当前,储户存款被冒取的现象频繁发生,存款安全遭受严重威胁。犯罪分子为窃取储户银行卡号和密码的手段无所不用其极,如利用隐蔽摄像头、听储户按键声音辨认、利用网络等手段,有的犯罪分子竟猖狂地将窃取储户银行卡信息的窃密电码盒安装到自动取款机上或自助银行的门上,有的犯罪分子跨境作案。在美国曾于2005年6月17 At present, the phenomenon that depositors’ deposits are being taken is frequent and the deposit security is seriously threatened. Criminals use the means of stealing the bank card number and password of depositors extremely much. For example, using hidden cameras, recognizing the keystroke sounds of depositors and using the Internet and other means, some criminals are furiously stealing the lockers of bank-bank card information Installed to ATMs or self-service banking doors, some criminals cross-border committing the crime. In America, on June 17, 2005