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信用卡境外被盗刷风波,到底谁的错?

Core Viewpoint - The recent incidents of overseas fraudulent transactions on the "World Mastercard" issued by Shanghai Pudong Development Bank have raised significant concerns regarding the security of chip card technology and the effectiveness of cross-border transaction monitoring systems [1][2]. Group 1: Incident Overview - Multiple users reported unauthorized transactions on their credit cards, leading to investigations by both Shanghai Pudong Development Bank and Mastercard [1]. - Affected cardholders have had their bills cleared temporarily, and the bank has stated that customers will not bear the losses if the transactions are confirmed as fraudulent [2][3]. Group 2: Security Concerns - Analysts highlighted that the incident reveals vulnerabilities in chip card technology, which was previously considered secure, and emphasizes the need for upgrades [1]. - The failure of real-time monitoring systems for cross-border transactions was noted, particularly in regions like Brazil, where fraudulent activities went undetected [1][4]. Group 3: Responsibilities and Collaboration - The primary responsibility for monitoring and intercepting fraudulent transactions lies with the issuing banks, while card organizations are responsible for ensuring the security of the payment network [3][4]. - Experts pointed out that the collaboration between issuing banks and card organizations is currently fragmented, and there is a need for improved data sharing and risk monitoring systems [5]. Group 4: Prevention Measures - Recommendations for cardholders include avoiding letting cards out of sight during transactions, replacing magnetic stripe cards with chip cards, and closing overseas payment functions if not needed [6][7]. - Banks are enhancing their security measures, such as implementing features like "overseas lock" to prevent unauthorized transactions in foreign countries [7].