Secret credit card fraud: illegal bulk modification POS machines, access to cardholder information-bank card, credit card, fraud-IT information
"Black science" illegal bulk modification POS machines, gets a lot of cardholder information and password online contact "person" cloned credit cards information, after the agreed percentage of widespread fraudulent ... ... From 2015 to 2016, Hongshan district, chifeng city, Inner Mongolia Public Security Bureau branch (hereinafter "Red Mountain branch") over several months made a series of credit card fraud and arrested 11 suspects, one covering illegal modification of credit card fraud POS machine groups, cloned credit cards and cash, and other links all knocked out.
Credit card fraud exposed in this case "black industrial chain" shocking, chilling. Police remind consumers, when faced with bank cards were fraudulent, alarm, and strengthening prevention, eliminate hidden dangers and reduce losses.
Card printing is fraudulent by remote
Elementary schools suspect development of culture "black science"
On July 23, 2015, investigative Brigade in Redhill branch received a report of local residents said their China Construction Bank credit cards carry in the body, but on July 22 at 16 o'clock or so were in Tianjin and Heilongjiang to three consumption 49980 Yuan. Next couple of days, and 3 victims have reported encounter credit card carrying fraudulent cash withdrawal in other place.
6 days 4 credit card fraudulent cases occurred in succession, attracted great attention of the Redhill branch, which immediately deployed from Interpol and the altar and capable police force, composed of task force to break the case. However, immediately after the task force was established and investigative activities carried out in the process, and there are dozens of similar credit card fraudulent cases occurred. Criminal impunity indicates that the arrogance of not cracking down on such crime, you cannot give people a safe consumption environment.
Police investigators after months of painstaking investigation, series clone gets to the incidence of stolen credit card crime chain key first step--illegally converted POS machine "into" information.
According to police reports, "o" is not a simple character, his research and development of electronic module after installation on the POS machine can easily steal credit card information, in the "industry" received unanimous "praise".
Police investigators after a lot of hard investigation, gradually found out "into" the scope of activities, and eventually learned his true identity--and South Korea one.
After being arrested by police, South Korea an account he initially through Guangdong Province, one of the suspects to the electronic bank card information collection module design and modification technology of POS machine. Later, Han learned through friends, a Fujianese design of electronic bank card information collection module technology is more mature, it's trying to find that person. Bargaining, Han bought a 1000 Yuan price of a finished electronic module, then cost 6000 Yuan to find an electronics company will decrypt the electronic chip module.
Through such means, only the primary culture of Korean POS fraudulent electronic module is a master of design and manufacturing technology. Subsequently, he contacted members of the factory production of this electronic module products.
Under the premise of a template in the South, the factory to produce an electronic module that Han pay the cost just more than 20 Yuan, but these electronic modules are sold on the Internet ranges from 1200 to 2000 Yuan. In order to ensure that effect, Han later made a technical upgrading of the electronic module, which is welded to the POS machine is more convenient.
Han also sold have finished welding of the electronic module adapted POS machines. POS product modified by him in "circles" in famous works, each machine on the market can fetch up to 6000 Yuan to 20,000 yuan. In this way, the Korean electronic module and a POS machine "business" is getting bigger.
Police said Han had also "with" a few apprentices, one of Liu was arrested.
According to Liu an account, he is to meet South Korea in a QQ Group a. In May 2015, Liu Han paid 10,000 yuan for tuition to learn POS machine modification technology.
In Guangzhou of a home small hotel in, Han a took out bank card information collection electronic module and a Taiwan POS machine, to Liu a demonstrates how welding, and how installation keyboard records film and how hidden line, not to one hours of time, Liu a on learned has this items modified technology, then Liu a from Han a at large purchased into electronic module, do up has sales modified POS machine of activities.
In order to expand the "business", and South Korea in addition to "cultivate", also built dozens of online QQ Group, as a fraudulent Bank of China card "top guy", but South Korea an act concealment, nobody knows his personal information and shelter.
Han a good refit a brand POS machine is composed of a famous domestic manufacturer, this manufacturer in the market also found Korean design electronic modules and reequipped POS machine, but could not find him.
End of February 2016, Red Hill branch of the police through careful deployment, successful Korean arrested. Police investigators found a home in the South large amounts of electronic modules and POS machines that have been modified. In addition, police investigators also found a another brand has adapted over the POS machine. Han said he is developing the new adaptable models, and "research and development" success, just haven't had time to "listed".
Modified cloning are "one-stop"
POS installation "inner demons"
Police investigations found that illegal modifications and POS machines stolen credit cards "circle", the suspect in the exchange of information is known as bank cards in "information" foreign bank card information collectively, "outside", internally called "information" collected information "borrow" fraudulent withdrawals called "discharge."
Police also discovered from the suspects cell phones, exchange of POS machine refitted and stolen credit cards experience the QQ Group has dozens of members from more than 10 Chinese provinces, once they commit, strict division of labor and cooperation and, in addition, they also have close contacts with foreign credit card fraud ring.
After a lot of investigation work, police found fraudulent cloning another important link in chain credit card crime--POS installation links the major criminal suspect Zhang, and confirmed the gang using a modified POS machine bank card information, and then sold the information to the field by fraudulent withdrawals into.
The police found, Zhang has been a POS machine installation of chifeng city since October 2014 work, accumulated in chifeng, tongliao city and Hohhot of pointings on the businesses installed the POS machine.
According to an account, once by chance, after he learned that POS machine modified to collect customer information, and felt there was "the right time" advantage is a good opportunity to make money, you can keep in touch who converted POS machine.
May 2015, an online link to a man named "Lee" who "he" can do this business and a partnership. After several communications, "Li" came to chifeng city, feel and some collaboration "market Outlook" very good, is called a "adon" POS machine modification.
Through demonstration, Zhang found that "adon" modified POS machine can not only export the data to, but also via SMS message will be sent to binding good phone, it makes an eye-opener.
Three people after a conspiracy, agreed to collect information after the fraudulent withdrawals proportionately divided. Zhang through installation of POS machine work opportunities, "adon" converted a number of POS machine installed in Hohhot city, tongliao and chifeng city of 8 stores.
Soon, the collected over more than 700 POS machine bank card information. "Discharge" by "adon" got the fraudulent withdrawals the field for someone to, and then some, "Li" and "Monday" at a fixed percentage.
In August 2015, Zhang, "Li" and "Monday" for loot does not go their separate ways. A hidden heart, had more than 70 articles in your "stuff", and spent more than 2000 Yuan from on-line buying TEMIC, but his writing is too poor, writing seven or eight cards has not been successful until he later knew Jinan thanks had a chance after a fraudulent withdrawals.
Police investigators after the deployment in January 2016, Zhang, x captures. Trial, they account for fraudulent withdrawals through Xie called "orange" QQ users to achieve, namely a stolen bank card information to "orange", "orange" to write to the card and fraudulent.
Police interrogation that, thanks to a dedicated contact on the Internet "sell" and "discharge" of business, so that gets a cut. As the circle grows, more and more business, including "orange" many, "" master is her "friend".
Zhang said he knew of Xie shortly after a hand over more than 70 "leaks" out. Before the fraudulent, Xie and Zhang, "orange" three persons to a percentage, that is, from a fraudulent 60% of the total share, thanks a 10%, "oranges" 30%.
Note that credit card security
Beware of reach for a credit card "black hand"
Reporters learned that regular POS machine when dismantling of illegal conversion, with a self-destruct program, but "black science" of South Korea found a way to avoid stimulating the self-destruct sequence, cause a lot of installing electronic module to steal credit card information illegally converted POS machines from reaching the market.
Police said that this credit card fraudulent cases the modus operandi is very secretive because the POS machine is not recognized by illegal modifications in appearance after, consumers in the process of using the card difficult to detect, it is difficult to prevent.
At present, despite a series of incidence of credit card fraud had been detected, but police in crime investigation found more than more than 100 credit card Exchange QQ Group is still alive, the QQ Group is not a "important people" arrested and disappeared, but there have been a number of new offences of "experts".
Police remind consumers, when faced with bank card is fraudulent, please call 110. Meanwhile, strengthening prevention, eliminate hidden dangers and reduce losses.
First of all, IC chip card magnetic stripe cards replaced as soon as possible. Magnetic stripe cards due to technical reasons, lawless elements can easily be copied and IC chip card security level higher, less likely to be copied card information.
Next, set the Internet transaction limits. Recommendations the majority of cardholders set online trading operations, to avoid big losses.
In addition, when using a bank card, consumers, if not sure card is in a safe situation, should help request to the Bank as soon as possible, eliminate risk.
揭秘中国信用卡诈骗：非法批量改装POS机，获取持卡人信息 - 银行卡,信用卡,诈骗 - IT资讯
用“黑科技”非法批量改装POS机，获取大量持卡人信息及密码；网上联络“出料人”克隆信用卡信息，约定分成比例后大肆盗刷……从2015年至2016年，内蒙古赤峰市公安局红山区分局(以下简称“红山分局”)历时数月侦破了一系列信用卡诈骗案，抓获犯罪嫌疑人11名，将一个覆盖信用卡诈骗犯罪的非法改装POS机、克隆信用卡和提现等环节的团伙全部打掉。
这起案件暴露出来的信用卡诈骗“黑产业链”触目惊心，令人不寒而栗。警方提醒广大消费者，一旦遇到银行卡被盗刷的情况，应及时报警，同时，加强事前防范，消除隐患、减少损失。
卡不离身竟被异地盗刷
小学文化嫌疑人研发“黑科技”
2015年7月23日，红山分局经侦大队接到当地居民钱某报案称，其本人的中国建设银行信用卡一直携带在身上，但却于7月22日16时左右被人在天津、黑龙江等地三次消费49980元。随后几日，又有3名受害人先后报案，均遭遇了信用卡随身携带却被异地盗刷取现的情况。
6天之内连续发生4起信用卡盗刷案件，引起了红山分局的高度重视，该局立即从刑警和网安抽调精干警力，组成专案组全力侦破此案。然而，就在专案组成立之后并开展侦查活动的过程中，又有几十起类似的信用卡盗刷案出现。犯罪分子的肆无忌惮表明，不严厉打击此类犯罪的嚣张气焰，就无法给人民群众一个安全的消费环境。
办案民警经过数月艰苦侦查，获取到了已发案的系列克隆盗刷信用卡犯罪链条第一环节——非法改装POS机的关键人物“阿成”的信息。
据办案民警介绍，“阿成”是个不简单的人物，他所研发的电子模块加装到POS机上之后，能够轻易窃取银行卡信息，在“业内”获得了一致的“好评”。
办案民警经过大量艰苦侦查，逐步摸清了“阿成”的活动范围，并最终获知了他的真实身份——韩某。
被警方抓获归案后，韩某交代，他最初是通过广东省的一名犯罪嫌疑人学习到了银行卡信息采集电子模块设计和POS机改装技术。后来，韩某又通过朋友了解到，有一名福建人设计的银行卡信息采集电子模块技术更为成熟，便想方设法找到该人。经过讨价还价，韩某以1000元的价格买回了一个成品电子模块，随后又花费6000元找了一家电子公司将该电子模块的芯片解密。
通过这样的手段，只有小学文化的韩某掌握了POS机盗刷电子模块的设计和制造技术。随后，他联系有能力的工厂批量生产这种电子模块成品。
在韩某提供模板的前提下，该工厂每生产一个电子模块，韩某支付的成本只有20多元，但这些电子模块却能在网上卖到1200元至2000元不等。为了确保效果，韩某后期还对该电子模块做了技术升级，使其在焊接到POS机上时更方便快捷。
韩某还出售已经焊接了该电子模块的改装POS机成品。经他改装的POS机成品在“圈子”里出名的好用，每台机器在市场上能卖到6000元到2万元不等。就这样，韩某的电子模块和POS机“生意”越做越大。
办案民警说，韩某还曾“带”过几个徒弟，其中之一的刘某也被警方抓获。
据刘某交代，他是在一个QQ群里认识韩某的。2015年5月，刘某向韩某缴纳了1万元学费学习POS机改装技术。
在广州市的一家小宾馆里，韩某拿出银行卡信息采集电子模块和一台POS机，向刘某演示如何焊接、如何安装键盘记录薄膜以及如何隐藏线路，不到一个小时的工夫，刘某就学会了这项改装技术，随后刘某从韩某处大量购进电子模块，做起了销售改装POS机的勾当。
为了扩大“业务”，韩某除了“带徒弟”，还在网上建了几十个QQ群，成了中国盗刷银行卡的“顶尖人物”，但由于韩某行事隐蔽，没人知道他的个人信息和住处。
韩某擅长改装的某品牌POS机是由国内某著名厂家生产的，这个厂家在市场上也发现了韩某设计的电子模块和被改装的POS机，但就是找不到他。
2016年2月底，红山分局警方经过周密部署，成功将韩某抓获归案。办案民警在韩某家中找到了大量电子模块和已被改装的POS机。此外，办案民警还发现了一台尚未改装完的另一个品牌的POS机。韩某说，他正在开发新的可改装机型，并且已经“研发”成功，只是还没来得及“上市”。
改装克隆提现“一条龙”
POS机安装有“内鬼”
民警在办案中发现，在非法改装POS机和盗刷信用卡的“圈子”里，犯罪嫌疑人在交流中把银行卡的信息称为“料”，国外的银行卡信息统称“外料”，国内的称“内料”，采集信息叫“采料”，盗刷提现叫“出料”。
办案民警还从犯罪嫌疑人手机中发现，交流POS机改装和盗刷信用卡经验的QQ群有几十个，成员来自中国十几个省份，他们一旦一同作案，就进行严密的分工协作，此外，他们还和国外的信用卡诈骗团伙有密切联系。
经过大量侦查比对工作，办案民警又发现了克隆盗刷信用卡犯罪链条的另一个重要环节——POS机安装环节的主要犯罪嫌疑人张某，并基本确定该团伙利用改装过的POS机采集银行卡信息，然后将这些信息卖到外地后通过盗刷提现分成。
警方查明，张某2014年10月份以来一直在赤峰市的一家POS机安装公司上班，累计在赤峰市、通辽市和呼和浩特市等地的商家安装了上百部POS机。
据张某交代，一次偶然的机会，他得知POS机改装后能采集客户信息，觉得自己正好有“天时地利”的优势，是个赚钱的好机会，就不停地在网上联系能改装POS机的人。
2015年5月，张某在网上联系到一个叫“老李”的人，“老李”称可以和张某合伙做这种生意。经过几次沟通，“老李”来到赤峰市，觉得和张某合作的“市场前景”非常好，就叫来一个叫“阿东”的POS机改装手。
通过演示，张某发现，“阿东”改装过的POS机不但能把数据导出来，而且还能通过短信将有关信息发到绑定好的手机上，这让张某大开眼界。
三个人经过合谋，约定采集信息盗刷提现后按比例分成。于是张某借着安装POS机的工作机会，先后将“阿东”改装的多部POS机安装在呼和浩特市、通辽市和赤峰市的8家商户。
很快，这些POS机就采集到了700多条银行卡信息。每次“出料”都由“阿东”拿到外地找人进行盗刷提现，然后张某、“老李”和“阿东”再按约定比例分成。
2015年8月，张某、“老李”和“阿东”因分赃不均分道扬镳。张某虽然藏了点儿心眼，自己留下了70多条“料”，并花2000多元从网上买了写卡器，但无奈自己的写卡水平太差，写了七八张卡也没有成功，直到他后来认识济南的谢某后才有机会盗刷提现。
办案民警经过部署，于2016年1月将张某、谢某抓获。经审讯，他们交代了盗刷提现是通过谢某的一个叫“桔子”的QQ网友实现的，即张某把盗取的银行卡信息传给“桔子”，“桔子”在外地写到卡上并进行盗刷。
民警审讯得知，谢某专门负责在网上联系“卖料”“出料”的生意，以便从中提成。随着圈子越来越大，业务也越来越广，包括“桔子”在内的很多“出料”高手都是她的“老朋友”。
张某说，他认识谢某后很快就把手中的70多条“料”出完了。在盗刷之前，张某、谢某和“桔子”三个人约定了分成比例，即由张某分得盗刷总额的60%，谢某分10%，“桔子”分30%。
注意刷卡安全
当心伸向信用卡的“黑手”
记者了解到，正规的POS机带有一旦被非法拆解改装就自毁的程序，但掌握“黑科技”的韩某找到了避免激发该自毁程序的方法，导致大量加装盗取信用卡信息电子模块的非法改装POS机流入市面。
办案民警表示，这种信用卡盗刷案的作案手法十分隐秘，因为POS机被非法改装后从外观上无法识别，消费者在用卡过程中不易察觉，很难防范。
目前，尽管已发案的系列信用卡诈骗案均已侦破，但办案民警在侦查中发现的100多个信用卡犯罪QQ交流群却依然活跃着，这些QQ群并没有因为某个“重要人物”的落网而消失，反而又出现了一批新的犯罪“专家”。
民警提醒广大消费者，一旦遇到银行卡被盗刷的情况，应及时打110报警。同时，加强事前防范，消除隐患、减少损失。
首先，尽快把磁条卡更换成IC芯片卡。磁条卡由于技术上的原因，很容易被不法分子复制，而IC芯片卡的安全级别更高，更不容易被复制卡片信息。
其次，设定网上交易限额。建议广大持卡人设置网上交易额度，避免大额损失。
另外，消费者在使用银行卡时，若不能确定用卡环境是否安全，应尽快向银行发出求助请求，消除风险。