Can POS machine brush money when passing by?

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 Can POS machine brush money when passing by?


Recently, there have been many cases of bank card theft and swipe in Guangzhou. Local police investigation found that many bank chip cards default to the opening of small-scale secret-free and non-sign (hereinafter referred to as micro-double exemption), criminal gangs with POS machines, committing crimes in crowded places, leaning on people, money was brushed away.

On December 17, Chengdu Business Daily - Red Star News reporters, through many experiments, found that using POS machine in close-range environment, can really brush off the money on the body or in the bank card. The common features of these cards are: chip cards with the words flash quickpass printed on the surface.

Cardholder

Several cardholders who participated in the test questioned, When will they open the micro-dual exemption? I dont know at all.

Bank customer service

The function is opened by default, with a single maximum of 1000 yuan. If you do not need to use the function, or are worried about the risk, you can apply for closure.

UnionPay official website

The protection of the cardholders right to know has been fully emphasized since the establishment of the double exemption business. Continuous tracking and promoting banks to do a good job of cardholder business notification, the main commercial banks through the official website to their cardholders to inform the double exemption business.

A

Reporter measurement

Successful brushing theft:

The money in the bag with the POS machine close to the bag with the bank card will be brushed away.

With POS machines wandering in the street, it should be easy to find when they are close to the body. How did the criminals brush the money away? According to the local police in Guangzhou, they would put a set-up POS machine into a thinner small bag, then find the right object, and then rely on the past to feel, the money in the card was brushed away.

Can all bank cards be swiped? Under what conditions can they be stolen? To this end, Chengdu Business Daily - Red Star Journalist simulated a variety of situations to test.

A: The wallet is stuck in the wallet and the wallet is in the trousers.

Some men usually dont have the habit of backpacks. They put money and cards in their wallets and go out in their pockets. Reporters put a bank chip card with small and double exemptions into a mans wallet, put the wallet into the bag of his colleaguesclothes and trousers, and then put the POS machine with good consumption amount into the handbag to cover up. Next, to simulate the crowded bus situation, while colleagues do not pay attention to the location of the handbag placed close to the wallet for induction, a drop after the POS machine has been successfully swiped. Finally, the bill pops up, showing the amount of the transaction, and prompts that the amount is not more than 1000 yuan, without signature.

B: Theres a bag on your body and a card in it.

Some women need to carry bags, handbags or slanting wheels when they go out. Reporters put the bank card into the inside of the bag, using the same way to operate, will cover the POS package close to the bag, no accident, but also prompt card swipe success.

Through the above way of testing, the reporter used ten different bank cards, all tested successfully. The common characteristics of these cards are: chip cards, printed on the surface of the word flash quickpass.

Piracy failed:

In these four cases, there is no way to steal.

Does this mean that there is a risk to take the card with you when you go out? No, journalists also fail in the testing process. For example:

A: Turn off the small, secret-free, sign-free payment card.

Reporters call the bank to close the small secret-free payment function, and then test it in the same way. At this time, the transaction can not be carried out.

B: The sensing distance is far.

In the above test process, the reporter found that the bag with POS machine and the card bag need to maintain a very close distance, in order to carry out the inductive swipe card, inaccurate calculation needs about 3 cm. Take the wallet as an example. The wallet is 2 centimeters thick and the POS bag is 1 centimeter thick. The two can succeed next to each other. If you put the POS machine far away, it will not be able to sense.

C: Multi-card playback.

Reporters also noted that if there are a large number of cards in the wallet at the same time, POS machine can sense, but can not identify specific cards, showing too many cards in the sensing area prompt, so it can not succeed.

D: Non-chip, flash-free card.

In the test, the reporter also used some bank cards without chips and flash payment, POS machine can not sense.

B

Multiple Bank Customer Service

Default Opening of Small Dual Exemption

If you are worried about risk, you can close it.

After the success of the test, several cardholders who participated in the test questioned, When will they open the micro-dual exemption, I dont know at all.

Many cardholders told reporters that they had not taken the initiative to ask the bank to open. After calling the official customer service hotlines of several banks, I learned that this function has indeed been implemented. At the same time, customer service personnel said that the function is opened by default, with a single maximum of 1000 yuan. If you do not need to use the function, or are worried about the risk, you can apply for closure.

However, on the 17th, the reporter learned from the official website of UnionPay, in terms of protecting the cardholders right to know, UnionPay full attention to the protection of the cardholders right to know from the beginning of the establishment of double exemption business, and put forward clear requirements for each member organization through business rules. Continuous tracking and promoting banks to do a good job of cardholder business notification, the main commercial banks through the official website to their cardholders to inform the double exemption business. According to the incomplete statistics of UnionPay, many banks explicitly inform the cardholder of the small double exemption business in the card-taking agreement; some banks inform the cardholder through the mobile phone bank APP.

C

UnionPay official website

Setting up special compensation for embezzlement

Providing Loss Card Guarantee Risk Full Compensation

In view of this situation, are there risks and loopholes in the small-scale secret-free and sign-free system?

On December 17, Chengdu Business Daily - Red Star Journalist tried to contact China UnionPay for an interview and issued an outline of the interview. As of the date of publication, no response had been received.

However, the reporter learned from the official website of China UnionPay that on June 1 this year, China UnionPay and its commercial banks carried out a small double exemption single limit adjustment from 300 yuan to 1000 yuan for UnionPay IC cards supporting flash payment function. At the same time, in order to protect cardholdersrights and interests in using cards, China UnionPay has taken multiple measures. China UnionPay said that at present, all the businesses supporting small-scale secret-free and sign-free have been strictly screened to become well-known brands or chain merchants all over the country and all over the world. The trade quota for secret-free and sign-free services is set to RMB 1000 in a single transaction. If the quota is exceeded, the password transaction will be required to succeed. At the same time, banks also control the cumulative one-day confidentiality-free quota (whichever is prescribed by the issuing banks). China UnionPay and the issuing bank carry out background risk monitoring on small secret-free and sign-free transactions. By monitoring the transaction characteristics and identifying suspicious transactions, the cardholders capital security can be guaranteed. What should we do if we encounter embezzlement? Does UnionPay have safeguards for the cardholders interests? UnionPay claims to have compensation protection. In order to alleviate the security concerns of cardholders, UnionPay Commercial Banks have set up special compensation for cardholders and provided full risk compensation service for loss of cards. It can fully compensate the loss of cardholdersnormal use of cards. Combined with industry practice and data calculation, 72 hours and 30,000 yuan are enough to maintain the security of cardholders normal use of cards, and it can also effectively prevent them from losing. As for the risk of fraud and moral hazard beyond the scope mentioned above, UnionPay has also established an exceptional negotiation mechanism with commercial banks to cover it. As long as it is the holders normal card loss, it can be fully compensated. Source: Author of Chengdu Business Daily: Zhang Zhaotings Responsible Editor: Ji Guojie_NBJ11143

However, the reporter learned from the official website of China UnionPay that on June 1 this year, China UnionPay and its commercial banks carried out a small double exemption single limit adjustment from 300 yuan to 1000 yuan for UnionPay IC cards supporting flash payment function. At the same time, in order to protect cardholdersrights and interests in using cards, China UnionPay has taken multiple measures. China UnionPay said that at present, all the businesses supporting small-scale secret-free and sign-free have been strictly screened to become well-known brands or chain merchants all over the country and all over the world. The trade quota for secret-free and sign-free services is set to RMB 1000 in a single transaction. If the quota is exceeded, the password transaction will be required to succeed. At the same time, banks also control the cumulative one-day confidentiality-free quota (whichever is prescribed by the issuing banks). China UnionPay and the issuing bank carry out background risk monitoring on small secret-free and sign-free transactions. By monitoring the transaction characteristics and identifying suspicious transactions, the cardholders capital security can be guaranteed.

What should we do if we encounter embezzlement? Does UnionPay have safeguards for the cardholders interests? UnionPay claims to have compensation protection. In order to alleviate the security concerns of cardholders, UnionPay Commercial Banks have set up special compensation for cardholders and provided full risk compensation service for loss of cards. It can fully compensate the loss of cardholdersnormal use of cards. Combined with industry practice and data calculation, 72 hours and 30,000 yuan are enough to maintain the security of cardholders normal use of cards, and it can also effectively prevent them from losing. As for the risk of fraud and moral hazard beyond the scope mentioned above, UnionPay has also established an exceptional negotiation mechanism with commercial banks to cover it. As long as it is the holders normal card loss, it can be fully compensated.