Secret bank card information online trading of interest: "full" net sale | 900 | ID | bank card online trading _ news
New media, Reuters of Xinhua News Agency, Beijing, August 31 (Xinhua Cheng Qun), only 900 Yuan can easily buy new documents to open an account with a stranger on the Internet bank card, ID card original u rupiah, bank cards, online bank account information, bank card bound phone number card and other cards.
Xinhua News Agency, "China" reporter found that criminals bank cards had been trading as a means of profit, ID cards, bank cards from acquisition to open an account, finally sold to use, has formed a complete chain of interest. Bank card trafficking for economic fraud, bribery, money-laundering and other criminal activity to open the door.
Internet bidding, selling all kinds of bank cards
Reporters learned that criminals will not only collect ID card, imposter agent to the bank account. Even some criminals or blatant bid online to buy all kinds of bank cards, and my identity card to open an account.
Some netizens post said, his wallet and identity card in March 2012, stolen, stolen replacement immediately after a new ID card. Over the years is no problem, but recently when I went to the Bank, Bank staff told that someone used his ID to open a bank card and open an account in the field use. "I have not been to opening the seat! Lost ID cards bid after evidence does not mean loss? "Is this vain, why someone would use his stolen identity card for a large number of bank cards, these cards were used?
People familiar with the matter said, lost identity cards after being collected, will be used for fake bank cards, telephone cards sold over the Internet. At present, the illegal online sale of ID cards, bank cards, from acquisition to an imposter agents, then to sell links and has formed a complete industrial chain. In most cases, these ID cards, bank cards, phone cards can be used in a range of illegal activities, such as telecom fraud, bribery, money-laundering, tax evasion, etc.
In some forums, stick, QQ groups, different people every day to hang out the acquisition card information. In a field named "Beijing is so short of money mutual aid group" QQ groups, each 160-Yuan price of ICBC, agricultural Bank of China, China Merchants Bank credit card, but it must be my account at one scene also opened online banking "shield card". Other banking online banking is not available "puka" purchase price is 80 yuan each.
People familiar with the matter said, there are some people who need money, not money in the bank card will not have overdraft, there will be no security issues of own funds, will use his bank card with the identity cards to sell.
"A full set of cards" where the only 900 Yuan eventually going?
Outlaws the acquisition of ID cards, bank cards, and ultimately how to market?
Journalists use Baidu search keywords "a full-service bank cards" to see more selling of bank card information in the introduction to be able to see "sale of new bank card" "online k Po u shield, complete account information", "more than 100 sets of the complete set for sale", the words ", and QQ and mobile phone contacts.
Journalists need to purchase bank card to get in touch with one of the sellers. The seller says, bank cards full set includes bank cards, opening the original ID card, online bank u rupiah and bank card account information, bank cards bound phone number card. Because with open cards ID cards for sale, to ensure that bank cards will not be lost. "After you have a full set of things, you transfer, remittance, including binding some paid accounts can be done online. ”
The seller says, varies in different bank cards full set prices, China Construction Bank, bank card full price is 900 Yuan, China Merchants Bank credit card full price is 1800. "If you need to Bank full tonight, can deliver. If you want the full set of China Merchants Bank, have to wait a few days before, now is out of stock. ”
When reporters asked how the payment, the seller said to cod, found quality problems could return, trading is available on Taobao.
One seller online print out pictures, reporters saw a picture has a lot of Bank of China, ICBC, China Construction Bank, CITIC Bank, China Merchants Bank Bank bank card, next to the identity cards, phone cards and online bank u shield. In order to prove to be new account bank card, the seller also put in a picture of a train ticket on August 28.
Legal experts: online banking or to add fingerprint authentication function
Issued by the people's Bank of China in the 28th article of the bank card business management approach, individuals obtain a bank card (stored value card), Chinese public security departments should be provided to the issuing bank of valid identity documents, after passing the review by the issuing bank, to its opening of anonymous accounts. Bank cards and accounts approved by the issuing bank's Cardholder-only use, no rental and lending.
Calls to China Merchants Bank customer service, staff said, counter cards, Bank staff will check the identifiable information strictly to determine if I. But if they are late, accessible only by password and Internet banking and KEY to identification. A bank staff with years of experience suggests, for the illegal trading of bank card and proposed the introduction of fingerprint check system, ID card fingerprint information to apply, mutatis mutandis, when using online banking can also add fingerprint authentication function.
Beijing juvenile legal aid lawyer Sean said from the Center, for the prevention and fight against bank card crime, regulate the order of credit card market in China bank card accounts the real-name system management, and Bank client identification obligations, shall ensure that the applicant account information is true, complete and in compliance. In reality, buyers purchase your bank card, usually for illicit purposes, some for money-laundering, for accepting illegal money to evade taxes, acquisition, selling other people's identity cards, bank cards is illegal.
Sean said, according to the regulation, bank card holder I use only, you may not sell, sell their bank cards for illegal activities or are suspected of violating. Buy cards people are taking in other people's names using a bank card, is to be used for illegal purposes, then selling and who might be "dragged", serious person could be legally liable for their joint and several liability, personal credit will be damaged.
How to stop identity cards, bank cards and other individuals as a credit transaction? Guangxi Academy of social sciences, Director of the Institute of Sociology of Zhou Keda believes that public security organs for illegal sale of ID cards, bank cards and the increased penalties, while improving identity recognition, address the second generation ID card problems can still be used after the loss.
Sean suggested, do not covet cheap sell their unused cards, once they have been used for criminal activities, will bring significant legal risks. Bank cards but are not the best to log out, don't throw, let alone sell, lost bank card as soon as possible to report the loss. Banks need to strengthen management, improve bank card processing review, strict implementation of real-name system, not to leave criminals exploit.
Responsible editor: Kun Qu SN117
Article keywords:ID card online trading
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揭秘中国银行卡信息网上买卖利益链：“全套”网售900元|身份证|银行卡|网上买卖_新闻资讯
新华社北京8月31日新媒体专电（记者程群）只要900元就能在网上轻松买到用陌生人证件新开户的银行卡、身份证原件、网银U盾、银行卡开户资料单、银行卡绑定的手机号码卡等一系列卡证。
新华社“中国网事”记者调查发现，不法分子已将银行卡买卖作为谋利手段，身份证、银行卡从收购到开户，最后到出售使用，已形成一条完整的利益链。银行卡非法买卖为经济诈骗、行贿受贿、洗钱等犯罪活动打开了方便之门。
网上公然出价收购、出售各类银行卡
记者调查了解到，不法分子不仅会利用搜集的身份证，到银行冒名代办开户。甚至有些不法分子还公然在网上出价收购各类银行卡，并且要求本人持身份证现场开户。
有网友发帖称，自己的钱包及身份证在2012年3月份被偷，被偷之后立即补办了新的身份证。这些年里使用都没有问题，但是近日去银行办事时，银行工作人员告知有人用他的身份证开了多张银行卡，并且都在外地开户使用。“我长这么大都没去过开卡所在地！丢失身份证后申办补证不是就代表挂失吗？”令这位网友百思不解的是，为何有人会使用他被偷的身份证办理大量银行卡，这些银行卡又被哪些人使用？
知情人士透露，丢失的身份证被人搜集后，将会被用于冒名办理银行卡、电话号码卡在网上出售。目前，网上非法买卖身份证、银行卡，从收购到冒名代办，再到出售等环节已形成一条完整的产业链。大多数情况，这些身份证、银行卡、电话卡会被用在一系列非法活动中，比如电信诈骗、行贿受贿、洗钱、偷税漏税等。
在一些论坛、贴吧、QQ群里，每天都有不同的人挂出收购银行卡信息。在一个名为“北京急缺钱互助群”的QQ群里，有人以每张160元的价格收购中国工商银行、中国农业银行、招商银行的银行卡，但必须是本人现场开户同时还开通网银的“盾卡”。其它银行未开通网银的“普卡”收购价则是每张80元。
知情人士透露，有一些急需用钱的人，认为银行卡里没有钱不会产生透支，不会存在自有资金的安全问题，所以会用自己身份证办理银行卡来出售。
“全套卡证”仅需900元 最终流向何处？
不法分子收购的身份证、银行卡，最终如何流向市场？
记者用百度搜索关键词“全套银行卡”，能够看到多条售卖银行卡的信息，在简介中能够看到“出售全新银行卡”“网银K宝U盾，开户资料齐全”“100多套全套待售”等字样，并且留有QQ和手机联系方式。
记者以需要购买银行卡为由与其中一位卖家取得联系。这个卖家称，银行卡全套包括银行卡、开卡身份证原件、网银U盾、银行卡开户资料单、银行卡绑定的手机号码卡。因为配有开卡身份证出售，能够保证银行卡不会被卡主挂失。“有了全套东西后，你进行转账、汇款，包括绑定一些支付账户都能在网上操作完成。”
这个卖家称，不同银行的银行卡全套价格各不相同，中国建设银行的银行卡全套价格为900元，招商银行的银行卡全套价格为1800元。“如果你需要建行的全套，今晚就能发货。如果要招行的全套，要等几天才行，现在没有现货。”
记者询问如何付款时，这个卖家称能够货到付款，发现有质量问题能无条件退货，可以用淘宝进行交易。
在一位卖家网上晒出的图片中，记者看到，图片中有大量的中国银行、中国工商银行、中国建设银行、中信银行、招商银行等多家银行的银行卡，旁边有多张身份证、手机卡和网银U盾。为了证明是新开户的银行卡，卖家还在图片中放了一张8月28日的火车票。
法律专家：网银或可增加指纹验证功能
中国人民银行发布的《银行卡业务管理办法》第二十八条明确规定，个人申领银行卡（储值卡除外），应当向发卡银行提供中国公安部门规定的本人有效身份证件，经发卡银行审查合格后，为其开立记名账户。银行卡及其账户只限经发卡银行批准的持卡人本人使用，不得出租和转借。
记者致电招商银行客服电话，工作人员称，在柜台办卡时，银行工作人员都会对身份信息进行严格核对，确定是否为本人。但如果是后期使用过程，只能靠密码和网银优KEY来核对身份。一位有多年经验的银行工作人员建议，针对银行卡非法买卖的现象，建议引入指纹核对机制，与身份证指纹信息进行比照，在使用网银时也可以增加指纹验证功能。
北京青少年法律援助中心律师赵辉说，为预防和打击银行卡犯罪，规范银行卡市场秩序，中国对银行卡账户实行实名制管理，银行对客户身份有识别义务，应当确保申请人开户资料真实、完整、合规。现实中，购买银行卡的买家，一般都是出于非法目的，有的用于洗钱，有的用于接受不法之财，有的为了避税等，收购、售卖他人身份证、银行卡的行为都是违法行为。
赵辉说，按照规定，银行卡仅限持卡人本人使用，不得出售，出售自己的银行卡用于不法活动者或将涉嫌违法。买卡人之所以冒用别人名义使用银行卡，就是要用于非法目的，那么售卡人有可能被“拖下水”，严重者可能被法律追究连带责任，个人信用也将受损。
如何遏制身份证、银行卡等个人信用凭证的非法交易？广西社科院社会学研究所所长周可达认为，公安机关要对非法买卖身份证、银行卡的行为加大惩处力度，同时提升身份证的识别度，解决二代身份证挂失后仍可被使用的问题。
赵辉建议，不要贪图小便宜出售自己闲置的银行卡，一旦被用作犯罪活动，会给自己带来巨大的法律风险。不用的银行卡最好去注销，不要随意丢弃，更不要出售，丢失的银行卡也要尽快挂失。银行方面需加强管理，完善银行卡办理的审核，严格执行实名制，不给不法分子留下可乘之机。
责任编辑：瞿崑 SN117
文章关键词： 身份证 银行卡 网上买卖
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