Bank card use security

1. Current status of bank card use

According to the overall situation of the payment system operation in the fourth quarter of 2014 released by the central bank: As of the end of 2014, 4.936 billion bank cards have been issued nationwide, and 12.034 million merchants connected to the inter-bank payment system of bank cards. In the fourth quarter of 2014 alone, there were 17.046 billion bank card transactions nationwide, with an amount of 117.15 trillion yuan, an increase of 28.90% and 4.80% year-on-year respectively.

Compared with cash payment, bank card payment is more convenient and faster, whether it is POS consumption or online shopping, you can use bank cards. At the same time, after the bank card is lost, the user can report the loss to the card issuer in time to ensure the safety of funds, and the bank card can also provide users with various value-added services. Judging from the current situation, bank cards have become an indispensable payment tool in people's lives. However, while users enjoy the convenience of bank cards, security issues such as copying and swiping are also common. According to a survey by a credit card professional website, the risk of bank card transactions has changed rapidly and in many forms in recent years, and it has made ordinary people deeply feel that the risk seems to be unpreventable.

2. Bank card transaction risks

(1) Network risk

In recent years, China's e-commerce has developed rapidly, and the "booster" for the rapid growth of online shopping consumption is the rising online banking and third-party payment industry. Due to its specific settlement methods, online shopping consumption has rapidly increased the number and amount of transactions, while directly driving the simultaneous development of online banking and third-party payment industries. However, it is precisely the scale of the network payment market that is constantly expanding, and the corresponding network payment security issues are becoming increasingly prominent. The main methods of online payment risk are to set up "phishing" websites (including bank websites, well-known sales websites), send fake link URLs, emails, and stolen number software through website links, instant messaging tools, etc. to deceive online shopping users' credit cards , Bank cards and other information, and then steal user funds.

(2) Terminal risk

While bank card consumption is constantly threatened by network security, risks from bank terminal equipment are also quietly emerging. Bank terminal equipment mainly includes ATM machines and POS machines. According to statistics from the Central Bank, as of the end of 2014, there were 15.935 million connected POS machines nationwide and 614,900 ATMs. Behind the large-scale development of bank card terminal equipment, it also brings new hidden dangers to the security of bank card transactions. Criminals use additional equipment to steal bank card information for ATM machines and POS machines to steal user bank card information. Furthermore, the production of "copy cards" for theft or illegal cash-out has caused property losses to cardholders, resulting in a large number of legal disputes between cardholders and banks, which has aroused more and more social concerns.

(3) Risks of self-service banks

From the cases already announced by the media, the crime of self-service banking has become a major hidden danger of bank card crime. Its forms include: dropping the bank card that is in operation after "touching the porcelain" to the cardholder who is operating, or directly operating the Of cardholders have threatened robbery, and even vicious cases of murder and robbery have occurred in self-service banks. Although most of these vicious cases have been cracked, the consequences are quite bad. More notably, compared with the risks of online banking and bank card machines, although self-service banks have installed security monitoring equipment, the self-service bank ’s theft risk has unpredictable randomness and sudden characteristics, which The cardholder lacks corresponding and effective preventive measures, resulting in such a theft risk may occur immediately and instantaneously.

3. Preventive measures for the safe use of bank cards

(1) Online shopping safety precautions

1. Use a secure website. Cardholders should not use bank websites with unknown links when making online payments. Check the name and logo of the website carefully when logging in. Try not to operate online banking or conduct online transactions in Internet cafes and other public online places.

2. Understand the online merchants trading with you. Choose a well-known, reputable website that has been in operation for a long time and cooperates with well-known financial institutions to understand whether the data in the transaction process has a secure encryption mechanism. Shop with a familiar or well-known manufacturer to avoid being caught by not knowing the manufacturer. Misappropriation of bank card numbers or other personal data.

3. Check account balance and details regularly. If you find abnormal transactions or account errors, you should contact the bank in time to avoid losses.

4. Set a complex password as a separate online banking password.

5. Protect personal information and prevent account theft.

(2) Security prevention techniques for bank card terminals

1. Before handling the business, please pay attention to check whether there are foreign objects installed or pasted on the ATM equipment card slot, cash outlet, keyboard and other parts of the machine. If any suspicious phenomenon is found, please report it to the bank immediately.

2. When swiping for consumption, the card will not be out of sight. When swiping a card in a public place, pay attention to the number of times the cashier swipes the card. When entering the password, block the password keyboard with one hand to prevent others from snooping on the password.

3. After swiping the card, you should carefully check whether the card number, transaction date and transaction amount on the purchase order are correct, and whether the card is your own card.

4. Please keep the stub link of the merchant's billing statement as much as possible to check with the bank card statement. If an abnormal situation occurs, such as repeated deduction of the card, you should contact the bank in time.

(3) Security prevention techniques for self-service bank theft

1. Pay attention to whether the withdrawal environment is safe and try not to go to the self-service bank alone late at night. If someone is too close to you and has suspicious behavior, please leave immediately and switch to an ATM in another location.

2. Don't believe in "goodhearted people". When being distracted by others, cover the card slot with your hand to prevent the fraudster from arranging the card.

3. During the operation, avoid interference from others, prevent others from peeping at the password, encounter card swallowing, and not spit money. You should call the issuing bank's national unified customer service hotline to get in touch with the issuing bank in time.

4. Before swiping the card in the self-service bank access control system, please pay attention to whether there are traces of modification in the access control.