CCTV has reported cases of criminals committing fraud through the modification of POS machines. The modified POS machine can copy bank card information and implement stolen brushing. Swipe card consumption usually requires a POS machine to complete, so how to prevent such fraud, it becomes a very important issue for cardholders.
As an ordinary cardholder, how should I prevent the POS from stealing credit card information?
First, change the core
"Core", that is, the chip card, also known as the IC card. It stores the information originally stored in the track into the chip inside the bank card. Compared with the traditional magnetic stripe card, the chip card adopts dynamic information comparison technology, and the encrypted information is randomly generated and bidirectionally authenticated, which can effectively protect the card. Anti-counterfeiting and transaction security. So far, there have been no cases in the world where a pure chip card (with the chip as the sole transaction medium) was copied and led to fraud.
If the bank card you are holding is a magnetic stripe card, you can change it to the nearest bank counter to replace it with a chip card. The main ways of changing cards are:
Change the card number: the card number is unchanged, and the processing needs to wait 10-14 working days;
Change card replacement number: the card number is replaced, the old card information is recorded in the new card, and the card is taken on the spot;
Re-open the new card: cancel the old card, the lowest cost
Second, the card does not leave the line of sight
When handing over the bank card to the cashier for settlement, please temporarily let go of the matter at hand and carefully observe the entire card-swapping process. If you find an exception, please refuse to enter your password or signature. This prevents the bad traders and the cashier from making small moves, resulting in loss of cards and property damage.
Third, use the "cloud flash payment" function
UnionPay “Cloud Flash Pay†is a new mobile payment brand launched by China UnionPay. This approach focuses on contactless payment technology and covers various payment innovation technologies such as NFC, HCE, TSM and Token. Through multiple security means such as dynamic key and cloud authentication, the real card number is not displayed during payment, which effectively protects user privacy and pays sensitive information.
In addition, the use of "cloud flash payment" can also ensure that the receiving terminal has been legally authenticated, and the cardholder can be assured of payment. At present, “Cloud Flash Pay†has been launched to support many mobile phone models using Android and iOS operating systems.
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