"Bank card Replicator" show: 5 minutes to generate cloned cards-bank card, copy-IT information

Debit card off at the moment, deposits were missing; the day before brushing my credit card, and the next day was distributed to cash ... ... In recent years, the bank card was fraudulent events that occur frequently across the country. According to police, is fraudulent due to ATM withdrawals or credit card in the POS machine bank card information is copied, password is peeping. Puzzling is that this "black-box operation" is how to achieve it?

Recently, this reporter found on the network, you can purchase easily named "bank card Replicator" tool, the price ranges from 8000 to almost million, which "copy" is the Bank the main behind the card was fraudulent. Seller claims that this "guy" simple "package". With it, within a period of less than 5 minutes will replicate a normal use of bank cards.

Bank card Replicator

Sellers hiding deep in the network, the "product" minimum asking 8000 Yuan

Check out past coverage two years ago with "banking card Replicator" as a keyword to search on the Web, very easy to find special sales copy for the Web site flow chart and cloned bank cards. But because of bank card fraudulent cases in recent years more and more attention, sales tool sellers have become more low-key of the crime. Journalists to "bank card Replicator" as a keyword search, hardly find the relevant business information for keyword "bank card decoder", the figure of some sellers have emerged.

Browse related pages after reporters found that the sellers hid deep, mostly hidden in the portal site's BBS or obscure forums. Them or to "24-hour hotline" to leave a cell phone number, or simply do not have any text, leaving a string of suspected QQ number number.

Journalists to the identity of the buyer, by adding QQ micro-friends of friends or, try to contact with 5 sellers, quickly passes the validation. Sellers with "Science and technology" "a certain equipment wholesale companies" as his nickname, but open the QQ space, you can see pictures of bank card Replicator, some sellers even direct copies of photographs as a micro-letter head.

In the conversation that followed, several sellers said to reporters his bank card Replicator models being sold, the price ranges from 8000 to 9800 Yuan. One seat of the QQ appears as Taiwan sellers said that Taiwan imported products are generally the price, if the price is too low, the city, is likely to be production machines.

Reporters found that the supplier of bank cards copied are distributed in Guangdong, Guangxi, and other southern regions. When it comes to trading, these sellers were presented "to pay part of the purchase price" terms.

A seller in Guangzhou told a press conference, if you want to buy a range of equipment, you need to pay half or 4000 Yuan loans, and assured reporters that receipt must be shipped in a timely manner. When reporters make such a transaction with a certain degree of risk, the seller said "can also come to Guangzhou Trade face to face", followed by their specific addresses in Guangzhou told a press conference.

A QQ nickname called "integrity first" seller's media questioned the way the transactions, you offered to pay cash on delivery, "but the freight to be paid 100 Yuan."

Once "stole" 100 records, 5 minutes to generate cloned cards

Spend nearly million buying a copy, really easy money from the other bank cards do?

Several times after the break, "integrity first" finally briefed reporters on the bank card Replicator usage.

"Integrity first" sale price 9800 Yuan, including copying, card collector, pinhole cameras, blank cards, bank cards copied software and other equipment. He showed reporters saw in the picture of the collector, a normal ATM card is seen from the front and a gate, the back of the empty slots are filled with densely packed with precision instruments.

"Integrity first" told reporter, this is often quilt cover in ATM plug card mouth Shang of "duck mouth" card mouth, and very "professional" to "Science" said, as long as bank card from this card mouth after, magnetic article within of three rail information will was records in collection device within, "posted" in ATM keyboard above of pinhole camera is used to gets user password. "A collector can record 80 to 100 bank card information at once, completely sufficient. "" Integrity first "said.

When credit card information is collected back, through a special software to burn the information onto a blank card, generates a new bank card. Multiple sellers have complained to reporters that the copy no more than 5 minutes, the "simple and easy".

Is Replicator "stare" not only on ATM. In addition to the bayonet collector, a self-proclaimed Manager Wu seller in the letter to reporters when a card is recommended using the collector, very suitable for use in supermarkets and other consumer credit card sites. When a reporter asked how in the case of not being found "bait", the manager Wu said buying product after a certain package, "absolutely will not be seen".

Reporters found that sellers also launched the "+ copy card information" package. "This is the most secure way of simply purchasing card information out of it. "But in the face of" these bank card information comes from "problem, sellers always says" no comment ".

Underground trading markets, buyers and sellers both deception

Bank card Replicator on the Internet selling, consumers often use ATM safety factor and how?

To this end, the journalists visited multiple ATM facilities in the urban area of Beijing, found that every ATM in the bank branches, typically have security patrols or Manager from time to time. In contrast, from the ATM of supervision is relatively weak, passive hands and feet is more likely.

Banking industry insiders said in an interview, compared with magnetic stripe cards, is currently widely promoted chip card have achieved significant progress in anti-copying, advised cardholders to be in the hands of bank cards replaced a chip card. In addition, the Bank gradually tighten regulation of ATM, many criminals are turning to POS when visa acquisition information. "In this case, passwords are important. As long as consumer credit card blocked when passwords, even if the information is being collected will not affect security. "Chongqing, a bank employee told Xinhua.

This reporter has learned, now uncovered a number of duplicate, fraudulent cases of bank card, police disclose suspects in order to "get rich", deliberately purchased bank cards copied from the Internet to commit crimes. Journalists retrieved over the network, also finds that someone has posted in the forum asking "Replicator" issues related to "interested in".

When reporters want to know more about the "underground", the attitude of most of the sellers are showing jealousy. A seller very bluntly said: "this line, do millions of people worth a lot, but an accident, and no less, so you have to think about doing or not doing it. I don't advise here, hope it will not hold curious spectators. ”

As for the sale of a bank card replicators, law said, the buyer uses this equipment to copy someone else's bank card, and fraudulent or cash, this would constitute a bank card fraud knowing that the purchaser and the seller, bank card Replicator implementation provides the instrumentalities of the crime, also will become an accomplice to the crime of fraud.

“银行卡复制器”揭秘：5分钟就能生成克隆卡 - 银行卡,复制 - IT资讯

储蓄卡不离身，存款却不翼而飞；前一天刷了信用卡，第二天就被异地套现……近年来，银行卡被盗刷的事件在全国各地频频发生。根据警方披露，盗刷是由于在ATM取款或在POS机上刷卡时银行卡信息被复制、密码被窥视所致。让人疑惑的是，这套“暗箱操作”究竟是怎么实现的？

近日，记者调查发现，在网络上，可以轻易购买到名为“银行卡复制器”的工具，价格从8000元到近万元不等，而这种“复制器”正是银行卡遭盗刷的主要幕后黑手。卖家宣称，这套“家伙”操作简单，“包教包会”。有了它，就能够在不到5分钟的时间内复制出一张可以正常使用的银行卡。

银行卡复制器

卖家藏匿网络深处，“产品”最低要价8000元

查阅过往的报道，两年前以“银行卡复制器”为关键词在网络上进行搜索，很容易就能找到专门售卖复制器的网站和克隆银行卡的流程图。但由于近年来银行卡被盗刷的案件越来越受到关注，销售作案工具的卖家也越来越低调。记者以“银行卡复制器”为关键词进行搜索，几乎找不到相关的买卖信息；但把关键词换为“银行卡解码器”后，一些卖家的身影浮现了出来。

浏览相关网页后记者发现，这些卖家藏得很深，大多隐匿在门户网站的BBS或不知名的论坛里。他们或者以“24小时财富热线”为名留下手机号码，或者干脆没有任何文字说明，只留下一串疑似QQ号码的数字。

记者以买家的身份，通过添加QQ好友或微信好友的方式，尝试与其中5位卖家取得联络，都很快通过了验证。卖家多以“某某科技”“某某设备批发公司”作为自己的昵称，但打开他们的QQ空间，就能看到银行卡复制器的图片，有的卖家甚至直接将复制器的照片当做微信头像。

在随后的交谈过程中，几位卖家向记者说明了自己所售银行卡复制器的型号，价格则从8000元到9800元不等。一名QQ所在地显示为台湾地区的卖家表示，从台湾进口的产品一般都是这个价格，如果报价过低，就很可能是大陆生产的机器了。

记者发现，银行卡复制器的供应者大多分布在广东、广西等南方地区。当谈到如何交易时，这些卖家都提出了“先付部分货款”的条件。

一名在广州的卖家告诉记者，如果要购买整套设备，需要先支付一半即4000元的货款，并向记者保证收款后一定及时发货。当记者提出这种交易方式具有一定的风险时，这名卖家表示“也可以到广州来当面交易”，随后将自己在广州的具体地址告诉了记者。

一名QQ昵称叫“诚信第一”的卖家见记者对交易方式有所质疑，则主动提出可货到付款，“但要多支付100元的运费”。

一次性可“偷”100条信息，5分钟生成克隆卡

花费近万元买一套复制器，真的就能轻松地将别人银行卡里的钱据为己有吗？

在几番周旋之后，“诚信第一”终于向记者介绍了银行卡复制器的使用方法。

“诚信第一”售卖的产品报价为9800元，包括复制器、卡口采集器、针孔摄像机、银行卡复制软件、空白卡等设备。在他展示的采集器的图片中记者看到，一个从正面看与正常ATM插卡口无异的卡口，背面的空槽里却塞满了密密麻麻的精密仪器。

“诚信第一”告诉记者，这就是常被套在ATM插卡口上的“鸭嘴”卡口，并非常“专业”地“科普”说，只要银行卡从这个卡口经过，磁条内的三轨信息都会被记录在采集器内，“贴”在ATM键盘上方的针孔摄像机则用来获取用户密码。“一个采集器一次性可以记录80到100张银行卡的信息，完全够用了。”“诚信第一”说。

当银行卡信息被采集回来后，通过特制的软件将信息刻录到空白的卡片上，一张全新的银行卡就生成了。多个卖家均向记者表示，整个复制不会超过5分钟，“简单便捷”。

被复制器“盯”上的不只ATM。除了卡口采集器，一名自称吴经理的卖家在微信上向记者推荐了一款刷卡时使用的采集器，称非常适合在超市等刷卡消费的场所使用。当记者进一步追问如何在不被发现的情况下“偷梁换柱”时，吴经理却表示购买产品以后一定包教包会，“百分之百不会被看出来”。

记者发现，还有卖家推出了“卡片信息+复制器”的套餐。“这是最安全的方式，只需把购买的卡片信息复制出来就可以了。”但面对“这些银行卡信息从何而来”的问题，卖家始终表示“无可奉告”。

地下交易市场活跃，买卖双方都涉诈骗

既然银行卡复制器在网上公然叫卖，消费者常常使用的ATM安全系数又如何呢？

为此，记者走访了北京市区内的多个ATM设备，发现凡是在银行网点内的ATM，一般都有保安或大堂经理时不时进行巡逻。相对来说，离行ATM受到的监管相对较弱，被动手脚的可能性更高。

多位银行业内人士在接受采访时表示，相比于磁条卡，目前广泛推广的芯片卡在防复制方面有显著的进步，建议持卡人尽量将手中的银行卡更换成芯片卡。此外，由于银行逐渐加强对ATM的监管，许多不法分子开始转向在POS机刷卡时采集信息。“这种情况下，密码就很重要了。只要消费者在刷卡时注意遮挡密码，即使卡内信息被采集也不会影响资金安全。”重庆一名银行职员告诉记者。

记者了解到，在目前破获的不少复制、盗刷银行卡的案例中，警方披露犯罪嫌疑人为了“发财”，特意从网上购买银行卡复制器实施犯罪。记者通过网络检索，也发现有人在论坛中发帖询问“复制器”的相关问题，“有意购买”。

当记者表示想进一步了解这个“地下市场”时，大部分卖家都流露出谨慎戒备的态度。一名卖家很不客气地说：“这一行，做到上千万身家的人有很多，但出事的也不少，所以你要先考虑清楚做或不做这个问题。我这里也不提供咨询，希望不要抱着好奇的心理来看热闹。”

至于出现的银行卡复制器的买卖情况，法律人士表示，买方使用这套设备复制他人的银行卡，进而盗刷或套现，这将构成银行卡诈骗罪；而卖方明知购买人用银行卡复制器实施犯罪而提供了作案工具，也将成为诈骗罪的共犯。