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。

每天都有好几十万人光顾咖啡馆。我们一边啜饮着卡布奇诺，一边用手机上着免费Wifi，刷着Facebook等社交网围观朋友近况。

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，我们也会利用这空闲时间和免费网络处理一下财务问题。比如说，你能登录网上银行或者银行应用来还欠水管工的75英镑，而且马上就能到账。只需要在手机屏上轻敲几下，你就可以把储蓄账户的钱转到消费账户，就是这么简单。

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

但是慢悠悠喝着咖啡的人们从没想到，银行盗贼会潜伏在他们周围那些爱喝拿铁的顾客里。

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，这种新型网银盗贼悄悄地收集着你的私人数据。盗窃发生的迹象几乎是无痕的，你的网银登录信息出现在他屏幕上之后、他微微一笑，然后就可以复制粘贴你的账号密码，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。

简单来说，你刚刚被盗了——但是只有你去取款机取钱、发现卡里一分钱都没有了的时候，才会发现自己被盗。等到你焦急地给银行打电话时，你就会明白是一个网络小偷黑了你的网银，偷光了你的钱。

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)。

网银失窃有时是通过蓝牙功能，打开蓝牙、周围也开着蓝牙功能的手机就能接收到你的信息。也就是说，一个坐在你旁边的黑客可以用他开着蓝牙的电脑来连接你的手机，而你对此一无所知。这种方式有时被叫做“蓝牙盗窃”，或者更多被叫做“蓝牙吞噬”。(所谓吞噬，就是说对方吃掉了你的信息，有时还有钱)

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。

更常见的盗窃手段是利用你手机的Wifi连接，他们就是欺负我们一般人对于Wifi的安全性毫不关心。

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。

比如说，你在咖啡馆的时候，手机能搜到一大堆Wifi，链接这些Wifi就能够手机上网了。这些Wifi中大多数都是合法的，但是也有的就是你旁边的黑客仅用一台手提电脑创建的网络。

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。

这些Wifi一般都有个纯洁无辜的名字，比如“免费公共无线”，好骗你们上钩。表面看来一切正常，能上网能下载，和你连接合法Wifi一样。

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。

不过，因为你连了一个由盗贼控制的Wifi，你干嘛他都看得见，所以他就能读取到你的网银密码和登录信息。事实上，这个过程不过是举手之劳，所以小偷们只需要在附近的星巴克坐上几个小时，就能偷到好几千英镑。