You should never put a bank card Pocket! -Fraudulent bank card, China UnionPay Flash-IT information
From Apple to Pay bank cards with Flash function, convenient payment experience in our daily lives-gradually-without a password, gently placed on the card reader, just a few seconds to complete the payment.
Meanwhile, bank cards stolen brush is very common, so we also preparedness skills align. But unexpectedly, even tight carry bank cards in his pocket, the stolen information is instantaneous!
What's going on?!
Instant read card information such as the ID card
Legal evening news journalist prepared a have Flash capabilities of bank cards, a security expert homemade card readers, as well as ancillary receiver and computer. Reporters noted that the homemade receiver is only the size of a bank card, only at one end by a few mm thick chips and antennas.
Put it on a bank card reader, about the same time, the card owner's information appears on the computer screen. Contents include the cardholder's name, identity card number, last 10 times, cash, transfers of consumption records.
Reporter and 6 other Bank-issued "Flash" cards were tested found that ID is not a "must-have" information, but through consumer records "mosaic" cardholder spending habits, even income levels is not that difficult.
5 cm-wide Wallet Pocket can also read
In order to verify that the card reader's "power", reporter reader "stop" at the top of the card, test the maximum reading distance. Found in two fingers thick, which can be read by nearly 5 cm or less; 5 to 6 cm with occasional signal; greater than 6 cm, no blockage is difficult to receive a signal.
But almost no one directly on the card table/Office read, usually a bank card in your wallet or card in the package, or at least put it in his pocket. Can this block data from being read then? Conclusion is negative.
Regardless of how many other cards or cash in the wallet, or purse on what kinds of clothes, separated by layers of cloth, as long as the card from the card reader is less than 5 cm, almost everyone can read.
Experimental Flash cards with a journalist in the wallet in a Pocket, attach a wallet card reader scans only slight sensation and in very short time. Or focus on cell phones in public places, so touch is not easily noticed. In addition, in the experiment, the security expert in gloves is hidden in the card reader, because of the small volume, if you do not see the Palm has the result of processes, are hard to find.
Security: a thin layer of tin foil can work
Look at the results, it seems that the banks hidden card to the inside of the bag, or "unstoppable." And, if those cards, "deep", and also lost the "Flash" of convenience.
To this end, the experts told reporters that as long as the purse on the interlayer of a thin layer of tin foil, can play a role in isolating signal.
Millions of records! The privacy password that leaked just leaked!
Journalists make unannounced visits, and a man named "old Yang" who caught the line. Yang shows a bank card reader (8000), brush on a bank card in the Replicator, the card information into a line-by-line code to appear on a computer, and a password.
Time journalists, copy the information to the other bank card on a bank card, takes only a short ten seconds.
Later, reporters receive a bank card information held inside. Among them, Shanghai depositor information of 38,000, 17,500/Shanxi savers, 150,000 in Shandong, Zhejiang 40,400, covering almost all the country's provinces, all of the cities, but banks around us, these leaks together all of millions of bank card information.
This information from the bank card number, card balance, a bank card password, date available, account holder's name, address, social security number, even a phone number.
Even more frightening is, after checking, all the information is correct. We have always thought that the most intimate password is no longer a secret
Send a copy of the most "bank card security guide"
Once the cards are distributed fraudulent, we should first prove himself, for example, you can immediately access to the Bank 100 dollars, and then save the access credentials, this shows that the bank card did you, money is distributed fraudulent. Immediately after the report.
It is revealed that if there is sufficient evidence of counterfeit cards in General, such as the fraudulent customers within 20 minutes, by way of proof card body, in accordance with the existing case, banks will compensate losses of between 50% and 70%.
1, and quickly replaced old magnetic stripe cards in hand!
Magnetic stripe card technical threshold is too low, was stolen in 10 seconds. At present, the major banks have universal chip card and chip card security better, find hard to replicate.
2, ATM cash withdrawal from using cards and more with dynamic password
Many people may not know, a number of banks have launched a "non-cash business card", open your mobile banking app requests limit, the Bank will tell you that a dynamic password, enter the dynamic code directly to ATM machines, money comes out. Don't need the card!
3, multi-channel bound transaction reminders
Such as micro-credit services, you can bind the individual banks to prevent bank text messages intercepted by Crooks, money was brushing away do not know!
4, is not a private channel to enter the password and verification code
Anything involving money only at the official mobile banking operations developed or mature payment platform of your choice, such as Alipay, micro-payment.
5, do not click on any links in the message, important to say it three times!
Even officially calls, text message asking you to do anything, pause! Call customer service consulting, verify the information true and false action. Now search the Internet a customer service phone is easy!
In short, there are traps everywhere, call the Bank first as the only buck, on your own
千万别把银行卡放裤兜里！ - 银行卡盗刷,银联闪付 - IT资讯
从Apple Pay到具有闪付功能的银行卡，便捷的支付体验逐渐深入我们日常生活——不用密码，在读卡器上轻轻一放，短短几秒钟就能完成付款。
同时，银行卡被盗刷现象很常见，所以我们也十八般武艺齐上各种防备。但万万没想到，就算把银行卡紧紧揣在口袋，信息被盗也是瞬间的事！
怎么回事？！
瞬间读取卡内身份证等信息
法制晚报记者准备了一张拥有闪付功能的银行卡、一个安全专家自制的读卡器，以及配套的信号接收器和电脑。记者注意到，自制的接收器主体也只有一张银行卡大小，只是其中一端多出了几毫米厚的芯片和天线而已。
把读卡器放到一张银行卡上，几乎同时，该卡片主人的信息就出现在了电脑屏幕上。内容包括了卡主的姓名、身份证号，最近10次的消费、取现、转账记录等。
记者又使用了另外6家银行发行的“闪付”卡进行了测试发现，身份证号并不是“必备”信息，但通过消费记录“拼接”卡主的消费习惯、生活范围甚至收入水平都不是什么难事儿。
5厘米范围内钱包放兜里也能读
为了验证读卡器的“威力”，记者把读卡器“停”在了卡的上方，测试其最大读取距离。结果发现在两个手指厚，也就是将近5厘米的距离以内都可以读取；而在5至6厘米则偶尔出现信号；大于6厘米，没有阻碍也难以收到信号。
但几乎不会有人把卡直接放在桌上任人读取，通常银行卡都会放在钱包或卡包中，至少也会放在衣兜中。这样能否阻挡数据被读取呢？结论是否定的。
不论钱包里有多少其他卡片或现金，也不论钱包放在什么材质的衣服里，中间隔着多少层布，只要卡片距离读卡器在5厘米以内，几乎都可以读取。
实验中记者把装有闪付卡的钱包放入裤兜中，读卡器贴上钱包扫描时只有轻微的感觉而且时间非常短。如果在公共场合或是正专注地玩手机，这样的触碰不容易引起注意。此外，在实验中，安全专家把读卡器藏在了手套中，由于体量很小，如果没有发现其手掌处有芯片造成的突起，很难被发现。
安全防范：薄薄一层锡纸就能管用
单看实验结果，似乎只有把银行卡深藏到书包内侧，否则就“防不胜防”。而如果把卡“深藏”起来，也就失去了“闪付”的便利性。
为此，专家告诉记者，只要在钱包的夹层内放上一层薄薄的锡纸，就可以起到隔绝信号的作用。
数百万条信息！最隐私的密码说泄就泄！
记者通过暗访，和一个名叫“老杨”的人搭上了线。老杨演示一个银行卡读卡器（价值8000元），银行卡就在这台复制器上刷了一下，卡内的信息就变成一行行的编码出现在电脑上，而且还有密码。
记者进行了计时，把银行卡的信息复制到另外一张银行卡上，只需要短短的十秒钟。
后来，记者收到内线掌握的银行卡信息。其中，上海市储户信息38000条，山西储户信息17500条，山东150000条，浙江40400条等等，几乎涵盖了全国所有的省份，所有的城市，而且涉及到我们身边的各个银行，这些泄露的银行卡信息加在一起足足有上百万条。
这些信息，从银行卡卡号，卡内的余额、银行卡的密码，到开户日期一应俱全，还有开户人的姓名、地址、身份证号码，甚至还有电话号码。
更可怕的是，经核对，这些信息全部正确。我们一直认为最为隐私的密码也不再是秘密了
送上一份最全的“银行卡防盗指南”
一旦银行卡被异地盗刷了，首先我们要证明卡在自己身上，比如你可以立即去银行存取一百块钱，然后保存好存取的凭证，这样可以证明该银行卡的确在你身上，钱是异地盗刷的。之后立刻报案处理。
据透露，一般如果有充分的伪卡证据，如客户在盗刷20分钟内，通过操作的方式证明卡在身上，按照已有的例子，银行方面会赔偿损失金额的50%至70%。
1、赶紧把手上那些老式磁条卡给换了！
磁条卡技术门槛太低，10秒被盗的就是它。目前，各大银行都已普及芯片卡，芯片卡的保密性更好，难以复制。
2、ATM取现少用卡，多用动态密码
可能很多人不知道，多家银行都推出了“无卡取现业务”，打开自己的手机银行app，申请取现额度，银行会告诉你一个动态密码，直接去ATM机输入动态码，钱就出来了。根本不需要插卡！
3、多渠道绑定交易提醒
比如可以绑定各家银行的微信服务号，以免银行短信通知被骗子拦截，钱被刷走了都不知道！
4、不在非官方渠道输入密码和验证码
任何涉及金钱的事情只在官方开发的手机银行操作，或者选成熟的支付平台，比如支付宝、微信支付。
5、不要点击任何短信里的链接，重要的话说三遍！
即便是以官方名义的来电、短信要求你进行任何操作，先暂停！主动打电话给客服咨询，确认信息真假再行动。现在上网查个客服电话很容易嘛！
总之，生活处处有陷阱，出了事银行首先只会推卸责任，只能靠自己
