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].

2025.09. 16 然而，这一事件仍引起高度关注：在移动支付盛行、跨境消费日益频繁的背景下，"隔空"盗刷是如何 发生的？一旦损失产生，责任应如何划分？而在磁条卡仍在海外大量使用的现实下，支付安全风险该 如何防范？ 隔空盗刷如何发生？ 与国内"刷卡必须输入密码"的普遍习惯不同，海外信用卡交易中，持卡人多数场景只需提供卡号、有 效期与CVV码（Card Verification Value）即可完成支付。缺乏密码验证的流程，令信用卡信息一 旦泄露，极易被复制利用。 CVV码由发卡行通过算法生成，并印制在卡背签名栏附近。它与卡号、有效期共同构成离线交易的 核心验证要素，主要用于酒店预订、电话订票、网络购物等无需实体卡的支付。 "盗刷的关键往往在于CVV码。"浙江杭州一位支付行业技术专家对记者解释称，"卡号和有效期在很 多支付环节可能被记录，若再加上CVV码，几乎等同于拿到一张可交易的信用卡。" 记者了解到，CVV码被盗取存在多种途径。最常见的是数据泄露，黑客通过攻击电商网站、支付平 台甚至银行数据库，批量窃取卡片信息。暗网交易是另一途径，一整套包括卡号、有效期、CVV、 姓名及地址的信息，售价仅数美元至十几美元 ...

Core Viewpoint - The recent incidents of unauthorized transactions on the Shanghai Pudong Development Bank's Mastercard "Priceless World Card" highlight vulnerabilities in cross-border credit card transactions, particularly regarding the use of CVV codes and the risks associated with magnetic stripe cards [1][2][3]. Group 1: Incident Overview - Multiple users of Shanghai Pudong Development Bank's credit cards reported unauthorized transactions abroad, prompting the bank to offer compensation measures such as point compensation, refunds, and fee waivers [1]. - The bank's credit card center has activated risk prevention mechanisms after detecting abnormal transactions not authorized by cardholders [1]. Group 2: Mechanisms of Fraud - Unauthorized transactions often occur due to the lack of password verification in overseas credit card transactions, where only the card number, expiration date, and CVV code are required [1][2]. - The CVV code can be stolen through various means, including data breaches, phishing scams, and physical theft, making it a critical factor in credit card fraud [2]. - Criminals often wait to use stolen information, binding it to NFC-enabled mobile wallets to evade detection by risk control systems [2]. Group 3: Transaction Mechanisms - The incident raises questions about how users with low credit limits experienced significant unauthorized charges, attributed to the offline transaction mechanism used overseas [3]. - In this mechanism, merchants can complete transactions without real-time interaction with the issuing bank, allowing multiple transactions to occur before the bank updates the available balance [3]. - Some banks may temporarily increase credit limits for overseas transactions, which can be exploited by fraudsters, leading to higher unauthorized charges [3]. Group 4: Responsibility and Legal Framework - The responsibility for credit card fraud often lies with the issuing bank, especially if it fails to identify fraudulent transactions or does not act promptly to prevent them [5][6]. - In judicial practice, banks typically bear over 70% of the responsibility in fraud cases, although cross-border transactions complicate the process of seeking redress [5]. - Courts generally view consumers as the weaker party, placing the onus on banks and related institutions to provide compensation, while internal recovery of costs among institutions is handled separately [5][6]. Group 5: Payment Security Measures - The continued use of magnetic stripe cards is a significant factor in the prevalence of fraud, as they are more susceptible to theft compared to EMV chip cards [7]. - The transition to chip cards is essential for enhancing payment security and improving user experience, as magnetic stripe cards remain widely used overseas [7]. - Mastercard has introduced new chip cards compatible with both EMV and UnionPay standards in China, promoting the replacement of magnetic stripe cards to enhance security [7].

Core Viewpoint - Recently, there have been unauthorized transactions reported on some Shanghai Pudong Development Bank (SPDB) Mastercard cards, prompting the bank to initiate an emergency response to mitigate risks and protect customer interests [4]. Group 1: Incident Overview - SPDB's credit card center detected unauthorized transactions on certain Mastercard cards and acted promptly to block potential risks [4]. - Reports on social media indicated that some customers experienced card fraud and had reported the incidents to the police [4]. Group 2: Response Measures - SPDB emphasized its commitment to customer safety and initiated measures to ensure that customers do not bear undue losses [4]. - Mastercard has collaborated with SPDB to conduct an emergency investigation and established a special team to trace the source of the risk and safeguard customer funds [4]. Group 3: Fraud Prevention Tips - Customers are advised to prevent credit card fraud by disabling overseas payment functions, using account locks, setting payment limits, and enabling transaction alerts [5]. - In case of fraud, customers should immediately report the loss, either through the bank's mobile app or customer service, and follow up with a police report [5].

Domestic - The National Health Commission has approved a draft national standard for the food safety of prepared dishes, which will soon be open for public consultation, marking a significant shift towards regulation in the prepared dish industry [3] - Jiangsu province has added three universities to its list of institutions with recommendation exemption qualifications, bringing the total to 28 [4] - Jiangsu's Human Resources and Social Security Department announced an increase in work injury insurance benefits starting January 1, 2025, affecting approximately 200,000 workers [4] Global - The Ministry of Industry and Information Technology and seven other departments have issued a plan aiming for 32.3 million vehicle sales in 2025, with a target of 15.5 million for new energy vehicles, representing a 20% year-on-year growth [6] - The Zhangjiagang Port to Qianhai Port direct shipping route has been launched, connecting Jiangsu with key logistics nodes in South America, expected to handle about 500,000 tons of cargo annually [6] - Fitch Ratings downgraded France's sovereign credit rating from AA- to A+ due to concerns over the lack of a credible fiscal consolidation plan [6] - The 54th Pacific Islands Forum concluded with leaders reaching consensus on key issues such as climate change and regional security [6] - Apple announced repair costs for the iPhone 17 series, with the standard model's screen repair estimated at 2,698 yuan [6] - Zhuosheng Microelectronics received a warning from the Jiangsu Securities Regulatory Bureau for failing to timely disclose significant shareholding changes [6] - SPD Bank's credit card center reported unauthorized transactions on certain cards but successfully mitigated the risks and protected customer interests [6]

今日(9月13日)，南都N视频记者从上海浦东发展银行股份有限公司信用卡中心获悉，该信用卡中心近期监 测到，部分浦发银行（600000）万事达无价世界卡发生未经授权的交易。信用卡中心与万事达卡组织启动 应急响应，及时发现并阻断了风险。 我中心始终秉持"以客户为中心" 的宗旨,将客户用卡安全置于首位。针 对本次情况,我中心主动回应客户关 切,避免客户承担不应由其承担的损 失,全力维护客户合法权益。 如您有任何疑问，请随时致电24小 时受理电话: (境外) 86-21-38784988 您的及时反馈是对我们工作的最大 帮助,再次感谢您的理解与支持! 上海浦东发展银行股份有限公司 信用卡中心 2025年9月13日 信用卡中心发布的情况说明。 该情况说明补充，信用卡中心始终秉持"以客户为中心"的宗旨。针对本次情况，信用卡中心主动回应客户 关切，避免客户承担不应由其承担的损失，全力维护客户合法权益。 南方都市报(nddaily)报道 南都N视频见习记者付冰洁 (境内)400-820-8788 021-38784988 ▊ 阅读更多(戳下方标题) 点击图片阅读 老牌果汁再曝"家 t 寻致大面积断货 11.8-4-18 11 ...

Core Viewpoint - Shanghai Pudong Development Bank Co., Ltd. Credit Card Center reported unauthorized transactions on certain Mastercard cards, indicating a potential security issue that was promptly addressed [1]. Group 1 - The Credit Card Center detected unauthorized transactions on some Mastercard World cards [1]. - An emergency response was initiated in collaboration with Mastercard to address the situation [1]. - The bank successfully identified and blocked the risks in a timely manner [1].

Core Viewpoint - Recently, Shanghai Pudong Development Bank (SPDB) Credit Card Center reported unauthorized transactions on some Mastercard cards, indicating a proactive response to protect customer interests and prevent financial losses [1][4]. Group 1: Company Overview - SPDB, established in January 1993 and headquartered in Shanghai, was the first nationwide joint-stock commercial bank to be listed on the Shanghai Stock Exchange after the Securities Law was enacted in November 1999 [4]. - As of June 30, 2025, SPDB's total assets amounted to 96,457.91 billion yuan, with a revenue of 905.59 billion yuan and a net profit attributable to shareholders of 297.37 billion yuan for the first half of the year [4]. Group 2: Incident Details - The SPDB Credit Card Center detected unauthorized transactions and immediately initiated an emergency response with Mastercard to block the risks [1]. - Reports from various social media platforms indicated that multiple users of SPDB Mastercard experienced unauthorized charges, prompting concerns and police reports [1]. Group 3: Preventive Measures - Customers are advised to temporarily disable overseas payment functions if there is no need for international transactions to avoid potential losses [5]. - Banks offer various security locks in their apps, such as overseas security locks and night security locks, which can be activated to prevent unauthorized access [7]. - Users can set transaction limits and adjust the threshold for password-free transactions to reduce the risk of unauthorized charges [8]. - It is recommended to set up multiple channels for transaction alerts, such as SMS and WeChat notifications, to ensure timely awareness of account activity [8]. - In case of unauthorized transactions, customers should immediately report the loss of their cards through the bank's mobile app or customer service [9].

Group 1 - The core issue involves unauthorized transactions detected on certain Shanghai Pudong Development Bank (SPDB) Mastercard World Cards, prompting an emergency response from the bank's credit card center [1] - The credit card center has taken proactive measures to address customer concerns and ensure that customers do not bear any undue losses, emphasizing its commitment to customer rights [3]

Group 1 - The core issue involves unauthorized transactions reported by some users of the Shanghai Pudong Development Bank (SPDB) Mastercard World Card [1][4] - SPDB has initiated an emergency response in collaboration with Mastercard to promptly identify and block the risks associated with these unauthorized transactions [1] - The bank emphasizes its commitment to customer safety and has taken proactive measures to address customer concerns, ensuring that customers do not bear any undue losses [1] Group 2 - Reports from various social media platforms indicate that there has been a surge in cases of card fraud affecting SPDB Mastercard users [4][7] - The bank's response highlights its customer-centric approach, prioritizing the protection of customer rights and interests [1]