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?"
"Don't worry about this for now." Gu Chen stopped him directly: "Although this case is not big, the problems it reveals deserve everyone's attention."
"Moreover, it's not that simple to pull out the carrot and lead the industry out of the pit. This He Xingping is just a small player. We still have to rely on him to dig out the entire industry chain."
Officer Ding frowned and asked Gu Chen: "Then what do you think we should do?"
"I'm preparing a piece of material. I want to sort out the information on this issue and send it to Bureau Zhao's work email. I think Bureau Zhao would be interested in it."
"That's the best." Officer Ding also agreed very much with Gu Chen's statement, so he added: "Then it's up to Team Leader Gu to hurry up and tell our brothers if you need help."
"No need now, I guess it will be soon." Gu Chen sat back in his seat and began to prepare the reporting materials.
The subsequent actions will definitely involve the Criminal Investigation Group Three, and the Criminal Investigation Group Three will be the absolute main force in handling the case.
At the same time, it also requires the full cooperation of other departments of the Furong Branch.
Gu Chen, who was well aware of this, needed to hand over a complete report to Zhao Guozhi, so as to obtain some command authority from Zhao Guozhi so as to mobilize other departments to assist in handling the case.
In the office, everyone took Gu Chen's investigation transcript and browsed it over and over again, and suddenly felt that the sniffing technology was a bit scary.
This chapter is not over yet, please click on the next page to continue reading! After reading through it, Officer Ding was shocked and said: "With just a few cheap mobile phones and a worn-out laptop, can you do whatever you want?"
"That's right." Yuan Shasha also thought about it carefully and said with horror: "In that case, our personal information is like water in a pool. Every time we use an Internet service, it is like installing a pipe in the pool, increasing leakage.
risks of."
"But what is worrying is that many pipelines use the same faucet, which is a mobile phone number plus a dynamic verification code." Lu Weiwei added to make everyone understand more clearly.
Officer Wang held his chin, thoughtfully: "The current environment is much better than it was back then, but information network crimes are also increasing."
"The reason why these criminals are able to succeed is that they take advantage of various loopholes in network technology."
He Junchao curled his lips and said: "I hope these telecom operators, Internet companies, banks, and regulatory authorities can think of more ways to effectively protect the people's property safety."
"After all, convenience without safety is meaningless."
“Isn’t this something that banks and network operators should consider strengthening?” another trainee warned.
Soon, the scene became extremely noisy.
A group of police officers with a salary of several thousand dollars began to worry about the safety of the property of these billionaires.
Lu Weiwei raised her hand and said: "Also, there are major APPs. Since it is so natural to ask for permissions, then don't think about being a coward when privacy is leaked."
"Agree." Yuan Shasha also raised her hand and said in agreement: "Sometimes, they really make you feel the sense of despair when they shirk their responsibilities."
"Then the operator should be responsible for the compensation." He Junchao slapped the table and said indignantly: "Who made their base station so unsecure? Not only do they have to compensate, but they also have to pay huge fines, so that these people can't push all kinds of network packages all day long.
Just not doing human affairs."
"Haha, it's so scary. Ordinary people have no way to defend against this. Out of nowhere, text messages come and money is transferred. How to prevent it? The only way to prevent it is by the operator." A female trainee police officer also said.
He couldn't help but say.
Soon, everyone's discussion became heated.
Many other police officers passing by the Group 3 office would stop for a moment as they passed by, thinking that a debate competition was being held in the Group 3 office.
Of course, Gu Chen was also very aware of the seriousness of this kind of thing.
Because sniffing technology, objectively speaking, is really what everyone calls impossible to prevent.
And from the investigation of He Xingping, we can see that he is only a small role.
It can be seen that this criminal gang seems to have appeared in the entire Jiangnan City.
It will obviously be a fierce battle to find this criminal gang and eliminate all its core members.
After Gu Chen analyzed the pros and cons in the report, he checked it again and then sent it to Zhao Guozhi via email.
And Zhao Guozhi also has a tradition that has been preserved, that is, before leaving get off work, he must read his work email before going home.
The work reports sent by all police officers of Furong Branch must be completed on the same day.
For matters that need to be resolved urgently, Zhao Guozhi will immediately understand the situation.
For problems that are not difficult, Zhao Guozhi will solve them the next morning.
This is a bridge of communication between Zhao Guozhi and many police officers in Furong Branch, and it has always been welcomed by everyone.
After Gu Chen finished sending his analysis report, he stretched and moved his muscles and bones.
Seeing that everyone was still discussing, Gu Chen picked up the water cup and went directly to the water dispenser to pour hot water.
Officer Ding also complained to Gu Chen: "Gu Chen, the leakage of personal privacy is really serious now."
"For example, every time I receive various sales calls, I feel frightened. I want to ask where the privacy was leaked, but I don't know who to scold. It is probably the bank's grandsons who leaked it, especially the secretless payment. Although
Convenient, but full of loopholes.”
"Senior Brother Ding." Seeing that Officer Ding seemed to be very enthusiastic about complaining about the bank, Gu Chen also said with a hint of ridicule:
"Objectively speaking, I remember that in the past, bank transfers required the use of an online banking shield, and verification codes alone were not enough. This is something they have done really well."
"But later, when mobile payment became popular, you can transfer money without an online banking shield. All you need is a verification code. It is more convenient and faster."
"I guess later banks were also forced by competitive pressure, which is why some people now just bind mobile phone verification codes, so the banks can't really be blamed for this."
"Yes, I think what Senior Brother Gu said is very objective." Yuan Shasha also agreed with Gu Chen's opinion very much and continued:
"After all, society is progressing, banks are strengthening confidentiality, and scammers are also researching and cracking. This is the relationship between contradictions and shields. Only by putting pressure on each other can we progress."
"It's useless." He Junchao has always been a pessimist. He has been unhappy with the operator for many years and complained directly:
"Nowadays, those operators don't talk about protection. Some of them will also sell your information. All kinds of sales calls are sold by those people."
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