The central bank will teach you to hold the bank card illegally buy and sell bank card information will be severely punished

The leakage of bank card information in daily life is not a case, and the phenomenon of economic loss or bad influence has once been paid attention to. Recently, the People's Bank of China, the Ministry of Industry and Information Technology, the Ministry of Public Security, the State Administration for Industry and Commerce, the China Banking Regulatory Commission, the State Internet Information Office, etc. jointly issued the "Notice on Launching a Special Action for Joint Rectification of Bank Card Information", which was decided in September 2016. In April 2017, a nationwide joint campaign to illegally buy and sell bank card information was launched, and the bank card information disclosure incident will be curbed in the future.

Illegal stealing of bank card information

There are four main ways

"As long as the bank card password is not leaked, the card number or name information leaks, it should not have much impact on us personally." This is a Hangzhou citizen's understanding of bank card information disclosure, many people only know in life Bank cards don't know how to protect bank cards. They often don't know why when bank card information leaks.

When the relevant person in charge of the central bank answered the reporter's question, the main ways for illegal criminals to steal bank card information are: stealing bank card information through telecommunication network means; attacking related systems to steal bank card information; modifying bank card POS equipment, installing circuit boards and general-purpose The packet radio service technology (GPRS) transmitting module records the bank card track information when the victim pays for the card; collusion between the inside and the outside, through the e-commerce platform, commercial institutions, medical institutions, educational institutions, housing agencies and other institutions and individual banking financial institutions The staff of the payment institution and the staff of the outsourcing unit obtain the bank card information.

By means of telecommunications technology, hacking techniques and the transformation of bank card receipt terminals (POS machines), illegal elements have become increasingly rampant in stealing bank card information and stealing funds from the card, causing public interest and financial system security. A serious threat. The relevant person in charge of the central bank stressed that the goal of the special action is to form a powerful deterrent to the illegal trading of bank card information by lawless elements, effectively prevent the leakage of bank card information stored in various units, and enhance the public security of bank card information and network security awareness. Effectively protect the legitimate rights and interests of bank card holders.

Open SMS reminder

Save transaction receipt

In the Face of criminals stealing information, how can citizens ensure that personal bank card information is not leaked? In this regard, the central bank also gave advice on protecting the security of its own bank card information.

The cardholder should keep the ID card, bank card, online banking U shield, mobile phone, etc., and open the bank account change SMS reminder, carefully check whether the transaction type, transaction merchant and amount are correct, pay attention to account changes, check the account funds regularly. Transaction details and balance.

At the same time, do not arbitrarily discard the bank card to swipe or use the transaction receipt of the ATM device.

Do not trust abnormal information or phone

Beware of Trojan viruses

According to reports, for any bank card password and mobile phone verification code behavior, do not believe the attitude, do not provide bank card passwords and mobile phone verification codes to any channel outside the bank and payment institution business processes; do not send anyone with a bank A picture of card information and payment information. At the same time, do not trust or answer the abnormal information or telephone received. If you receive a call from a bank or payment institution, you should call the customer service again to verify.

Not only that, but also beware of Trojan viruses, do not click on SMS, web chat Tools or suspicious links on the website, do not log in to illegal websites, carefully scan the QR code of unknown origin, carefully connect to free Wi-Fi, connect free Wi-Fi Do not log in to online banking, mobile banking, payment institution APP for account inquiry, payment and other operations.

Change your card password regularly

Replace the chip card

When setting a password, do not use the same password, birthday, ID card number and other simple passwords that are easy to guess; do not use the bank card password as the password of other websites, APP, multiple bank cards do not use the same password, and change the bank card regularly. password. Effectively prevent financial risks, use bank cards with a small amount of funds or open individual Class II and Class III households for online payment. Replace the bank card magnetic stripe card with a chip card.

It is very dangerous to charge a high-value credit card. For example, the cardholder can obtain your real information and tamper with the mobile phone number. After the card is successfully used for personal use, it tells you that the card failed, so that you unknowingly owe it. Under the huge amount of card debt. In the face of such phenomena, you should be vigilant.

In addition, Hangzhou Bank industry insiders said that if there are idle credit cards or debit cards, the public should cancel as soon as possible. If they are lost or lost, there will be certain uncertain risks, and the loss will be too late.