NFC technology to explore: NFC mobile phone can read bank card security?

An NFC cell phone is a cell phone with an NFC module. NFC is a near field communication technology that evolved from contactless radio frequency identification (RFID) developed by Philips Semiconductors, Nokia and Sony and based on it Is RFID and interconnect technology.

NFC technology to explore: NFC mobile phone can read bank card security?

The mobile phone with NFC module can do a lot of corresponding applications, there are three main application modes, they are card mode, NFC mode or peer-to-peer mode, card reader mode.

Card mode

The model is to simulate NFC-enabled devices into a contactless card, such as access control, bank card and so on. Card mode is mainly used in shopping malls and other non-contact mobile payment applications, the user simply phone close to the reader and enter the password to confirm the transaction or accept the transaction, in this way, the card through the contactless reader RF Domain to power, even if the NFC device is dead can work. In this application mode, NFC reading device collects data from TAG-capable NFC mobile phones and then transmits the data to the application processing system for processing. Typical applications include local payment, access control, e-ticket application and the like.

Reader mode

Which is used as a contactless card reader. In this mode, a NFC reader with reading and writing functions can collect data from the TAG and then process it according to the application requirements. Some applications can be performed locally, while others need to communicate with Network interaction can be completed. Movie applications based on this model include electronic advertisement reading and ticket sales, movie ticket sales, and the like, and can also be used for simple data acquisition applications such as acquisition of bus stop site information and park maps.

Point to point

Two NFC-enabled devices are connected to realize peer-to-peer data creation. Based on this mode, multiple NFC-enabled data cameras, PDA computers and mobile phones can be wirelessly interconnected for data exchange and subsequent associated applications Is a local application can also be a web application, the application of this mode to help quickly establish a Bluetooth connection, exchange of mobile phone business cards and data communications.

[Cell phone NFC read bank card information what conditions it]

First of all, we understand the concept of bank card.

Bank card:

Bank card by interface distinction, can be divided into magnetic stripe cards and IC card (chip card)

Subdivision of the chip can be divided into contact, non-contact and dual interface,

Contact: Only support contact transactions, transactions need to plug into the POS machine

Contactless: Only contactless transactions are supported. When trading, they are placed on the POS. Usually the contactless ICs are buried in the card, and the surface can not be seen.

The dual interface indicates that the IC card supports both the above two interfaces at the same time. Therefore, it is only possible for the NFC terminal to read the card information when the bank card is an IC card that supports contactless transactions.

Because the magnetic stripe Kaka information is not encrypted, it is easy to be copied, resulting in the loss of the cardholder, all this year the People's Bank has promoted the chip card, I believe we have received the message.

NFC technology to explore: NFC mobile phone can read bank card security?

【Do not need a password, the phone can really read the bank card information】

Yes, provided that the bank card is an IC card and supports the contactless interface. At this time, some information can be read, such as the name of the cardholder, the cardholder's card type, the cardholder's ID number, the bank card number , Card expiration date, e-cash balance, e-cash transaction log, etc. (these are non-encrypted information in standard financial applications).

How to achieve

Through legitimate terminals (readers) and software can be achieved.

Will threaten the safety of funds?

1. If you do not have e-cash function, no, because you can not read the balance and password of the main account

2. If you use the electronic cash function, the possibility is low

Because the process of electronic cash transactions are verified after the first deduction, so the UnionPay certified POS machine / card reader deducted the balance on the card, did not pass the UnionPay certification machine is no way to successfully deal.

NFC technology to explore: NFC mobile phone can read bank card security?

[NFC will become a hacker's "ATM machine"]

The possibility is there, do not rule out that some people can engage in a POS machine that supports e-cash, and happens to encounter a cardholder with electronic cash, but for hackers to profit in this way, is simply one Kind of insult

There are also analysts believe that the phone only to close the bank card to read the limited information on the card, it can not carry out the transfer operation, so the risk is not large, the network name do not have to worry too much about, because this may be almost zero.

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