According to domestic media reports, starting from May 1, domestic banks will completely shut down the magnetic stripe trading function of the chip magnetic strip composite card. That is to say, a composite card that has both a magnetic strip and a chip can only use the chip function after May this year, and the magnetic strip bank card can continue to be used without being affected.
Will the chip strip magnetic stripe magnetic stripe trading function be closed, will it affect the use of such bank cards? In the context of pure magnetic stripe bank cards can continue to be used, how should we prevent bank cards from being stolen? What should I do if a bank card is stolen? In response to these issues that have been widely concerned, the reporter interviewed relevant industry insiders.
Turn off magnetic stripe trading
It does not affect the use of
"Lanzhou, a man's bank card was stolen by a thief, but he was a "friend"", "Nanjing a woman bank card was stolen by a colleague," and "Zhangzhou men's bank card was stolen and more than 30,000 yuan was sentenced to the bank." Responsibility, "Women’s bank card is carried without being lost, but it was swept by a night of 1.43 million." In recent years, the news about the theft of bank cards has been heard. Many people are worried about the news and worry that they will become the next card. The object of the money was stolen.
"The main reason for the bank card being stolen is the magnetic stripe card. This is because the magnetic stripe card can easily leave the information of the bank card when the card is swiped on the POS or ATM machine. The criminals can steal the bank card by copying the information. A staff member of a state-owned bank in Jilin Province said that the current bank cards are mainly divided into magnetic stripe cards, chip cards and chip magnetic stripe composite cards. Among them, the magnetic strip chip composite card refers to a composite card that has both the function of a magnetic stripe card and a chip card.
According to the staff, after the May 1st, it is only the chip magnetic stripe composite magnetic stripe trading function. After that, the chip magnetic stripe composite card becomes a pure chip card. Although the magnetic stripe transaction function of the chip magnetic stripe composite card, that is, the card swipe function normally mentioned, is turned off, it does not affect the card and the close-range non-contact "swing card" payment.
"The magnetic stripe card has long been no longer issued. Now the stocks used in the previous years are all issued in the previous years. The magnetic stripe card can be used normally after May 1st. So far, we have not received the magnetic stripe card. The mandatory card change notice." The staff of the aforementioned state-owned bank Jilin Branch said, but even so, it is recommended that you replace the magnetic stripe card in your hand with a chip card because the chip card is safer.
May 1 should be the deadline
It is reported that the internationally issued financial IC card is a chip magnetic strip composite card, and the domestically issued chip magnetic strip composite card is more limited by the financial IC card acceptance environment transformation progress and ATM magnetic stripe pre-judgment. On the one hand, because there are many types of bank card acceptance terminals in the market, such as POS, ATM, non-cash payment terminals, and telephone payment terminals, the transformation work needs to be completed step by step. On the other hand, in order to prevent the ATM card from being damaged by foreign objects such as non-bank cards, the ATM is required to perform magnetic strip pre-judgment when accepting the bank card.
As early as 2011, the central bank launched a comprehensive promotion of financial IC card application in China, and gradually replaced the magnetic stripe card with a chip card. The "chip card is more secure" is an important reason for replacing the magnetic stripe card.
A banker from Jilin Province said that about two or three years ago, banks had already shut down the degraded use of chip magnetic stripe composite cards. The so-called chip magnetic stripe composite card degrading use function, that is, the cardholder mainly uses the chip magnetic stripe composite card swipe function, instead of using the card and swing card function.
In the opinion of the industry, since May 1, 2017, the magnetic stripe trading of the chip magnetic strip composite card has been completely closed. It can be understood that the central bank issued a magnetic strip transaction for closing the chip magnetic strip composite card to various commercial banks. deadline.
Bank card was stolen
The bank card was stolen and the incidents were endless. Previously, theft was mostly done on credit cards, and now it has gradually covered almost all types of bank cards.
"If the card is stolen, the card owner wants to recover the loss. It is the key to extract the evidence and save the evidence as soon as possible." Liu Guohua, the director of Guangdong Benben Law Firm, believes that unlike many ordinary cases, For the card owner, some evidence can be obtained directly, and some evidence can only be obtained through the bank or the public security department, so it is important to take evidence according to the steps.
Liu Guohua said that after discovering that the bank card has been stolen, the card owner should immediately call the bank customer service phone to report the loss and avoid further expansion of the stolen brush loss. In addition, the card owner remembers the call time and asks the bank customer service staff number to verify the situation in the event of litigation. Record the call log if necessary.
The card owner immediately takes the bank card to one or two nearby teller machines for operation (for example, taking one hundred yuan, then depositing one hundred yuan, etc.), and retaining the corresponding small ticket. The purpose of this is to prove that the bank card and the card owner are together. When the card is stolen, the bank card and the card owner are both in the local area, and the card is not on the scene. It is impossible to spend the card at the same time.
Immediately report the case to the public security organ, detail the situation of the stolen brush, and retain the alarm receipt to prove that the bank card is still kept by itself, and the fraudulent consumption is not the person (if necessary, the public security organ is requested to obtain the surveillance video to prove the cashier The non-card owner himself, or provide evidence that he was not at the time.
If the card owner has already opened the online bank, the consumer record can be printed on the Internet to prove that the address of the bank card is not local, so it is impossible for the card owner to act; if the online bank has not yet opened, you can go to UnionPay to retrieve the card record. Report the situation to the bank involved and ask them to withdraw the surveillance video to prove that the payer is not the person.
"After obtaining relevant evidence, the bank is required to negotiate with the bank to require the bank to compensate for the losses caused by theft. If the negotiation fails, it may bring a civil action to the court for bank compensation." Liu Guohua said, but due to improper storage or bank card password leakage, etc. The bank card is stolen and the card owner may have to bear some or all of the losses.
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