The bank card is properly placed in the wallet, the mobile phone is also around, there is no two-dimensional code, no SMS link, no fraudulent call, nor leaked verification code, but in this way, the cash in the bank card is still missing. In recent years, many provinces and cities have frequently exposed new types of crimes that use "sniffing" technology and equipment to infringe on private property, and the money in the card has been remotely stolen by criminals, which poses a great threat to the safety of citizens' property.
How did the criminals succeed in stealing? Is it safe to keep money in the bank?
Money is "brushed away" in sleep
Not long ago, the public security police of Sanya City, Hainan Province, successfully detected an extraordinarily large network gang hiding in Yiyang, Hunan Province, spanning Hainan, Sichuan, Shandong, and Guangdong provinces, using "sniffing" technology to commit crimes, cracked 21 cases, arrested 15 criminal suspects, and involved an amount of more than 3 million yuan.
Feng Hengwu, director of the Sanya Bay Police Station of the Sanya Municipal Public Security Bureau, told the reporter that at about 4 a.m. on July 4, 2019, the victim, Ms. Song, went to the police station to report to the police, saying that the mobile phone suddenly received two text messages, showing that her bank card had spent 50,000 yuan without a card on the third-party payment platform, but she herself did not make any consumption. Ms. Song, who realized that it was inappropriate, immediately reported the loss of her bank card and reported it to the public security organs.
"Before and after the bank card was stolen that night, I did not make any payment operations on my mobile phone. The brushing occurred at 3 a.m., which is the time when the average person is asleep. I happened not to sleep because of work reasons, and I found the problem in time. Ms. Song said.
After receiving the alarm, the police immediately carried out the stop loss work and quickly contacted China UnionPay to inquire about the direction of funds. After investigation, the police found that the stolen 50,000 yuan entered the third-party payment company, and the money was still in the company's corporate account. The police immediately took measures to successfully freeze the stolen money at about 9 o'clock on the same day.
After investigation, the funds were a collection request initiated by the collection business module of the fourth-party payment company, and the criminals used the bank card of the victim, Ms. Song, to pay for it.
Although Ms. Song's stolen money was recovered, such lucky people are after all a minority. "Generally, banks set up a 24-hour arrival function, but some platform transfers are not so strict and will be faster. Therefore, the earlier the discovery, the faster the report, and the higher the chance of recovery. Feng Hengwu said. It is understood that after the case was solved, the gang stole more than 3 million yuan from many other people and only recovered more than 700,000 yuan, and most of the victims could only recover by prosecuting criminal suspects.
According to incomplete statistics, since 2018, police in Chuzhou, Anhui, Guangzhou, Guangdong, Zhengzhou, Henan, Deyang, Sichuan, Ningxiang, Hunan and other places have detected cases of "sniffing" air-stolen bank cards. This is a new type of hot crime, and the social harm is extremely great.
How to achieve late-night brushing?
Who stole the victim's money? And how was it stolen? With these questions, the police retrieved the payee information registered by the criminal suspect on the fourth-party platform. After investigation, the criminal suspect fraudulently used the id card lost by others to register on a niche payment platform and carry out the crime, and obtained the dynamic verification code of the mobile phone through the "sniffing" device to assist in the implementation of theft.
"Sniffing" is a device consisting of a laptop, an older Nokia phone, a sniffing channel machine, and an RF antenna. After the device is activated, disguised as a telecommunications base station, it can "adsorb" non-mobile mobile phones under the 2G network within a radius of 1.5 kilometers, and obtain the text messages and mobile phone numbers received by the victim's mobile phone in real time. Criminal suspects then use loopholes in some websites and Apps to obtain information such as victims' names, ID card numbers, bank card numbers, or purchase personal information, combined with dynamic verification codes monitored in real time, to carry out theft on third- and fourth-party payment platforms.
"There are many ways to get 'sniffing' equipment and related technical teaching on the Internet, as long as it is a real-name registered network App, criminal suspects can obtain the ID card number through technical means, and then obtain the bank card number and the bank reserved mobile phone number through online banking transfer." Wang Yifei, a police officer of the Network Police Detachment of the Sanya Municipal Public Security Bureau, said.
Banks and individuals should strengthen their precautions
Is it safe to put money in the bank? How can we avoid similar misfortunes from happening to you?
After the Sanya municipal public security bureau cracked the case, the Sanya Municipal Public Security Bureau received a letter from Ms. Zhang, a citizen of Chengdu, saying: "The bank cards of the 4 members of the whole family have been stolen and swiped many times, which not only caused property losses, but also stirred up the panic of the whole family, WeChat and Alipay did not dare to use, and the salary card was changed one after another." ”
In fact, for such theft, it is extremely difficult for individuals to prevent it. A criminal suspect claimed that "the name, ID card information, bank card number, and telephone number are available, as long as they are targeted by us, you can't stop shutting down, as long as your mobile phone has contact with the base station, you can implement theft." ”
Chen Lunan, head of the police supervision detachment of the Sanya Municipal Public Security Bureau and the main case-handling personnel of the sniffing case, said that there was no communication and contact between the victim and the criminal suspect, and the victim was not deceived into taking the initiative to disclose information, so it is unfair to rely only on individual citizens for anti-theft brushing.
Liu Daojun, a senior partner at Shenzhen Huashang Law Firm and a member of the Internal and Judicial Affairs Committee of the Standing Committee of the Hainan Provincial People's Congress, believes that the money in the victim's bank card was stolen and swiped, and the money was stored in the bank, essentially the thief stole the money stored in the bank by the victim. Therefore, in the event of theft, the main responsibility lies with the bank. Banks and platforms related to online payments have the responsibility and obligation to improve their security capabilities, and victims have the right to make civil recoveries from them. (Reporter: Liu Deng)