Phone number was 150,000 yuan within a cloned card is transferred out where is flawed?

"Stewardess Zhang Xin matter with us almost the same case." A few days ago, but had to be mobile phone SIM card to go play Olaf Games off-site to be transferred within the "clone" after more than 10 million bank cards Mr. Gao told reporters - has so much noise uproar stewardess Xin Zhang cheated 150,000 yuan, will the same way, is also a "channel of complaint." Similar scams, mobile phone users frequently taken, will be directed outside operators. However, a recent court cases have shown that the damage caused by fraud phone carriers and do not have to bear responsibility. Loss of mobile phone users really exists, determining responsibility in the end how? Who will bear the loss? Text / Guangzhou Daily reporter Li Yan Case: Stewardess phone number was cloned cards within 150,000 yuan was transferred away Stewardess Xin Zhang in their own micro-blog about the bank card 150,000 yuan was stolen in the process, it was revealed that at 16:30 on May 4 around which received a series of harassing phone calls, did not care, until his phone It was hit off. When she re-boot when the phone has been in a state of no service. 14:00 the next day, she was ready to take money to the bank, they found 150,000 yuan bank card all gone. Then she call the China Everbright Bank customer service, confirmed at 17:20 on May 4 about the money has been taken away. Then she discovered that the phone has no service card number has become empty. According to operator sources, May 4th it was on temporary ID cards second-generation ID and Ms. Zhang Xin to the operating room for her to apply for a replacement card business. "According to national regulations and the Articles of Association in the verification of the second-generation ID card information and it compared the very fact that the temporary identity card in the system retained the relevant information, in accordance with the business process procedures shall complement the card business." Coincidentally, the newspaper previously reported that Mr. Gao's wife Shenzhen mobile phone in January 1st suddenly unable to talk normally, receive text messages and the Internet, was subsequently found under the name of China Everbright, peace and CCB deposits totaling more than 100,000 yuan to "disappear." Then, they found that their SIM card being cloned. survey: SIM card was cloned transfers also need a password In recent days, the reporter interviewed operators, banks and network security technologies parties understand that mobile phone users SIM card was cloned, if no payment password, the user can not be transferred out of the money on the card. The aforementioned case, the very fact that Mr. criminals get high and his wife's identity information, and then cloned their SIM card. So, the phone number, temporary identity cards and bank accounts, criminals have reserved can turn away money? "No, there will have to pay the payment password." Banks told reporters that even crooks get this information, if they do not have play Talking Angela Games the password, you can not complete the payment. So, how can a liar obtain or modify the password? The source told reporters, change passwords only by ATM or over the counter, if no one else liar bank card, can not change the password, "no card, even if the identity card to the counter holding can not change the password." So, to be implemented fraudulent criminals can only take electronic channels (online banking or mobile banking), but before modifying the "withdrawal password", you must master the "login password." At this time, ID or temporary ID cards not effective. As for credit cards, there is a modification of the "withdrawals Password", "Consumer Password" way is through the bank service hotline, you can call the hotline (cloned), and through other authentication modified by the reservation phone number. The problem is, or whether the very fact that Mr. Gao, the transfer of stolen / fraudulent bank card, not all open mobile banking / online banking. In other words, even if the phone is cloned, the money does not mean the user's bank card will be able to turn away. Network security sources said criminals through "hit library" approach, access to part of the user's password. "For example, you use e-mail password leak, they will try to match your bank account password." The source said, criminals clone phone number, only part of the scam, not all. Precedent: Operator is not responsible for Or whether it is the very fact that Mr. Gao, have cheated after the first alarm, but has yet to solve the case, the loss suffered play Barbie Dress Up Games substantially not recovered. However, the truth has not been the case, the responsibility of users, and users will be directed operators. "Carriers are channels, not because of the high-speed accident, blame it on the highway." Recently, a local operator in Guangdong said that there are scams on the QQ, micro letter, Baidu and other network platform, but few consumers they will find "fill loss." The source also disclosed that Guangzhou mobile phone users received a self-proclaimed "court summons," the phone, he believed, to the other side has scored more than 70 million accounts. Of course, this huge sum of money eventually fell into the hands of crooks. According to the sources, prosecute operators of mobile phone users that the operators do not provide true phone being misused by "changing Software" tampered with. Court of First Instance fined operators bear some responsibility, a fine of 10,000 yuan. Subsequently, the operator of appeal, the second trial overturned the first instance verdict, operators do not have to take responsibility. "In this case, the Court apparently agreed with the operator's point of view, to provide communications services to protect the user's responsibility to identify the caller's authenticity." The paradox is that the public also received a Shenzhen after "changing Software" customer service phone bank fraud, believed cheated 440,000 yuan, the prosecution claims for total loss of local operators, recently released the results of the trial of first instance - the operator lost. Currently, the operators have appealed. Follow-up: Loss of customers in the end who is going to pay? "Dynamic authentication code is the last link in the most abominable clone SIM card and the pseudo base stations." During the interview, the bank believes that operators and authorities should block the pseudo base stations and cloning of SIM cards, "the hole." Operators who said that repeated pseudo base stations, in the case of certificates of compliance difficult for the customer service business hall of judgment of others who cloned SIM card. Instead, the bank is responsible for the transfer of funds last part, banks should be responsible for "intercept" User cheated money was transferred out. "For example, banks offer a disclaimer form contract, mobile phone users according to user requirements can be signed immediately stopped the flow of funds." One operator said that if the police ask the user first, then with alarm credentials and then require banks to freeze the accounts, the process is too long liar too fast. In this regard, the Bank believes that this can not be completely blocked liars, criminals usually raised hundreds of accounts, soon dispersed the money transferred out of the account. Moreover, transfers between banks take the central bank system, is also close to the bank or banks nor can it block, and to analyze specific cases. "In the Internet of the moment, convenience and safety, is a contradiction, the current transfers, online payment is convenient, but security needs to play Cooking Games be improved." Police / Ministry of Public Security, the operator / Ministry of Industry, Bank / Central Bank and so on, need to work together from the source, the flow control, rather than destroyed several groups through joint action, how much money this way recovered.