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The author:(作者)hpmailerpublished in(发表于) 2013/12/5 11:04:08 ABC suspension “simple password“ is overdue for reform out of trading will be closed
Legal evening news (reporters Liu Jingyi) if the bank debit card in your wallet, card number to "62", denoted by happened to try to do things the easy way, 123,456, birthday, password or social security number after simple combinations such as 6-bit, then congratulations, you need to ABC to change the password before the 12th.
Recently, the ABC reported, beginning on December 12, will close the card, the first two bits, "62" and pay debit card spending transactions with a simple password password. Press survey found that currently over 60% cardholders to use "simple password". This practice for ABC, has not followed up by other banks.
12th modifications required
Recently, the agricultural Bank of China's announcement, from December 12, 62 are closed the first two, and Golden harvest to pay simple password password for debit card spending transactions. Cardholders should be holders of valid identity documents, a debit card as soon as possible to the outlets or obtained through the online banking, mobile phone banking password modification transactions.
What is meant by "simple password"? Reporters from ABC's customer service was informed that currently finds must be modified by "simple password" mainly consists of five main categories:
Repetitive numbers, such as "111,111" "22,222" for more than 5 or more than 5 times the same number of passwords.
Combination of simple sequence of numbers, such as "123,456" 54,321 "connected digit password, or" 121,212 "" 12,121 "AB repeat digit password.
Identity card number is the last 6 digits.
Birthday digit password. It is learnt that the cardholder's card displays birthdays listed in reverse order, or the order will be considered simple passwords, such as a birthday, December 1, 2013, "131,201", "201,301", "201,312" and so on will be treated as a simple password.
Phone number the last six digits of the card registration.
It is understood that, if the cardholder does not determine whether your password is a simple password, you can go to any outlets for validation. Once they have been found to be a simple password, customers can modify branches, ATM machines and online banking.
Stop causes of simple passwords, ABC says, simple password there is a big risk, a lot of people used to put ID card and a bank card in my wallet, once lost his wallet, lawless elements is likely to pass on the card number to guess your password.
The password is too simple "transfer transaction" will be held
12th if the cardholder did not complete the simple password changes, will bring about what trouble?
Reporters from ABC service was informed that the cardholder fails to modify a simple passwords, ATM processing cash at the counter, transfer spending, Kaka transfer process pre-authorization, consumer credit card spending at POS transaction, the transaction does not succeed, the screen will prompt the "required service has been cancelled, please contact the issuer", "simple password" information.
In other words, the Bank will stop all cardholders "out trades", but deposits in these accounts will not be affected.
Deactivate simple passwords to pay practices, contacted banks, including ICBC, CCB, Bank, received the reply is "no provision yet", but the banks said, staff members at the time of account opening have always recommended that customers do not use simple passwords.
Investigations over 60% cardholders to use "simple password"
Use a simple password cardholder percentage? Reporters investigated in the surrounding family members, 30 per cent of the surveyed, had 19 people use birthdays, telephone numbers or identity card the last 6 digits, simple number combinations, approximately 63% per cent.
In addition, banking card, payment card, the power on password, the QQ password, email password, even door electronic lock codes are set to the same situation, 30 out of about 17 people, is about 57% per cent.
"Before tried to use complex passwords, accounts, themselves often remember mixing. Then, try to do things the easy way, had his birthday on a single password. "Who lives in Ahn, Ms LAU told reporters, sometimes to see some media coverage, they also feel it is not secure, but there is always a chance," should be not so bad, it happened to me. ”
Weapon
To reset the password for members of the public, what combination of memories both good and difficult to decipher? Correspondent bank insiders weapon.
Shape to set a password is set, the password on input keyboard, you can draw a fixed pattern, for example, in one of the most common passwords on your keyboard, draw rectangles, password is "745,698", "852,369", to draw up long down short "z", which can be "789,512", drawing triangles, which can be "951,236".
Family birthdays. Bank finds simple passwords is a customer his date of birth, for a people who used his birthday as a password, you can set into a family member's birthday. Even as bank cards and personal identification cards in my wallet is lost, it is difficult to ID to crack the passwords.
Jingle, for instance, choose a common 6-word phrase, such as "spread like wildfire", counting their strokes were 1, 6, 2, 2, 6, 6, connected 162,266 is set to password.
Nicknames, nicknames and other conversions, such as nickname Tubby, corresponding to the first letter in English that XPZ, sorted according to the English translated into numbers are 24, 16, 26, set the password is 241,626.
Text/reporter Liu Jingyi
(Edit: SN022)December 05, 2013 Legal evening news(农行叫停“简单密码” 逾期未改转出交易将被关|农行|简单密码|转出交易_新闻资讯
法制晚报讯(记者 刘靖宜)如果您钱包里有农行借记卡，卡号以“62”打头，碰巧当初图省事把密码设成了123456、111111、生日或者身份证号后6位等简单组合，那么恭喜您，需要在本月12日前到农行修改密码。
近日，农行发布公告称，从12月12日开始，将关闭卡号头两位为“62”且支付密码为简单密码的借记卡刷卡支出类交易。记者调查发现，目前超过六成持卡人使用“简单密码”。对于农行这一做法，其他银行并未跟进。
12日前需修改
近日，中国农业银行发布公告，从12月12日起，关闭卡号头两位是62，且支付密码为简单密码的金穗借记卡的刷卡支出类交易。持卡人应尽快持本人有效身份证件、借记卡到网点或通过网上银行、手机银行办理密码修改交易。
何谓“简单密码”？记者从中国农业银行的客服获悉，目前认定必须修改的“简单密码”主要包括五个大类：
重复性的数字，如“111111”“22222”等连续使用5次或5次以上相同数字组成的密码。
简单数字序列组合，如“123456”“ 54321”等相连数字组成的密码，或者“121212”“ 12121”等AB重复数字组成的密码。
身份证号码后6位。
生日数字组成的密码。据悉，持卡人身份证上显示的生日的倒序或者顺序排列都会被认为简单密码，如生日为 2013年 12月 1日，“131201”“201301”“201312”等都将被视为简单密码。
在办卡时登记的手机号最后六位数。
据了解，若持卡人不确定自己的密码是否为简单密码，可以到任意一家营业网点进行验证。一旦被认定是简单密码，客户可以到营业网点、ATM机、网上银行进行修改。
对于叫停简单密码的原因，农行方面称，简单密码存在很大风险，很多人习惯将身份证与银行卡一起放进钱包，一旦钱包丢失，不法分子很可能通过身份证上的数字猜出密码。
密码太简单 “转出交易”将被关
如果持卡人在12日前未完成对简单密码的修改，将会带来哪些麻烦事呢？
记者从农行客服获悉，逾期不修改简单密码的持卡人在柜台、ATM办理取现、转账支出、卡卡转账，在POS办理预授权、刷卡消费等支出交易时，交易不能成功，屏幕将会提示“所需服务已取消，请与发卡行联系”、“简单密码”等信息。
换言之，农行将停止持卡人一切“转出交易”，但是这些账户的存款功能将不会受到影响。
对于停用简单密码支付的做法，记者联系了工行、建行、中行等银行，得到的答复都是“还没有相关规定”，但各银行都表示，工作人员在开户时一直都建议客户不要使用简单密码。
调查 超过六成持卡人使用“简单密码”
究竟使用简单密码的持卡人占多大比例？记者在周围的亲朋同事中进行调查，在被调查的30人中，有19个人使用生日、手机电话或者身份证后6位、简单数字组合，占比约为63%。
此外，银行卡、支付宝、电脑开机密码、qq密码、邮箱密码，甚至家门电子锁密码都设为同一个的情况，30人中有大概17人，占比约为57%。
“之前也试过用复杂的密码，但是账户多，自己常常记混。后来，为图省事，就都用了生日做了统一的密码。”家住安贞的刘女士告诉记者，有时看到媒体的一些报道，自己也会觉得这样做不安全，但总存在侥幸心理，“应该没那么倒霉，刚好发生在自己身上。”
支招
对于要重置密码的市民，究竟什么样的组合既好记忆又难破译？记者请银行业内人士支招。
用形状来设置密码，即所设置的密码在输入键盘上可以画出固定图形，比如在最常见的密码键盘上，画长方形，密码可以为“745698”、“852369”等，画出上长下短的“Z”字，可以是“789512”，画三角形，可以是“951236”。
家人的生日。银行认定简单密码是客户自己的出生年月，对于习惯用生日作为密码的市民来说，可以设置成家人的生日。这样即便银行卡和身份证卡都放在钱包里丢失，也很难靠身份证去破译密码。
顺口溜，例如，选择常见的6字短语，例如“一传十十传百”，数出它们的笔画分别为1、6、2、2、6、6后，连起来将162266设为密码。
用昵称、绰号等转换，例如绰号叫小胖子，首字母对应的英文就是XPZ，按照英文排序转换成数字就是24、16、26，这样设置的密码就是241626。
文/记者 刘靖宜
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