Magnetic stripe bank cards are still the mainstream bank cards, with more than 3.442 billion cards. There are hidden dangers in the security of these chip bank cards. Magnetic stripe bank cards are easy to be copied by criminals. Recently, a supermarket cashier committed a crime through magnetic stripe bank cards.
Ms. Lu of Zhejiang province paid 62 yuan by credit card in a supermarket, but unfortunately her bank card was copied, resulting in a loss of 5000 yuan. Criminals work as cashiers by mixing into supermarkets and make copies with special swipe card tools. Therefore, you like to swipe cards in the supermarket magnetic stripe bank card holders to be careful.
Why are magnetic stripe cards so easy to copy?
By finding the law of deferral of magnetic stripe bank card, criminals copy the magnetic stripe card with the same card number. Because the password of many magnetic stripe bank cards is very simple, the decoding instrument can quickly interpret the personal password.
What are the advantages of the chip bank card?
High security: it can store key, digital certificate, fingerprint and other information. Its working principle is similar to that of a microcomputer, so its complexity is obviously stronger than that of a magnetic stripe bank card. Naturally, its security performance is improved.
Good compatibility: its working principle is similar to a microcomputer, which can handle multiple functions at the same time, providing cardholders with the convenience of one card for multiple purposes, similar to our daily bus monthly card, which can be used for multiple purposes.
The chip bank card is stronger than the magnetic stripe bank card. Why is the promotion so slow?
There are 3.442 billion UnionPay magnetic stripe standard cards in China. The cost of chip cards is 8-10 yuan per card, and the cost of card replacement will be tens of billions of yuan.
The application environment of chip cards is basically available, but the cost of replacing chips is not clear. At present, the cost of a chip card is 8 to 10 yuan per card, 10 times that of a magnetic stripe card. Nearly 3.4 billion magnetic stripe cards will cost tens of billions of yuan to replace with chip cards.
Therefore, who will pay for the replacement of the chip bank card has become a problem. It is really expensive to let the major banks replace it for free. Let the depositors replace them by themselves. If they charge, there will be no motivation to replace them. Therefore, the upgrade of bank cards is still a long-standing problem. Who would you choose to be safe and cheap?