防范以银行卡密码为突破口的犯罪侵害

To Prevent the Crime Committed Based on Bank Card as the Breakthrough

当前,银行卡使用密码的便捷性与安全性的矛盾日益突出。人为设置密码的安全性受制于设置者的智力水平和对安全性能考虑的周密程度,人为设置密码的经常变更也无法抵御随时可能发生的密码被窃取或者骗取的风险。非法获取他人密码是"前置性犯罪",而获取他人密码之后的犯罪活动可称为"后发性犯罪"。应当在《个人信息保护法》中明确对密码的特别保护,进一步明确银行在保护客户密码安全方面的义务,努力创造条件对银行账户采用生理纹线识别技术。

The frequent change of the password can not prevent or defend the password from being stolen or cheated which might happen from time to time. Special protection should be explicitly stipulated in Individual Data Protection Law. In addition, the bank＇s responsibility on the protection of the safety of customer＇s password should be further defined; conditions should be created for the adoption of physiological dermal ridge technology in order to identify bank account.