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CUP has a
statistics, until now, the number of bank cards issued in China has more than 1.6 billion, an average of more than one. A few days before the program where we focus on the various types of bank card fraud, and the corresponding preventive methods. Maybe you will want to - and my bank card safe? If the individual has done enough to take precautionary measures, the bank card to be safe? Look at a case in recent years has shocked the industry.

2003 years of an afternoon, received Public Security Bureau in Jinan City, Shandong Province with the report. Report of the situation is very special.

victim Wang: After the Spring Festival has just passed, just go to Beijing on business, my wife gave me to do a card there ten thousand dollars to a total time consumed in Beijing there are more than four thousand dollars, this card there should be six thousand, there is no action, then check back card has no money.

Mr. Wang has repeatedly explained that he only spent more than four thousand yuan, the wife in the bank inquiry found that the remaining card is the money taken from the ATM machine was out of the ATM location is neither Beijing nor Shandong, but in Tianjin.


victim: I've never been to Tianjin, but you have not been home to say, she did not believe war to downtown every day, every day, clamoring to be doing the divorce.

In addition to these together, Jinan Municipal Public Security Bureau has received a number of consecutive banks and individuals reported, the situation is exactly the same with Mr. Wang, the bank card has been with me, did not reveal the password, the money - do not.

Summary
after police found these cases, the victims lost all the deposits in different places with a bank card was taken away from ATM machines, ATM locations related to Beijing, Tianjin, Shijiazhuang, Jinan, Nanjing, Shanghai, Kunming and other cities and a number of banks. Victims of such a large scope and involves many, very rare before, investigators involved in these cities immediately from the Taking a bank surveillance video and found that the perpetrators actually the same person.


Jinan Public Security Bureau Criminal Detachment Instructor Zhao Yongqiang:
after transfer video to see it, it is a disguised withdrawal,gold christian louboutin shoes, wearing a brimmed hat this long, wearing
the glasses, also wearing masks, and sometimes marked with an umbrella, the camouflage it, this person is only an outline, should be said that a young man, what the specific age, feeling younger, and then a height Yi Miqi should be about eight to meter eighty, slim body.

Although the information
determined by video recording of the young man is a suspect, but hard to find him at the same time, the rampant around the figure continues to appear frequently before the ATM machine, or even make a variety of provocative gestures .

order to solve the case as soon as possible, public security organs in seven provinces and municipalities set up task force about the same time, a nationwide hunt for the suspects. Six months later, and finally a certain Internet cafe in Beijing, Jinan Police suspects Fang Xiaojun within captured and brought to justice. This has always been a loner, the perpetrators involved in the seven provinces, to steal another person's bank card deposit of several million dollars, there are only 19 years old robber.

arrest, the Fang Xiaojun account of his time reading the vocational high schools to learn some computer knowledge, soon after graduating, he wrote a software program, using the software, he into the banking network, turned down by entering the password and the password to find consistent ways to steal bank account number.
Jinan Municipal Public Security Bureau Criminal Detachment
Instructor Zhao Yongqiang:
I assume a password, I assume that a complex password, and I went on the test you go to the library, is there, and my password match, / machine automatically to start the search, and a night's fastest time, we try However, it is a second or so, to test a number, a success can be measured at 4 1000-5 thousand card number, card number to a large number of let him out to the test, very simple.

a lot to steal other people's bank card number and password, Fang Xiaojun use and various types of magnetic card reader card reader, ######## bank cards cloned, and then around the ATM machine to withdraw money.

suspect Fang Xiaojun:
I think if you do not understand this, you feel very mysterious, but you know if this thing is not how complex.

in Fang Xiaojun's residence, police found two notebooks, which packed all his records stolen bank card number and password, and the amount of the deposit card, according to statistics, these also the money did not have time to steal more than 1200 million. More frightening is that Fang Xiaojun get in the money after the numbness gradually become just want to seek excitement, he had made a post on the Internet, the modus operandi of their grasp on the network traffic transmitted. Fang Xiaojun six months after the arrest, but also some people who commit crimes in the country, the technique is very similar with the Fang Xiaojun. Jinan police shot again, eventually Taiwanese criminal suspects and their associates in one fell swoop arrested Chen library, Chen library account, and his modus operandi and tools, it is we got Fang Xiaojun.
Note that even if the cardholder himself
prevention, criminals may still encounter black hand, this is a worrying phenomenon. Journalists tried to enter the top in Baidu The reporters also found in several online chat group, a communication on how to steal credit card information and clone bank cards, and some trading card reader device, blank magnetic cards and other tools, or even sell the identity of the cardholder bank card information ... ... all , startling and shocking.

CUP Yan Qiang, Executive Director:
so that these things do not improve the legal awareness of those people who is a great temptation,men moncler, causing them to commit a crime, / That the perpetrators of crime is relatively low threshold,

Economic Crime Investigation Department of Public Security Zhang Tao, deputy director:
online crime such communication, abetting, teaching, communication, it is indeed a new social problems of today, / Now it should be said a bit hard to prevent the situation, / because he always updated, he always has information. So from this virtual world that exists to fight crime is indeed a new topic for us.

recent years, the bank card fraud rampant, the public security departments have attracted attention this year, April to July, the People's Bank of China Ministry of Public Security jointly launched a bank card crime is a special remediation action, a large number of bank card fraud cases have been cracked, and achieved significant results.

Economic Crime Investigation Department of Public Security Zhang Tao, deputy director:
January to August this year, public security organs cracked more than 2,300 such cases from the reach, and more than doubled compared to last year, and to restore the economic losses of more than sixty million yuan, it also increased by 1.2 times year on year , indicating that the results are significant. During this period it wiped out a number of foreign or domestic and foreign criminal groups colluding to thwart their attempts to come to the mainland during the Olympic Games a great fishing this attempt, so we like this has reached the intended purpose.

However, with bank card fraud trend of rampant crime, public security organs that rely on the public security department for investigation and combat, is not enough.

Economic Crime Investigation Department of Public Security Zhang Tao, deputy director:
bank card must be taken to combat crime, prevention, management, and to fight anti tube construction, multi-pronged comprehensive approach can effectively curb, hit is not simply relying on you, you are very hard to do that against.

defense, since it is proof, you need to come together in all aspects of defense, in addition to prevention through advocacy to enhance awareness of the cardholder, the banking sector is also vulnerable. Look at my hand of cards, bank cards can be divided into two types of credit card, a debit card is, we just say that the majority of cases involved is a debit card, but in the bank card fraud, there are Some are specifically for credit cards, and such a crime to succeed, often exposed on the banks of the vulnerability management and audit.

2008 年 4 months, Shenyang City, Liaoning Province Public Security Bureau of Economic Investigation Detachment access to information, a bank issued credit cards and more malicious overdraft, can be linked to these users when the bank, the person said they had never handled a credit card.

party interview 1
bank called me and let me go to the repayment, and I know what is not, ah, I did not do card ah.

party interview 2:
puzzled I was to, ah, ah do not, ye of this?

Zhang investigators were involved over a hundred thousands of credit card and transaction information for analysis compared one by one, finally found a valuable clue, through hard external investigation, the suspect eventually Li Jiang and his accomplices arrested brought to justice. The Li Jiang arrested after he explained the other two are being implemented out of the same crime gangs, the police immediately at Shenyang and Jinan, the other two gangs destroyed.

three groups, all other identifying information to apply for fraudulent use of credit cards, overdraft malicious illegal cash, amounted to over one million RMB. So, how do they falsely claim it? The suspects in the implementation of fraud before the first unit does not exist, a fiction. After they imaginary units in the media to publish the name of the recruitment advertisements.

Shenyang Public Security Bureau of Economic Investigation Detachment team leader Wei Zhiyong:
that terms of employment is very low, so there will be a lot of people go to candidates, candidates at the same time is bound to make you show ID, fill out the form, so he easily got the identity of these people.

suspect a lot of other people's identities to obtain information, and then forged the seal of a unit for issuing proof of income, and then to the identity of these people to apply for bank credit.

suspect Li Jiang:
combined with our pre-ready for this unit, to reach up to him inside the unit, working in a department to do, what specific information to write all these, and over again to these things is to fill After leaving us a foundation to take this thing completed, leaving the Bank of the foundation is waiting for a phone call.

impersonation information credit card applications submitted after the suspects began to wait for the audit staff phone banks, which, they are extremely well prepared.

Shenyang Public Security Bureau of Economic Investigation Detachment investigators Yuan Xin:
the phone said he had been brought white power show, which verify a dozen phone bank he could see, I saw a Guangdong Development Bank, and the GF on the table the table to read from.

suspect Li Jiang:
After the bank called it
We turn to that to find to find John Doe Joe Smith, we Zhangsanlisi the information out, written by Zhangsanlisi information, the bank asked where pieces of that piece of our children, do not ask, we never speak out of turn.

call from the bank staff, the so-called audit can be described as extremely simple.

Economic Crime Investigation Department of Public Security Zhang Tao, deputy director:
bank card in the process of the financial sector, when one is to check their identity information is correct, the other is not whether the person to hold the card I want to rigorous review, and if agents would be more strict, including to check his identity information, according to the relevant government departments through the library to verify this information, to prevent criminals use this to steal other people's real identity information to carry out criminal to succeed, to the crime.

In fact, China Union Pay and the commercial banks jointly set up a bank card risk management committee, had recommended approval of the relevant banks to strictly control credit, the development of relevant measures. For example, I hold my ID card as required to the bank to accept face trial, and the information submitted by the applicant verifying the authenticity of detail, the use of systematic verification of the People's Bank credit applicant's credit status, the use of risk information sharing system CUP verify have a bad record; strengthen the marketing intermediary agent to prevent the risk of credit card applications and more. But for competition bank card business, some banks in the implementation, in order to pursue business volume and reduce the threshold to apply for bank cards, card management and audit on the existence of loopholes, so that criminals see the opportunity.

CUP Yan Qiang, Executive Director:
the past is indeed the pursuit of a group of card number, employing a number of groups in society, what some companies to card issuers. So that is our key to the approval of the banking sector to act in strict accordance with the rules and regulations, to be able to guard against credit card counterfeiting, impersonator of this risk.

Economic Crime Investigation Department of Public Security Zhang Tao, deputy director:
the financial sector in the management, the issuing of this threshold not too low, including the pos machine, then after you have made a strict management and inspection system for the ATM machine, pos machine inspection system,juicy swimsuits, including the receiving bank cards verification of the identity of these people, etc., from this aspect of management is one I think as long as the strict part of that card may be able to plug the many gaps, so the economic benefits at the same time must pay attention to safety.

the various types of bank card fraud among the most frequent is the theft of card information and passwords to others, and then steal money by clones Weika. Large number of cases occur naturally related to a problem, as an important tool for financial payment, bank card, why so easy to counterfeit copy, the current technological level of China's bank card and risk prevention what what?

the face of bank card fraud frequent situation, in order to improve the technology to prevent the level of commercial banks had taken a bank card technology systems improvements. Today we use a bank card, in addition to card number and password information, but also adds a CVV code validation, is the bank in its use of bank card number and magnetic stripe data format encoding rules, by adding a custom encryption algorithm verification code. Because different banks have different encryption algorithms, so the illegal copying of Kelong Ka in the issuer decryption will be detected.

Construction Bank Wang Yi, a vice president Kim:
so, we have double protection, so that the criminals are not as we do, the bank's related information. Our current technology, you know our password, to know our account, and you want to copy is not very easy.

this technology upgrade, the bank did significantly reduce the probability of card information is compromised, but the criminals will be deterred on this it?

2008 年 5 months, Ningxia Yinchuan City Public Security Bureau began to receive the public report to reflect that they take money out of a station shortly after the ATM machine, bank card into the remaining savings are zero, involving more than 50 million . Ningxia Police investigating more than a month of detailed and arrested the three suspects and found that the perpetrators use the equipment is not complicated, is to spend 7000 dollars on the line from hand to buy a laptop computer, a card reader to read and write and a MP4. They will be disguised reader card reader into the ATM machine, in connection with the computer, when the victim to use this ATM machine, bank card, read all the information to be intercepted, but was disguised on the ATM MP4 machine at the top, and photographed under the cardholder entered password. Access to this information, several perpetrators turn the bank card information and passwords to the on-line, cloned from the false charge of on-line bank card, to them, their ATM machines to steal, according to a criminal suspect be accountable, except for the card is invalid, most ATM cards copy the success of this case the banks once again sounded the alarm.

CUP Risk Management Manager Peng Guilin:
magic one foot high ridge road, which is actually a battle with the evil of this process, and often such a fraud that he is more initiative, more interest because of his driving, but is often easier to prevent passive and easy to lag, so in this regard, we are going to continue to keep up with the development of such a situation, it is necessary and timely to study these features of such a crime, type, in the technical aspects of a method to this capacity and to improve our means.

there any technology can more effectively prevent bank card information stolen copy it? Zhao Yongqiang, Public Security Bureau in Jinan City, Shandong Province, investigators, has been involved in many incidents of large domestic bank card fraud detection work of criminal cases. Process of handling cases, he bank card at home and abroad the evolution of criminal activities carried out special studies.

Jinan Municipal Public Security Bureau Criminal Detachment
Instructor Zhao Yongqiang:
hackers to attack, or the criminals find a loophole, you go to plug loopholes, in fact, is we said WINDOWS system, gradually improved, how loopholes, I used to paste up a patch is the same, is also a development process, in fact, now more advanced approach is to use chip technology.

Economic Crime Investigation Department of Public Security Zhang Tao, deputy director:
actually a big problem that is still made most of our bank magnetic stripe cards, should be sent quickly into the chip card, can be greatly compressed space of its crimes, it is difficult to be copied, because it is difficult It simply asked the technical content (magnetic stripe card) is not a grade.

present, the vast majority of domestic bank cards are issued by a magnetic stripe card, the fifties of last century as a technology, magnetic stripe card information can easily be read as early as has been the technical means to grasp and crack. Because of its simple, in some cases cracked, and even criminals are free to use some function of magnetic stripe card can be copied to write into the bank card.

from the fifties of last century to the present, half a century later, the bank card from the magnetic stripe cards to chip technology upgrade has been a general trend in the international arena.

Personal Banking Department of China Construction Bank Wang Yi, Vice President:
the international organizations in China that EMV migration is pushing the technology, in fact, the EMV simple
explanation is that all the magnetic stripe card into the chip.

CUP Yan Qiang, Executive Director:
you like our country's surrounding regions, including Hong Kong, Taiwan, Singapore, Malaysia, South Korea, Japan, and then have been completed and about to complete upgrading of the bank card, that is, magnetic stripe cards to IC cards by the transformation of work.


to chip card technology with the password input is regarded as a tool to curb credit card crimes, criminals can effectively prevent the theft of information and replication. In 2006 the People's Bank of China has been completed and issued a smart chip card technology standard, but two years later, the domestic banks to promote an exception in this respect is slow, handicap and where?

Personal Banking Department of China Construction Bank Wang Yi, Vice President:
replacement if necessary costs, the Construction Bank has one hundred ninety million debit cards, if we change the chip card, our costs are very large.

CUP Yan Qiang, Executive Director:
Now many of our ATM machines and credit card pos machine above the IC card is also not able to read, these machines need to be modified, then the cost of transformation is quite large, we have 1.6 billion cardholders, each cards to increase the cost of more than 20 dollars, also means that hundreds of billions of investment, so this investment is quite large, so that is needed to government guidelines, each related to all aspects of the industry chain the positive input to the common to promote the bank card risk prevention work.

CUP Risk Management Manager Peng Guilin:
you as an industry, he is not a card, a card can change your machine from our POS to back all of our banking system, all of our network is a new kind of his thing Therefore, we after ten years of development, just put a whole facility has just set up, he does not play its due effect, you are now again he reinvent the wheel, so that he was going to an industry to bear such a cost, your cost and risk it, there is a balance between

input costs,christian louboutin barbie, have been bankers estimate, from the current magnetic stripe card technology to replace all the chips, a conservative estimate of nearly one hundred billion will be invested, it is such a huge investment, making the risks and benefits of bank looking for a balance between, and therefore, the bank card technology upgrading has been slow. But, after all, our bank cards bearing the financial security of each user, but also related to the financial business security issues, it is inevitable when the lure of profits to become the target of criminals, to curb credit card fraud to law enforcement agencies must be , the majority of bank card users, including banking institutions to face the issue, if it is a race, we hope that banks will not be left behind.
good for five days, we are concerned about credit card crime, concern about the safety of your bank card, I hope you can guard against these practices, to improve prevention, protect their bank card information and protect your password. As the Ministry of Public Security Zhang Tao, deputy director of the Economic Investigation Bureau said, to curb bank card crime, fight against tube construction, multi-pronged approach, you will be in place to prevent, to have been involved in a special contest this.