegal "beheading loan", but its annual interest rate is as high as more than 2800%. At the same time, lenders also said that they like to lend money to students, because students have simple social relations and are "afraid of losing face". "When we review your information. If you don't pay back the money, we will call your parents directly, blow up your address book and go to school to find someone. " Ministry of Education 20 17 makes it clear that any online lending institution may not issue loans to college students.
Seven,-"ID card loan" caused a lot of chaos. After the ID is bound, the lender can lock the user's mobile phone through Apple's remote locking device function, and even erase the mobile phone data. Many netizens said that after they bound the id as required, the lender did not lend money, but directly extorted the "unlocking fee" from them; Some netizens have been asked to pay extra money many times after paying the principal interest as required, and it is still difficult to unlock the mobile phone.
Eight, the regulatory authorities should strengthen cooperation. Victims need to keep evidence to protect themselves. Many borrowers were lucky at first, thinking that it was just an Apple ID, which would not affect the use of mobile phones. Andy said that many users only registered their accounts when they first used their mobile phones, and then they never paid attention to the related use and authorization. They are even less aware of the consequences of binding someone else's ID, and often regret it after falling into the pit of "ID loan".