What if the bank card is stolen? How do scammers steal your bank card?
Because many people don’t understand the rapidly developing third-party payment platform, in their minds, as long as the bank card and password are safe, their accounts are safe. In fact, to ensure the security of personal bank accounts, we should also pay attention to protecting personal information, such as ID number, bank card number and mobile phone number. Once this information is leaked, it is likely to bring you huge losses.
With the widely used third-party payment platform at present, after the third-party payment is bound by inputting information such as ID number, bank card number and mobile phone number, the transaction can be completed only by inputting the payment password in the subsequent transaction, and the bank card password is not needed at all.
The first two cases provided by the police have one thing in common with the theft of the bank deposit of the working lady: the cardholder’s bank card and password have not been leaked. So, how did the criminals succeed?
According to professionals, criminals generally publish some false information by phone or SMS. Common contents include handling large credit cards, increasing credit card quota, and exchanging points for cash. It is nothing more than tempting you with some benefits. If you contact them, it is only four steps away from your account being stolen by criminals.
Step 1: The criminals will ask you to provide your bank card number, ID number and mobile phone number on the grounds of handling business.
Step 2: The criminals use the above information to open an account in your name on the third-party payment platform and bind the bank card.
Step 3: The criminals use the pseudo base station to implant Trojan virus into your mobile phone, intercept the transaction verification code and other information sent by the third-party payment platform, or make you actively inform the transaction verification code and other information by deception.
Step 4: Enter the transaction verification code, and criminals can directly consume or transfer money on the third-party payment platform.
Carefully identify the theft scene. You may be recruited in the following situations.
The methods of swindlers stealing bank accounts are becoming more and more sophisticated, and the methods are constantly being refurbished. From the initial glue to seal the ATM cash outlet, playing with the double reed to change the copy card, to put the fake bank customer service phone on the ATM screen, to install the hole-detecting camera at ATM, to set up a phishing website online, and to use WIFI to steal the mobile banking information, the scientific and technological level of scammers has gradually improved. Even the above-mentioned four steps to get your bank card without password, and what other scammers steal your bank information.
Scenario 1: Using the phone to trick customers into stopping their mobile phones and stealing their credit cards.
Cheater means: First, steal the personal information of customers from phishing websites, such as name, ID number, mobile phone number and credit card information, and then dial the customer service phone number of mobile phone number, such as 10086 and 10010, and check the ID number with the customer service staff to apply for mobile phone shutdown. In this way, although most customers apply for a reminder of mobile phone fund changes, once the scammer applies for shutdown, they can’t get a short message reminding of fund changes, so the scammer can easily steal the customer’s credit card.
Solution: 1. The registration information of any website should not leave all information such as name, ID number, mobile phone number and credit card number. 2. The customer service of the credit card sets the telephone inquiry password (don’t use the commonly used numbers or birthdays instead). 3. The service of the bank credit card website is set to the service mode of telephone short message+paper statement.
Scenario 2: Using WIFI to steal the information in the customer’s mobile banking.
Liar means: Free WIFI is generally available in places such as McDonald’s, KFC and Starbucks, but you need to enter a password. Many criminals take advantage of the user’s laziness in asking for the wireless password to build their own WIFI, and its naming is also deceptive. Many of them are similar to the store names Starbuck1 1 and McDonalds 1, but many customers don’t understand that once they connect, they will be easily fished. If it is phishing, the operation records of mobile banking and WIFI login will be copied and analyzed and cracked by criminals. If customers log in to mobile banking, their bank account information will be easily stolen.
Solution: 1. Check the login name of WIFI carefully before logging in, and it is best to ask the service staff in the store to avoid being fished. 2. Try not to use WIFI to log in to a bank account or mobile banking in public. 3. Try to install anti-phishing software in your mobile phone.
Scenario 3: Online shopping sets phishing links for credit card fraud.
Liar means: criminals fake website stores and first publish low-priced online shopping products on the website to attract customers. Once a customer places an order and needs to buy it, he claims that it is temporarily out of stock, then prompts the customer for a refund, and sends the refund information or link through the chat screen. Once the customer clicks, the credit card information will be stolen immediately, and it will be stolen after copying. Although most cardholders think that online shopping needs to pay passwords and mobile phone authentication codes, it reminds customers that many customers like to use fast payment transactions, which do not need to pay passwords. Most banks’ fast payment methods only need to provide customers’ CVV2 code (three digits after the signature area on the back of credit card), expiration date and mobile phone verification code, and criminals can obtain the mobile phone verification code through dialing software, so that they can easily steal the card.
Solution: 1. Online shopping products will be refunded as soon as the merchant says they are out of stock, but be careful not to click on the link address sent by him. Although it is convenient to pay quickly at present, it is recommended to pay by online banking. 2. Once you click on the link by mistake, you must immediately call customer service to stop payment by credit card, and call 110 for help as needed.
Scenario 4: Bank Card Cloning of Credit Card Machine
Cheater means: some unscrupulous traders sometimes swipe their cards twice when customers are not paying attention. Before swiping the POS machine, they secretly swipe it on another POS machine. With this swipe, the machine immediately records the information on the customer card. When the POS machine is swiped again, the customer’s password is peeked and recorded. After the customer leaves, the shopkeeper inputs the card information with an empty bank card, and immediately makes a clone card of this bank card on the spot and steals it, which makes the customer suffer huge losses.
Solution: 1. When spending by credit card, don’t let the clerk swipe his bank card on his behalf. 2. If there is an abnormal SMS prompt, you must immediately call the bank customer service phone to find out the reason.
Scene 5: The bank asks you to change your card after returning to China.
Cheater means: In April last year, a customer took advantage of the Qingming small holiday and went to Malaysia to play. After returning to Hangzhou, I immediately received a customer service call from CCB Credit Card Center, reminding the customer of the risk of credit card consumption in a merchant in Malaysia and offering to replace her credit card for free. Coincidentally, Mr. Li, who had been to Thailand in the same month, also received a card replacement suggestion from the Industrial Bank Credit Card Center after returning home. Credit card theft in Southeast Asia has always been very serious, because in shopping malls in Southeast Asian countries, each brand counter has an independent POS machine, which makes it easy for individual POS machines to be tampered with, thus stealing cardholder information. When you swipe your card at some smaller merchants, the risk of stealing your card is doubled.
Solution: 1. When spending by credit card in Southeast Asian countries, you should choose regular and large shopping malls, which can relatively reduce certain risks. 2. After returning from the tour, you’d better go to the issuing bank to change your credit card. 3. In addition, unlike magnetic stripe cards, cardholders may wish to apply for a financial IC card (chip card) because it has a higher safety factor and the data in the card is less likely to be copied.