It is easiest to crack the birthday password when bank cards are stolen frequently

On the morning of January 11, the reporter learned from the press conference jointly held by the Beijing Municipal Public Security Bureau and China UnionPay Co., Ltd. that the “second crime” of the criminal suspects stealing the victim ’s stolen bank card for cash withdrawal or malicious consumption has been Become a new trend of pickpocketing crimes.

Password setting is too simple

Mr. Shao's wallet was stolen while riding a bus. In addition to cash, he also had a bank card containing 130,000 yuan. Then the card was withdrawn many times, and he spent more than 40,000 yuan in various places. Xing Tiejun, director of the Public Transport Sub-bureau, said that in this case, the victim's bank card password was too simple, it was his birthday, and it was stolen with the ID card, making it easy for pickpockets to guess the password. Some victims even wrote the password as a small note and put it in a wallet, which is equivalent to a fake password.

According to statistics, stolen cards accounted for 7.4% of such cases because the victim put the password together with the bank card or the bank card did not have a password, and 39.5% used their birthday as the password.

The amount of fraud was 1.04 million yuan last year

The Shanghai police revealed at the meeting that in recent days, there have been a significant increase in cases of such pickpocket suspects stealing the victim's bank cards. Judging only from the reports of pickpocketing cases of bus compartments, there were 202 cases in the city last year, a three-fold increase over the previous year, and the total amount of fraud was more than 1.043 million yuan, with an average loss of more than 5,200 yuan, of which 32.2% The amount of loss in the case is more than 5,000 yuan.

Beware of self-service bank "access fraud"

Recently, China UnionPay Bank Card Anti-Fraud Center received many inquiries and reports on self-service bank access control. After cooperating with the public security and judicial authorities, China UnionPay issued a risk warning to prevent self-service bank access fraud fraud, revealing this Fraud.

There are three basic methods of self-service bank access fraud:

â–  Fake door access control information The card reader track and password buttons are assembled into a fake access control, which is installed on the self-service bank real access control at night. When the cardholder swipes the card on the fake entrance and enters the password, the device steals and stores the magnetic stripe information and password information of the bank card.

â–  Theft of card information is carried in the real access control. When the cardholder swipes the card, the card information is stolen.

â–  Sneak shot card number password Paste the pinhole camera on the real access control system to spy on the cardholder bank card number and password.

After stealing bank card information, criminals will sell bank card information to overseas fake card groups or directly make fake cards to steal cardholders ’bank card funds.

China UnionPay

â–  Carefully observe before swiping the card in the self-service bank access control system, please pay attention to whether there is a password keyboard or traces of modification in the access control; when swiping the card on the access control system, use your fingers to block the card number and other information on the card surface to prevent it from being peeped by the pinhole camera of the criminal.

â–  Waste card swipe door When entering the self-service bank, prepare a bank card that has been revoked for door access swipe.

â–  Protect the password True access control system does not need to enter the password. When withdrawing money from the ATM, pay attention to whether there are any extra devices or cameras on the ATM, and whether the password keyboard has been modified or has been filmed.

â–  Quick alarm If you find traces of suspicious access control or other ATM parts modification, or have swiped the card on the suspicious access control, please do not leave, you should immediately call the self-service bank customer service hotline or UnionPay anti-fraud center hotline (95516) Report and call 110 for help.

IC card technology will be promoted

Yan Qiang, assistant president of China UnionPay Co., Ltd., said at the meeting yesterday that there are obvious deficiencies in the security of magnetic stripe cards, because as long as the card number and password and other related information are obtained, it is entirely possible for criminals to forge a copy card . In contrast, IC cards are much safer. It is understood that the IC card implements security strategies from several aspects such as hardware and software, which can control the access characteristics of different areas in the card; the encrypted IC card itself has a security password, and if the criminals try to illegally access the data, the card will destroy. At present, UnionPay is gradually promoting the IC card technology, but it will take some time for its popularity.

In addition, Yan Qiang also revealed that after the emergence of "access fraud" and other criminal methods, some banks have increased their capital investment and started to add camera probes to self-service banks to monitor bank access control and other parts.