Every day, hundreds of thousands of us pop into coffee shops. While we sip our cappuccinos, we may connect our smartphones to the cafes’ Wi-Fi network, and catch up with friends via services such as Facebook。

每天都有好幾十萬人光顧咖啡館。我們一邊啜飲著卡布奇諾，一邊用手機上著免費Wifi，刷著Facebook等社交網圍觀朋友近況。

As well as socialising, we may use the time and free access to a wireless connection to get on top of our finances. That ￡75 you owe the plumber can be paid instantly by accessing your bank’s website or app. Transferring money from your savings account to your current account is nothing more than a few taps on your screen。

除了社交，我們也會利用這空閑時間和免費網絡處理一下財務問題。比如說，你能登錄網上銀行或者銀行應用來還欠水管工的75英鎊，而且馬上就能到賬。只需要在手機屏上輕敲幾下，你就可以把儲蓄賬戶的錢轉到消費賬戶，就是這么簡單。

But what coffee drinkers do not suspect is that lurking among their fellow latte lovers are bank robbers。

但是慢悠悠喝著咖啡的人們從沒想到，銀行盜賊會潛伏在他們周圍那些愛喝拿鐵的顧客里。

Unbeknown to you, this modern form of bank robber is silently harvesting all your private data. The only sign of his thievery is perhaps a little smile as your bank log-in details appear on his screen, ready for him to copy and paste before plundering your account within seconds of you finishing your coffee。

你不知道的是，這種新型網銀盜賊悄悄地收集著你的私人數(shù)據(jù)。盜竊發(fā)生的跡象幾乎是無痕的，你的網銀登錄信息出現(xiàn)在他屏幕上之后、他微微一笑，然后就可以復制粘貼你的賬號密碼，不等你喝完咖啡就刷光你的卡。

In short, you’ve just been mugged — but you’ll only realise when you later go to a cash machine to withdraw some money, and discover that every penny in your account has been cleared out. During an anxious phone call to the bank, you’ll learn that an online thief has hacked into your account and stolen all your money。

簡單來說，你剛剛被盜了——但是只有你去取款機取錢、發(fā)現(xiàn)卡里一分錢都沒有了的時候，才會發(fā)現(xiàn)自己被盜。等到你焦急地給銀行打電話時，你就會明白是一個網絡小偷黑了你的網銀，偷光了你的錢。

One route is through your phone’s wireless ‘Bluetooth’ function, which, when switched on, allows it to ‘talk’ to other enabled devices nearby. This means that a hacker sitting near you can use his Bluetooth-enabled laptop to connect to your device without your knowledge. This process is sometimes called ‘bluejacking’ or, more properly, ‘bluesnarfing’ (from the slang word ‘snarf’ which means to eat, drink or devour)。

網銀失竊有時是通過藍牙功能，打開藍牙、周圍也開著藍牙功能的手機就能接收到你的信息。也就是說，一個坐在你旁邊的黑客可以用他開著藍牙的電腦來連接你的手機，而你對此一無所知。這種方式有時被叫做“藍牙盜竊”，或者更多被叫做“藍牙吞噬”。(所謂吞噬，就是說對方吃掉了你的信息，有時還有錢)

The more common method is for crooks to use your smartphone’s Wi-Fi connection. They rely on the fact that most of us are blase about the security of the networks we connect to。

更常見的盜竊手段是利用你手機的Wifi連接，他們就是欺負我們一般人對于Wifi的安全性毫不關心。

For example, when you are in a coffee shop, your smartphone will present you with a list of available Wi-Fi networks that you can use to connect your phone to the internet. The majority of these networks are run by legitimate companies, but sometimes they are actually created by a criminal sitting nearby with little more than a laptop。

比如說，你在咖啡館的時候，手機能搜到一大堆Wifi，鏈接這些Wifi就能夠手機上網了。這些Wifi中大多數(shù)都是合法的，但是也有的就是你旁邊的黑客僅用一臺手提電腦創(chuàng)建的網絡。

These networks are often given innocent-sounding names, such as ‘Free Public Wi-Fi’, that gull smartphone users into logging in. On the surface, everything seems normal, and you will be able to connect just as you would with a legitimate Wi-Fi service。

這些Wifi一般都有個純潔無辜的名字，比如“免費公共無線”，好騙你們上鉤。表面看來一切正常，能上網能下載，和你連接合法Wifi一樣。

However, because you have connected to a network controlled by a thief, he can monitor everything you do, enabling him to vacuum up passwords and login details for your bank account. In fact, the process is so simple that the thieves can steal thousands of pounds in just a few hours while sitting in their local Starbucks。

不過，因為你連了一個由盜賊控制的Wifi，你干嘛他都看得見，所以他就能讀取到你的網銀密碼和登錄信息。事實上，這個過程不過是舉手之勞，所以小偷們只需要在附近的星巴克坐上幾個小時，就能偷到好幾千英鎊。