A man's mobile phone online banking binding number was changed and nearly100000 yuan was stolen. What are the omissions of the bank?

Mr. Wang of Tongchuan, Shaanxi Province, had his deposit of 654.38 million yuan transferred by a stranger without leaving his bank card, ID card and mobile phone.

Upon inquiry, it was165438+1October 27th that someone changed the mobile phone number bound by mobile banking, and then transferred all the money out by mobile banking in five installments, from11October 27th/kloc-0. 1October 28th 1 1: 4 1: 48, 20,000 yuan and 30,000 yuan were transferred respectively, totaling * * * 9998 yuan. It was not until the bank informed him that the account number was abnormal that Mr. Wang found that his deposit of nearly 65,438+10,000 yuan was transferred.

Mr. Wang reported to the police, Tongchuan Banking Insurance Regulatory Bureau has intervened, and the rural credit cooperative union of the deposit area indicated that it would fully cooperate with the investigation.

How is the money transferred? Is it a cloned bank card?

My mobile phone, bank card and ID card have always been on me, never leaving my body, and my mobile phone has never been lost, indicating that at least my bank card and mobile phone have not been leaked. Bank cards are easier to clone. If the bank card is cloned, the losses caused should be compensated by the bank. After all, the safety of deposits is the responsibility of banks.

How to modify the mobile phone number bound by mobile online banking?

Modifying the mobile phone number bound by online banking belongs to the bank's strict risk control business, so it belongs to the strict bank counter business. According to the relevant regulations, I need to bring my ID card to the counter to modify the mobile phone number bound by online banking. Under normal circumstances, I can't handle it on my behalf, and the modification of Mr. Wang's mobile phone number bound by online banking has become the key to this case. The staff said that the preliminary investigation has confirmed that the modification of the mobile phone number bound by online banking is really not done by Mr. Wang himself, and more importantly, it is not carried out through the counter.

How to use bank cards correctly?

Avoid using simple numbers such as birthday, ID number and telephone number, and distinguish between inquiry passwords and consumer transaction passwords. Bank cards and valid identity documents should be kept separately to prevent loss at the same time; Never write the password on the card. Make sure that only the cardholder knows the password of the card. Ensuring password security provides the first barrier for ensuring the safety of credit card consumption.

When you swipe your card, don't leave the card at any time and place. Especially when dining in a restaurant, the waiter asks to take the card with him when checking out at the service desk to avoid the card being copied or stolen, and always pay attention to the number of times the cashier swipes the card.

After swiping the card, carefully check whether the amount and currency information on the purchase order is correct. Transaction vouchers such as purchase orders should be kept for as long as possible. Credit card transactions should be kept at least until the billing date, and debit card transactions should be kept at least until the inquiry details are confirmed. Check the bank card statement carefully. If you find any unknown transactions, contact the issuing bank immediately.

When the bank card expires, please destroy the magnetic stripe (or chip) of the old card when issuing a new card; Keep bank card orders, statements and other documents properly; Never tell others that you don't know the card number or reply to suspicious emails and text messages asking for the card number, and don't leave the card number information in computers in public places.