Security Protection at Self-service Bank

Potential safety hazard 1: Card retention + false prompt

Lawbreakers install a card-retaining device at the slot of a piece of self-service equipment to cause the trouble of card retention, and then put up a false bank notice near the self-service equipment, tricking the cardholder to contact another lawbreaker who pretend to be the staff member of the bank through the telephone number on the notice. The lawbreaker deceives the cardholder to disclose the password of the bankcard, makes the cardholder leave, gets the bankcard from the equipment, and withdraws money with the bankcard.

Skills for prevention

In case of normal card retention, the self-service equipment will print out the Card Retention Note. The cardholder can handle relevant procedures at the bank counter with the note and the ID card. In case no note is printed out by the self-service equipment, please dial the bank service No. displayed on the screen of the equipment in the original place, or dial the national uniform customer service hotline of the card-issuing bank to promptly contact the card-issuing bank. Do not dial the service No. in the notice put up near the self-service equipment. Please remember that it is not needed to provide the password when you call the bank for help. It is the trick of lawbreakers to ask you for password.

Potential safety hazard 2: Card retention + peeping of password

Lawbreakers install card-retaining device at the slot of a piece of self-service equipment to cause the trouble of card retention, and then peep the password behind the cardholder or at a distance with a telescope. After the cardholder leaves due to the equipment trouble, the lawbreakers take out the bankcard and withdraw money with the password got by peeping.

Skills for prevention

When using a piece of self-service equipment, pay attention to whether there are suspicious persons around. It is necessary to remind others to keep a certain distance from you to prevent peeping of the password. Do not set a simple password such as 123456 or 888888. Do not use your birthday and family telephone No. as the password either. Be quick and use an unconventional typewriting method when typing in the password.

Potential safety hazard 3: Theft of number + false card

By stealing information such as bankcard numbers in the customer notices which are discarded by cardholders at random, lawbreakers produce false cards, and withdraw money at ATMs/CRSs with the bankcard passwords stolen through peeping.

Skills for prevention

Properly keep or promptly dispose or destroy the customer notices. Never discard them at random for fear that lawbreakers may produce false cards according to the relevant information in the notices after they pick up the notices.

Potential safety hazard 4: False prompt

Lawbreakers put up a false bank notice near the self-service equipment, requiring cardholders to transfer the money in their accounts to an appointed account within a certain period of time trough the self-service equipment, and then steal the money of the cardholders.

Skills for prevention

Do not believe the bank notices put up near the self-service equipment requiring customers to transfer money. In case customers are required to transfer money to an appointed account, the announcement or notice must be a trap. In case this kind of announcement is found, call the bank for reporting.

Potential safety hazard 5: Peeping of password + substitution of bankcard

Lawbreakers peep the password when a cardholder is withdrawing money at an ATM/CRS. Then they deliberately throw some money on the ground and remind the cardholder to pick up the money, drawing away the attention of the cardholder. Then his/her partner quickly substitutes the bankcard of the cardholder at the self-service equipment, and then steal the money in the account with the password stolen by peeping.

Skills for prevention

Do not accept the help of a ¡°warm-hearted person¡±. When your attention is drawn away by others, cover the slot with your hand for fear that lawbreakers may substitute the bankcard.

Potential safety hazard 6: pretending to be the bank staff for practicing deception

Lawbreakers make troubles of card retention at the self-service equipment, defraud a cardholder of information such as the bankcard password with the reason of repairing the machine by imitating the staff of the bank, and then produce a false card for withdrawing money.

Skills for prevention

Remember that staff of the bank will never ask you for your withdrawal password. Be careful when you meet such "bank staff".

Potential safety hazard 7: False short message

In the name of a bank, through short messages or calls with mobile phones, lawbreakers lie to a cardholder that there is consumption with the bankcard of the cardholder or the information of the bankcard is disclosed, and trick the cardholder to dial the telephone No. mentioned in the short message. After that, in the name of a staff member of the bank, the lawbreakers further lie to the caller that there is a transaction with the bankcard he/she holds, and say that bankcard may have been forged and used, and trick the cardholder to transfer the money in the account to an account provided by lawbreakers at self-service equipment.

Skills for prevention

The contents of a formal short message generally include the No. of the bankcard with which a transaction takes place (or the last several digits of the card No.). As the lawbreakers who send the false short messages do not know the real card No. of the cardholder, the contents of a false short message do not include the No. of the bankcard with which a transaction takes place; cardholders receiving such short messages shall promptly report to the police. In case of doubt of the consumption with your own bankcard, you shall personally go to the bank counter for handling or call the uniform customer service hotline of the card-issuing bank. Prior to the verification of China UnionPay or the customer service center of the card-issuing bank, please do not dial the strange telephone No. in the short message.

Potential safety hazard 8: Card retention + theft of password with false access control system or false keyboard

Lawbreakers install card-retaining device at the slot of a piece of self-service equipment, causing the trouble of card retention, so as to make the cardholder think that the card is retained and leave; at the same time, lawbreakers install a false keyboard on the keyboard of the self-service equipment, thus stealing the password of the cardholder in an electronic way, or install a false access control system to steal the password of the cardholder, and then take out the bankcard to withdraw money.

Skills for prevention

When using the self-service equipment, the customer shall not only check the parts which are easily modified, such as the card slot, note outlet, and hidden camera, but also pay special attention to whether the keyboard is modified. After the bankcard is retained, the customer shall immediately dial the operator response service No. of phone banking of the bank or promptly report the loss in the account, so as not to give any opportunity to the criminal suspect. In addition, it should be remembered that no password is required by the access control system.