Mobile phones can really steal bank card information

Do not need a password, as long as the phone close to the bank card, you can instantly the information in the bank card at a glance, and a stranger's mobile phone can also do ... Recently, an NFC-enabled mobile phone can check the bank card information posted in the network crazy biography, causing a lot of people's worries, mobile phones can really "seconds read" bank card information? Reporters tested the rumors that NFC-enabled handsets could read bank information are not fictitious. A few seconds to get the bank card information The reporter found a merchant bank chip card, a Samsung Note3 mobile phone with Alipay software. Open the NFC function of the mobile phone, and turn on the Alipay page to keep the bank card tightly attached to the back of the phone, bank card chip close to the specific area of the mobile phone, you will hear "Ding Dong", the phone on the instantaneous appearance of this bank card information: the card number 4 digits, electronic cash balance, the number of use, ID number of the first, the last, You can also view the last 10 transactions. In the transactions that can be found, there are withdrawals/cash payments, inquiries available funds, goods or services of several types of cards, but also to find each withdrawal or consumption of the terminal number, as well as the detailed time of the card, accurate to the second. After the information of the bank card is brushed out, the payment page will prompt the function of "opening fast payment" and "transferring money to the card". Reporters try to open fast payment, but mobile phone prompts "Please bind Cardholder's own bank card", that is to say, the bank card owners must and Alipay real name certification is the same person can bind. Try the "transfer to the card" function, click to enter, as long as the payment account function Normal, you can transfer the bank card. In other words, when you pay someone with your Alipay, the phone doesn't care who you give the money to. To change the construction Bank's chip card attempt, the same mobile phone, can also read out the bank card information: card number of the last 4 digits, electronic cash balance, the number of use and the last 10 transactions. However, no matter which bank card to change, the phone can not read the card's deposit balance. Subsequently, the reporter found with the chip Changan Tong Card, Xian City Medical insurance card attempt. The phone can successfully read the card number and the balance in the card, and the last 10 transactions. However, the medical Pauka in XI ' an cannot check the balance by this method. The mobile phone reads the bank card information must satisfy three conditions the handset has the NFC function to be able to read out the bank card information the handset, must have the NFC function, simultaneously installs the payment software. Many smartphones on the market are equipped with NFC modules, including Samsung, Nokia, Millet and other parts, but the iphone is not supported by most mobile phones. The bank card is the card which can be read by the mobile phone card is IC chip card. IC cards with memory, also known as memory cards or storage cards, can store a lot of information, as well as information processing capabilities. The magnetic stripe card does not have the chip, does not store the memory function, therefore cannot be read out. Mobile phone and bank card must be intimate contact with NFC-enabled mobile phone shell, mobile phone can not easily read chip card information, if the chip card into the card sleeve, can read CanetInformation, if the chip card into the wallet or trouser pocket, you can not be read out. The distance between the mobile phone and the bank card determines the difficulty of obtaining the card information, the nearer the distance, the easier it is to read. Expert answer why does NFC function read card information? NFC is a kind of near-distance transmission technology, the general effective distance of about 1 cm, beyond the scope of the readable probability is very small. Data security experts said. NFC, also known as short-range wireless communication, is a short range of high-frequency wireless communication technology, which allows non-contact point-to-point data transfer between electronic devices. Experts say such technology is similar to implanting a chip in a cell phone, which is similar to a bus card and a student canteen card, so that small payments can be made if the phone is installed. Currently, the mainstream mobile phones in addition to the iphone, basically configured NFC features. Will it cause money to be stolen the bank card chip is read by unauthorized people, will not lead to account money stolen? Experts said that the NFC function can be seen in concrete what information is determined by the financial institutions depending on the risk-controllable situation, NFC mobile phone can not read some chip card information, Because the card's management did not open the information to the mobile phone to read the port. NFC does not have access to a bank card but does not have permission to do so, so NFC does not directly result in the theft of account funds. Of course, does not rule out the criminals may read the bank card recent transaction record through the handset, analyzes the Cardholder Bank account Fund condition, and synthesizes the handset number, the ID card and so on many informations, through other technical means to steal the money the possibility. So the cardholder should remain vigilant. How to prevent transaction information from being read? Experts remind, mobile phone users must pay attention to the mobile phone NFC application software in some of the less formal application, to avoid being used by hackers, steal users to upload information backstage, or even direct theft of bank cards. Try to avoid the bank card and other people's mobile phones and other devices close contact, the usual place bank cards, try to avoid placing cards in the outermost layer of the package. Is it scary to look at the experiment? Although it is not very likely to be stolen, but more and more advanced technology makes us face more and more information loopholes, to protect information security, in addition to our own vigilance, it seems that there is no better way to plug the leak. Dot a Zan, this will not reveal your personal information, but can express your helplessness.