According to He Xingping's account, Gu Chen basically knew why Wang Guifang's bank card cash was suddenly stolen without any operation.

It can be said that in this case, the sniffing equipment used by the criminal suspect He Xingping was very cheap.

As for sniffing technology, it is not a high-tech technology, but why can it be succeeded so often?

Gu Chen naturally wanted to reflect.

He Xingping, who was captured, also took the initiative to confess: "You register information with real names on some apps, often for convenience."

"But when you forget your password, you can log in through the SMS verification code. This will be very convenient for you."

"At the same time, it is also convenient for those of us to steal your personal information. Log in through this verification code, which is convenient for you and me."

"Yes, convenient payment is indeed a double-edged sword." Gu Chen also admitted this.

What He Xingping said is exactly where the loopholes of mobile payment lie.

Moreover, Officer Wang also randomly selected several commonly used APPs on his mobile phone for testing. These APPs can generally be logged in through username and password, or mobile phone number and dynamic verification code.

When a user forgets his password, he can retrieve his password by sending a verification code via his mobile phone number.

All this seems very convenient and safe for users.

However, criminals use mobile phone numbers, add dynamic verification codes, and have the convenience of logging in. They choose to enter the user's mobile phone number on their mobile phone or computer in the dead of night when people's awareness of prevention is relatively low.

Then use the intercepted dynamic verification code to log in to the user's APP to steal the user's funds.

But the method of adding a verification code on a mobile phone is probably the most common method used by many APPs now, especially in the cyberspace.

And this is not just one or two, but a common verification method.

However, this verification method itself has certain security risks.

In other words, first of all, the verification code may be intercepted, and this is one of them.

The second one is the reserved mobile phone number. In fact, the possibility of this number being leaked is also very high.

Therefore, adding these two methods together to form a unique verification method has certain loopholes.

Gu Chen knew very well that operators and banks should supplement it with other verification methods as much as possible.

Not only that, many Internet companies do not protect users' personal information very well.

When people log in to many apps and use many mobile services, each mobile service requires individuals to provide some personal data.

So when people enter so many websites and use them for so many purposes, almost all of their information is stored in various nodes on the Internet, with a lot of backups.

However, if any of these backups are lost, leaked, etc., all personal data will be lost.

Because criminal suspects can deliberately interfere with mobile phone signals, this will cause 4G and 5G mobile phones to switch to 2G networks.

However, the inherent shortcomings of the 2G network are difficult to make up for at the moment.

This requires many Internet companies and banks not to use mobile phones and dynamic verification codes as the only method of identity verification.

Other verification methods should be added as much as possible to supplement them.

At the same time, ordinary users should also strengthen personal precautions.

Seeing that Gu Chen had been writing a draft in the notebook, Lu Weiwei couldn't help but crane her neck.

While Gu Chen was asking He Xingping, he had already started drafting a plan to prevent leakage.

Glancing at He Xingping, Gu Chen asked again: "By the way, your sniffing technology should be quite difficult to deal with."

"If it's you, from your own perspective, do you have any suitable ways to prevent it? I'd like to hear your opinion."

Gu Chen really needed to listen to He Xingping's opinion.

From different angles, the person who commits the crime often has a more macroscopic view than the victim.

He Xingping nodded and said: "The best way is that if you want to bind a third-party platform bank card, try not to put too much money into it."

"In other words, poverty can prevent theft?" Officer Wang suddenly felt deeply.

I feel like after so many years of hard work, I suddenly had an epiphany. It seems that being poor is not a bad thing. At least I don’t have to worry about thieves thinking about it. That’s true.

He Xingping was also stunned, then nodded and said: "Oh...that's pretty much what it means."

After Gu Chen understood the situation at the scene clearly, he took out the handcuffs and handcuffed He Xingping directly: "Please come with us back to Furong Branch for investigation."

…

…

After bringing He Xingping back to the Furong Branch, he also brought back the equipment that He Xingping rented out for debugging.

Gu Chen handed these to He Junchao and asked He Junchao to sort out the data.

At the same time, Wang Guifang, who had been waiting for a long time in the Office of Group 3 of Furong Branch, also got the missing 50,000 yuan in cash as she wished. Her jaw almost dropped in shock.

She grabbed Gu Chen's hand and said, "Officer Gu, thank you so much. I didn't expect that my stolen cash would be recovered so quickly. Isn't your efficiency too high?"

"It's okay, I wish I could get the cash back..."

Before Gu Chen finished speaking, Wang Guifang immediately interrupted: "I've heard it all. In a situation like mine, it does take a long time to recover it. A best friend of mine lost tens of thousands to telecom fraud last year.

Yuan, I haven’t recovered it yet.”

"Actually, I really don't care about the 50,000 yuan. I just think that there is so much cash in the card. If it is all stolen one day, then I will be really in big trouble."

"I know." Gu Chen also reached out to interrupt Wang Guifang's words, and continued to warn: "But I want to remind you here, your name, mobile phone number, dynamic SMS verification code, as well as ID card information and bank card account number,

It has been mastered by others. It is recommended that you change this information immediately to avoid encountering the same situation again."

This chapter is not over yet, please click on the next page to continue reading! "You...what did you say? My name? And these mobile phone numbers, bank cards, etc. How can other people know these things?"

Gu Chen couldn't give her a detailed explanation for a while, so he reorganized his words and said: "Let me tell you simply, your mobile phone signal was interfered with and directly turned into a 2G signal."

"The criminal suspect took advantage of the loopholes in the 2G signal to capture your mobile phone number and dynamic verification code, and then used these to log in to all the social apps you registered, and used these login accounts to piece together and capture your

other information."

"This includes your ID number, name, and bank card information."

"Through this data, criminal suspects can accurately grasp your income, so if you don't strengthen your precautions now, I'm afraid theft will still happen."

"Is it... really so scary?"

Also listening to Gu Chen's explanation, Wang Guifang suddenly panicked.

You know, you are considered a rich woman after all, but now your identity information is completely controlled by criminals.

In this way, wouldn't he become a cash machine for criminals?

Thinking of this, Wang Guifang almost burst into tears: "Officer Gu, then... what should I do? What should I do?"

"Don't worry." Gu Chen had already anticipated Wang Guifang's reaction, so he suggested: "If you want to bind a third-party platform bank card, try not to put too much money into it."

“This is because criminals take advantage of passwordless payment, that is, the loophole in which payment can be made with SMS verification code, to steal your money.”

"So, when it comes to the bank card bound to the third-party platform, you should try not to put too much money in it."

"Okay, I'll listen to you." Wang Guifang suddenly nodded like a chicken pecking at rice. She felt panicked and asked: "Besides this, what other aspects need to be paid attention to?"

After Gu Chen thought about it, he added: "If you suddenly receive an unknown verification code and then find that your bank card has been stolen, don't panic."

"The first thing you should think of is to go to the public security bureau to call the police immediately, stop the payment immediately, and report the loss of your bank card and freeze it."

"The next thing will be left to our public security organs to help you recover the money, do you understand?"

"Ming... understand, I understand." Of course Wang Guifang understood. If she didn't understand, she might be about to change from a rich woman to a negative woman. Of course she had to understand.

Zhang Peijun, the vice president of the bank on the side, was also shocked and said: "I didn't expect, I really didn't expect that these criminals' methods of committing crimes are getting more and more sophisticated now, and it's impossible to prevent them."

After looking at Wang Guifang, Zhang Peijun then said: "Sister Wang, I have already said that this matter must have nothing to do with our bank. There must be something wrong somewhere. You see, you threw the responsibility on our bank from the beginning.

It’s really difficult for us to do it if so many customers see it.”

Wang Guifang was also smiling at this moment and quickly apologized to Zhang Peijun: "Brother Zhang, it was your sister Wang who was reckless and brought such a negative impact to your bank."

"But I was anxious at the time. After all, my bank card was stolen for 50,000 yuan for no reason. If it was really your bank that did it, then I have to be careful."

"After all, in recent years, haven't there been too many cases where your bank leaders secretly diverted customers' funds to speculate in stocks and buy funds?"

When asked by Wang Guifang, Zhang Peijun was immediately speechless.

Indeed, Wang Guifang is telling the truth. In recent years, various bank leaders have repeatedly misappropriated client funds to do private work, and it has become a hot topic in society for a while.

Wang Guifang used this tactic to speak, and Zhang Peijun really had nothing to say. He could only nod his head happily and said: "Sister Wang, what you said is correct, but after all, they are in the minority."

"It's impossible for a mouse poop to ruin a pot of porridge, right? This will never happen in our bank. We fully abide by professional ethics. With me, Zhang Peijun, in the bank, you can deposit money and take out loans.

"

"Okay, I trust you brother." Wang Guifang didn't seem so angry anymore.

Before, the two of them were still arguing about who was right and wrong in the bank lobby. Now that Gu Chen recovered Wang Guifang's stolen funds, Wang Guifang was naturally happy.

Gu Chen then told her about the remedial measures. The first problem Wang Guifang had to solve now was to set the bound third-party payment bank card to a small amount. Naturally, Zhang Peijun had to operate it.

So after Wang Guifang thanked Gu Chen and all three groups of police officers, she followed Zhang Peijun and left the Furong Branch.

Seeing this, He Junchao couldn't help but ask Gu Chen: "By the way, Team Leader Gu, what are you going to do with the He Xingping you captured? Do you want to get rid of the guy he contacted through a single line?"
To be continued...