Withdraw money at ATMs with CCCD chip: How to be safe?

Instead of having to take many bank cards to ATMs to withdraw money, with a citizen identification card (CCCD) with an electronic chip, people can now perform banking transactions with many conveniences. such as depositing and withdrawing money at ATMs and also transferring money easily and quickly, ensuring safety and confidentiality of information.

Accordingly, after the account holder scans CCCD with chip via device at ATM, the bank will check and compare the information on the card. After that, the system continues to authenticate the customer’s face and fingerprint to prevent account fraud before the citizen makes a withdrawal transaction.

Currently, a number of major banks in Vietnam are collaborating with the Center for Research and Application of Population Data and CCCD – the Ministry of Public Security to pilot the application of CCCD cards with chips to replace ATM cards to withdraw money at ATMs in Vietnam. Bank branches in Hanoi and Quang Ninh.

Without needing many procedures and papers, people can withdraw and transfer money at ATMs with only a CCCD card with a chip. Illustration – Photo: Labor.

Scam from an unauthorized bank account

The CCCD chip with integrated banking services is expected to help reduce risks and increase safety in banking transactions. Because of the fact that in the past time, taking advantage of unofficial bank accounts and using fake identity cards, many subjects have committed crimes. Their activities are now not only deceiving people, but more seriously, also deceiving banks.

Using someone else’s ID card with a face similar to yours is the way that scammers take over the accounts of many individuals.

Defendant Tran Thuy Anh (Cau Giay district, Hanoi) used the identity cards of 3 other people with similar facial features to open 7 bank accounts with the purpose of acting as an intermediary to receive money. money from the accounts appropriated.

With this trick, Tran Thuy Anh went to the bank to withdraw money 8 times without any difficulty, the most withdrawal time was 4 billion dong.

“The staff asked if the face in the ID card looks younger than me now, I replied because the ID card has been open for a long time, it also changes over time. Considering the signature and face are similar like me, so they still let me withdraw money”, accused Tran Thuy Anh said.

The subjects forged identity cards and pasted photos of themselves but other people’s names to deceive telecommunications carriers.

The subjects also forged identity cards with pictures of themselves and other people’s names to deceive telecommunications carriers. The purpose is to get the phone sim to gain access to Internet banking. The subjects obtained account information by obtaining information on football betting websites, lotteries and then colluding with bank staff to obtain identity card information and account holders’ signatures.

Cybercriminals, all transacted over the network. Bank accounts are the ultimate destination to find out who the criminal is. Therefore, subjects will use unofficial accounts to hide their identities. Most of the cases use cyberspace to commit crimes, the subjects are using unofficial accounts.

There are 2 types of non-original accounts that cybercriminals often use: The first is to buy someone else’s account to withdraw money via card; Second, use someone else’s identity card or fake identity card to open an account and then withdraw money by card or directly at the bank.

Information security is extremely important with any card. Previously, if the ATM card was lost, the crooks could find the pin code and withdraw money. If the CCCD card is lost or stolen, is there a risk of losing money?

Until now, there have been regulations of the State Bank on opening and using ATM cards, responsibilities of ATM cardholders as well as banks. So, with the withdrawal of money using a chip-mounted CCCD card, what are the specific legal regulations?

Around the above issues, the program Today’s problem With the participation of Lieutenant Colonel Nguyen Thanh Vinh – Deputy Director of the Center for Research and Application of Population Data and Citizen Identity, the Ministry of Public Security has made detailed analysis!

* Invite readers to watch programs broadcast by Vietnam Television on TV Online and VTVGo!