However, when you enjoy the convenience brought by the bank card, security problems such as * * and stolen brush are always with you. There are indications that the current methods of stealing bank cards are constantly "bringing forth the old and bringing forth the new", and the traditional methods of stealing cards, passwords and swiping bank cards are "out of date". Some lawless elements turned their attention to POS card swiping machines. Is your bank card safe?
"Peeping password": It's out of date.
On many ATM machines, you can see security tips such as "Please pay attention to cover when entering the password". Because voyeurism is a common behavior in traditional means of committing crimes.
20 14 A case happened in Nanjing: A consumer invited customers to dinner in a hotel in Gulou District, and the waitress took the initiative to take the card to the front desk to pay the bill. As a result, consumers soon found that the card was stolen. In fact, this is a gang with bank card information. They sent some young women "lurking" to hotels and entertainment places in some big cities as waiters, with "cat machines" with bank card information. When they swipe their cards, they use the bank card information of the machine, peek at the password entered by the guests, and then transfer the information to their associates.
Ms. Lu from Shaoxing, Zhejiang Province was also swiped by the cashier when swiping the card in the supermarket, peeping at the password, resulting in the card being stolen. There are many similar cases.
In these cases, "password peeping" seems to be an element. But in fact, with the development of technology, even if your bank card password is not seen by others, your card can still be swiped and stolen, and there is no need for "spies" to lurk.
On May 13, Wuhua Branch of Kunming Public Security Bureau announced such a case. This time, the criminal's means are more direct-modify the credit card reader to steal the information and password of the bank card, and then sell or rent it to the merchant. When a consumer swipes a card at a merchant with a modified card swiping machine, the bank card information is stolen. The gang captured by the police has 16 suspects. They illegally stole the information of more than 1000 bank cards and spent more than 50 victims on credit cards, totaling more than 2.9 million yuan. Because it involves Yunnan, Sichuan, Henan, Guangdong, Shanghai, Jiangsu and other places, it is difficult to verify that the actual loss of consumers may be far more than these.
The gang used these devices when refitting the card swiping machine: card swiping machine, decoding chip, electronic key film, mobile phone communication transmitter and memory card. Some of these devices are used to crack card information, some are used to record passwords, and some are used to transmit or store information. The gang leader is also very "high-end": a computer major undergraduate graduate, an on-the-job employee of a well-known IT Internet company.
"The means of criminals are becoming more and more sophisticated. The above methods are more scientific, more subtle and extremely difficult to detect. " Wang, a policeman handling the case, said.
Bank card information decoding: that's nothing.
Faced with many problems, consumers are caught in a dilemma when using bank cards.
In addition to stealing credit cards, it is also a big problem that bank card information can be easily deciphered. As a user of China Merchants Bank's credit card, the reporter has received a phone call from * *, and can report the reporter's name, unit, China Merchants Bank * *, and even make a purchase in the credit card mall. It is not difficult to find that many customers of China Merchants Bank credit cards have similar experiences, and some have been cheated. However, after calling China Merchants Bank, they can only get a reply that "we have learned about this situation".
Once the bank card has problems in the important link of use, it is almost inevitable that it will be stolen. In this case in Kunming, the victim took advantage of the sales loophole of credit card machines: there are more than 160 designated first-class agents for credit card machines in China, and there are many second-class and third-class agents below, plus many manufacturers, which leads to more confusion in the market. The criminal suspect then used this chaos to sell the modified credit card machine to the merchant through the dealer. "This dealer is affiliated with a secondary agent and signs contracts with others in the name of the agent." Police officer Wang said that the dealer didn't know that the equipment had been modified: "Generally, the credit card machine costs three or four thousand yuan, while the credit card machine he bought from the suspect only costs 1000 yuan. Driven by interests, he did not conduct a corresponding review of suppliers. "
"The bank card feels too unsafe, so I basically don't need a bank card." Ms. Wang, a Kunming citizen in her thirties, said that even the salary cards handled by the unit were cancelled, leaving only the passbook. Ms. Yu, a citizen of Kunming, has doubts about the sales method of credit card machines: "After all, equipment related to bank cards can be bought and sold everywhere. This is too unsafe. "
The key is who should compensate for the loss?
Consumers who suffer from bank card cloning and stealing will undoubtedly suffer heavy losses. Taking Kunming as an example, the amount of stolen brushes seized by the police is more than 2.9 million yuan, but so far only more than 200,000 yuan has been recovered.
In this regard, Li Chunguang, director of Yunnan Lingyun Law Firm, believes that banks are responsible for the property safety of depositors, which is both an agreed obligation and a legal obligation. Bank cards can be easily deciphered, which shows that the bank's guarantee obligation is insufficient or even seriously lacking. Banks should bear full responsibility to depositors for the consequences of property losses caused by this. It is neither possible nor realistic to hope that depositors can enhance their safety awareness and prevent bank card crimes. In some cases, depositors cannot prevent information from being * *, sent and stolen. Therefore, it is hoped that the rights and interests of depositors will be in line with international practice as soon as possible under the background that banking charges have been in line with international practice.
Gao Wei, deputy dean of the School of Law of Yunnan University, analyzed that in practice, if users have fulfilled their obligations to protect cards and passwords, there are many precedents for judging banks to bear all or part of civil liability.
The relevant cases learned by the reporter show that the phenomenon of bank refusing to pay compensation in previous years is changing, and there are more and more cases of bank taking the initiative to compensate, mediating compensation and awarding compensation. For many reasons, banks are also looking for safer bank cards, such as replacing magnetic stripe cards with chip cards.
"The confidentiality and impermissibility of bank cards require banks to constantly take measures to strengthen. After all, in the new situation, some cases can't be prevented by ordinary consumers unless they don't use bank cards at all. " Police officer Wang said.