“隔空”盗刷信用卡，为何屡禁不止？

Core Viewpoint - The article discusses the recent incidents of credit card fraud involving Shanghai Pudong Development Bank's Mastercard "Priceless World Card" and highlights the vulnerabilities in overseas credit card transactions, particularly the risks associated with magnetic stripe cards and the lack of password verification in many international payment scenarios [3][4]. Group 1: How Fraud Occurs - Credit card transactions overseas often require only the card number, expiration date, and CVV code, making it easier for stolen information to be used for unauthorized transactions [4]. - The CVV code is a critical element for offline transactions and can be stolen through various means, including data breaches, dark web sales, phishing scams, and physical theft [5]. - Criminals often wait to use stolen information by binding it to NFC-enabled mobile wallets, leading to a surge in fraudulent transactions after a delay [6]. Group 2: Unusual Fraud Amounts - Some users reported fraudulent charges significantly exceeding their credit limits, attributed to the offline transaction mechanism that allows merchants to process payments without real-time verification [8]. - The delay in updating available credit balances allows criminals to exploit the system, leading to inflated available balances during the fraud [9]. Group 3: Responsibility Allocation - The responsibility for credit card fraud is often debated, with banks typically bearing the burden of proof in disputes. If banks fail to identify fraudulent transactions, they may be held liable for losses [10][11]. - In practice, banks often cover over 70% of the losses in fraud cases, although cross-border transactions complicate the process of claiming refunds [11][12]. Group 4: Payment Security Measures - The continued use of magnetic stripe cards is a significant factor in the prevalence of fraud, as they are more vulnerable compared to EMV chip cards [13]. - The transition to chip cards is essential for enhancing payment security, and efforts are being made to phase out magnetic stripe cards in favor of more secure options [14].