Bank experts remind consumers to use cards to pay securely

Compared with cash, bank cards are a safe and fast payment method. In response to recent bank card fraud crimes in some counties and cities in our district, various commercial banks and UnionPay have also adopted various technical measures and security measures to maximize the security of cardholder funds.

On April 20, we interviewed the head of the payment and settlement office of the Urumqi Central Sub-branch of the People's Bank of China and the marketing department of China UnionPay Xinjiang Branch, and asked them to talk about how to see through the crime of bank card fraud and ensure that consumers can use cards and pay safely According to the offer plan, the head of the marketing department of China UnionPay Xinjiang Branch also announced to consumers the special line of China UnionPay Anti-Fraud Center: 95516 to 1.

One of the fraud methods: "phishing"

Scammers fraudulently send out fraudulent emails by forging legitimate websites or pretending to be legal entities to defraud network users' personal financial information.

Countermeasure:

Do not reply to emails requesting personal information from you. If you have any doubts, you can contact the relevant institutions through the phone number provided by China UnionPay Anti-Fraud Center: 95516 to 1 or 114. Do not call the phone number provided in the email and do not disclose it to uninvited interviewers Any personal information.

Never click on suspicious links in emails. Manually enter the correct URL to log in to a legitimate website, and add it to the "Favorites" in IE browser. Never copy the link provided in the email and paste it into the browser.

Confirm that the website is encrypted and protected. Please note that the URL of the browser's URL bar should start with http: //. In addition, a small lock icon will be displayed on the status bar in the lower right corner of the browser. These indicate that the payment page is encrypted and protected.

Fraud II: "Gentle" invasion of "Trojan virus"

The criminals publish emails, pictures, software, games, etc. carrying the virus of the "Trojan" program on the Internet. After downloading the online file, they may be infected with the virus of the "Trojan" program.

Countermeasure:

Make sure your computer is safe. Set a complex power-on password on your computer.

Don't click suspicious emails easily. Please check any attachments to be stored first, and then scan with the latest antivirus program to verify that there are no problems before opening the attachments.

Protect the security of account information. Try not to use online banking in public places (such as Internet cafes).

Fraud III: "Enthusiastic people" beside the ATM machine

Criminals usually choose self-service banks to commit crimes. While the cardholder is inquiring about the ATM or withdrawing operation, first peep the password, and then use various means to divert the cardholder ’s attention, and take the opportunity to insert the card prepared in advance into the ATM card slot, causing the cardholder ’s bank card The illusion.

solution:

Leave a safe distance. Be vigilant when using ATM, pay attention to whether there are strangers around to peep the password or are too close to yourself.

Confirm the card. Remember the last few digits of your bank card number, or sign or mark the card, so that you can identify the authenticity of the card in a short time.

Screen confirmation. Do not rush to leave after withdrawing money. Please note that ATM changes from "Refund Card Operation Screen" to "Bank Advertising Screen" before leaving.

Fraud four: fraudulent SMS fraud

The scammer usually sends text messages or calls to the cardholder in the name of a fake bank or "UnionPay" to trick the cardholder into dialing the phone number specified in the fake text message and transferring the deposit to the scammer account.

At present, there are new tricks for this type of fraud. For example, fake text messages based on "shopping consumption" may become "winning", "tax refund", "card upgrade" may also become fraudulent cardholders in online banking Set up "networked alarm system".

solution:

Do not respond. Do not respond to suspicious voice calls or text messages, you should directly call the relevant units or the customer service hotline of the issuing bank for enquiries.

Not leaked. Pay attention to protecting identity information and account information, and in any case, do not disclose bank card passwords. No one, including bank staff, has the right to ask for a password.