Will a liar lose money if he knows my name, phone number and bank card number?

The SMS verification code received by the mobile phone cannot be leaked, because at present, software such as Alipay or WeChat can easily change the login password as long as the SMS verification code, so that the money in Alipay or WeChat will have security risks.

In addition, the personal ID number is also relatively private and cannot be disclosed! If the bank card is bound to the mobile phone, there will be certain risks and the deposit may be stolen. For example, the bank card that the scammer knows is bound to the payment software (Alipay or WeChat, etc. ). At this time, you can modify the payment password by knowing the SMS verification code and bank card number, plus the ID number. We know the importance of payment password. Once we know the payment password, the funds in the mobile phone and the bank card bound to the mobile phone are likely to be looted by scammers.

The ID number, SMS verification code and bank card number bound to the mobile phone can be modified according to the following steps. Let's take WeChat as an example. The specific operation steps are as follows: open WeChat, click Pay-three points in the upper right corner-forget the payment password-enter the ID number and name-verify the bank card information retrieval. Then, under the opened page, select Rebind Bank Card to retrieve, enter the bank card number and the mobile phone number reserved by the bank card, and reset the payment password after obtaining the SMS verification code.

Liars know that the mobile phone number is not terrible, and it is terrible to receive the SMS verification code. If our mobile phone is accidentally lost, even if the liar can't get into our mobile phone, he can receive the text message by unplugging the mobile phone card and plugging it into another mobile phone. Therefore, this time is more dangerous. Because now Alipay or WeChat can log in directly or modify the login password through SMS verification code. Once those criminals can enter our Alipay or WeChat payment interface, the consequences can be imagined!

Regardless of WeChat or Alipay, if you don't know the payment password, you can't make large online transactions such as transfer and code scanning payment. However, if you know the login password, although you can't lose a lot of money, the bank card bound to the mobile phone may also lose some money.

I believe that when you go to a supermarket or convenience store to pay for something, you will usually show the cashier the payment code, and the cashier will scan it with a scanning gun. Alipay or WeChat can pay successfully without entering the payment password. Even if the mobile phone does not have a network, it can also make offline payments to merchants. As long as you enter the main interface of Alipay or WeChat, you can open the payment code to pay the merchant. But don't worry too much, because this payment method does not need to verify the payment password for a single transaction with a payment amount less than 1000 yuan, and it needs to verify the payment password if it exceeds the limit. Therefore, those scammers can't keep brushing.

In addition, at present, third-party payment software such as Alipay or WeChat Pay has a strict intelligent risk control system, which will conduct risk assessment and detection on every transaction in the account. Once the abnormal behavior is found, even if it does not exceed the limit, you need to enter the payment password for verification, and even suspend the trading behavior.

Although the amount paid is relatively small, it is also your own "hard-earned money." So how should we deal with it? It's actually quite simple. Perhaps most users don't know that the payment code in Alipay or WeChat payment can be suspended, which means it is closed when we don't use this function. Let's take Alipay as an example. The operation method is as follows: open Alipay, click on the collection and payment-three points in the upper right corner-to suspend use. After setting, you can't see the payment code even if you log in to Alipay. We can only open it manually when we pay, and we need to enter the payment password for verification.