银行卡盗刷猖狂，过时磁条惹的祸？

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1、银行卡盗刷猖狂，过时磁条惹的祸？U.S.creditand1）debitcard2）fraudisontherise.Accordingtoonesurvey，nearlyathirdofAmericanconsumershavereportedcreditcardfraudinthepastfiveyears.Andpartoftheproblem，asAndreaRockofConsumerReportstellsus，isthatU.S.cardissuersrelyonsecuritysystemsthatlagbehindmeasurestakeninothercountries.“

2、ThecreditanddebitcardsthatmostAmericansusearereallysurprisinglyvulnerabletofraud，”Rocksays.“Because，unlikecardsinmostoftherestoftheworld，theyrelyonoutdatedtechnology.Theaccountinformationthat’sneededtomakeatransactiononAmericancardsisstored，3）unencrypted，onamagneticstripeonthebackofeachcard.”Thatinf

3、ormationiseasilycopiedandreproducedona4）boguscard.Rocksaysthatingeneral，thievesprefertotargetdebitcards，whichallowthemtogetcashfromanATM，insteadofconductingriskytransactionsinastore.Othercountriesmovedbeyondthistechnologyyearsago.TheU.K.，CanadaandHongKongarealreadyusingchip-basedcards，whichareconsid

4、eredmoresecure.（Magneticstripetechnologyisdecades6old.）Cardsusingthechipand-5）PINsystemhaveanembeddedmicrochip.Insteadofswipingthepartwithamagneticstripe，youputthecardintoaterminal，thenenteraPINorsignyourname.It’smoreexpensiveforcriminalstoforgethesecards，saysBrianKrebs，asecurityjournalist.Thenewerc

5、hip-and-PINtechnology“simplyraisesthecostsforthebadguys，”Krebssaid.“It’snotthattheycan’tbreakthesystem―butitmakesitmoreexpensiveforthemto6）fabricatethesecards.”Butwhyhasn’ttheU.S.alreadyadoptedthistechnology？That’sthewrongquestiontoask，saysRossAnderson，whohasworkedonpaymenttechnologyforalmost30years

6、andisaprofessorofsecurityengineeringattheUniversityofCambridge.“Simplyblockingoffoneoftheavenuesofattacksbyfraudstersisn’tenoughtomakefraudvanish，”hesays.Itcanbeagameofcatandmouse.AndersonsaysafteritbecamecommontopaywithchipbasedcardsintheU.K.，around2003，theleveloffraudwentupbecausethievesturnedtosc

7、hemesinvolvingmailandtelephoneorders.Eventually，criminalsfiguredouthowtomakefaketerminalsthatstealinformationfromthecard.Also，thecardsstillhavemagneticstrips，incaseEuropeancardholderswanttotravelabroa