近日，中國發生一起令人震驚的盜刷案件，揭示利用手機NFC功能實施的高科技金融詐騙手法。兩名嫌疑人僅靠一部配置NFC功能的智慧型手機，便成功從多位受害人手中盜刷超過80萬元人民幣。整個過程幾乎無聲無息，且行動極具隱蔽性。

所謂的NFC（近場通信）功能，原本是為方便用戶在手機與其他設備之間進行快速資料傳輸或支付操作。然而，這項便利的技術若被不法分子利用，則可能成為金融安全的一大漏洞。據警方調查，這些嫌犯只需將手機靠近未加保護的銀行卡表面，手機即可讀取卡片資料。若卡片未設定密碼或支付安全機制，則會直接被觸發小額付款，甚至開啟盜刷的通道。

盜刷行動多發生在人多擁擠的公共場合，例如地鐵、公交車或商場。嫌犯會裝作普通路人，悄悄將手機貼近受害者的背包、口袋或手拿的錢包，只需短短幾秒，即可完成資料竊取與小額交易。受害人往往毫無察覺，等發現異常時，資金早已被轉走。

報導指出，嫌疑人經過事前研究與技術準備，甚至對銀行卡支付規則和限額瞭若指掌。他們利用非法途徑購得可模擬POS機的裝置與軟體，再透過手機模擬感應裝置完成交易，讓整個詐騙過程更具隱蔽性與流動性。

警方強烈呼籲民眾應高度重視金融安全問題。首先，應避免將銀行卡隨意置於外露處，尤其是支持「閃付」功能的感應式信用卡。其次，建議關閉非必要的小額免密支付功能，並定期檢查銀行帳戶動態，及時報警處理任何異常支出。此外，也可使用金屬卡套或防感應卡包，以有效屏蔽NFC信號，避免個人資料在不知情的情況下被讀取。

這起案件不僅凸顯高科技詐騙的日益猖獗，也對當前的行動支付安全機制敲響警鐘。在享受科技便利的同時，每位用戶都應加強防範意識，確保自身財產不受侵害。

Recently, a shocking case of financial fraud was reported in China, exposing a sophisticated scam that exploited the NFC (Near Field Communication) function of smartphones. With nothing more than a smartphone equipped with NFC, two suspects managed to steal over 800,000 RMB from multiple victims. The entire operation was carried out almost silently and with a high degree of stealth.

NFC, originally designed to allow users to quickly transfer data or make payments by bringing devices into close proximity, is a convenient technology. However, when misused by criminals, it can become a major vulnerability in financial security. According to police investigations, the suspects only needed to bring their phone close to an unprotected bank card. If the card lacked proper security measures like a password or transaction limit, the phone could directly trigger contactless micropayments, opening the door for unauthorized withdrawals.

These thefts typically occurred in crowded public places such as subways, buses, or shopping malls. The perpetrators posed as ordinary bystanders and discreetly brought their phone close to victims’ bags, pockets, or wallets. In just a few seconds, they were able to steal card data and initiate small transactions. Most victims had no awareness of the theft until they noticed missing funds.

Reports indicate that the suspects had thoroughly researched bank card payment protocols and limits. They acquired illegal POS emulation tools and software, enabling their smartphones to simulate card readers and complete transactions. This made the fraud highly concealed and mobile, increasing its threat level.

The police have issued a strong warning to the public to remain vigilant about financial security. First, avoid carrying bank cards openly, especially contactless credit cards that support “tap to pay” functions. It is also recommended to disable no-password micropayment features if not needed, regularly monitor bank account activity, and report any suspicious transactions immediately. Additionally, using metal card sleeves or RFID-blocking wallets can effectively prevent unauthorized NFC scanning and protect personal information from being read without consent.

This case not only highlights the growing prevalence of high-tech fraud, but also serves as a wake-up call for the vulnerabilities in mobile payment systems. As we continue to enjoy the convenience of modern technology, every user should strengthen their awareness and safeguards to protect their assets from potential threats.