对此，银行业内正各出奇招加强防伪技术，部分银行正推出“随机密码锁”等方式来防止“克隆”,从而推高了客户用卡成本。克隆卡和网上盗刷是银行卡盗刷案件中比较常见的犯罪种类，这类案件由于没有明确法律适用往往令客户陷于举证难的弱势，从而客户需承担大部分损失。央行表示，2015年1月1日起在经济发达地区和重点合作行业领域，商业银行发行的、以人民币为结算账户的银行卡均应为金融IC卡，此类IC卡被视为杜绝克隆卡的最有力手段。

this，The bank is the surprisingly recruit strengthen anti-counterfeiting technology，Part of the Banks are introduced“Random combination lock”, and other ways to prevent“cloning”,Thus pushing up the customer card cost。Cloning CARDS and online for unauthorized bank card is unauthorized case more common crime types，Such a case with no clear legal application often makes the burden of the weakness of the customer in difficult，Thus the customer must bear the most of the losses。The bank said that，January 1, 2015 in developed areas and key cooperative industries，Commercial bank issues、In yuan for settlement account of bank card should be all financial IC card，Such IC card is regarded as the most powerful card stop cloning method。

问题一 Problem a

借记卡盗刷问题再度升级 Debit CARDS for unauthorized problem upgrade again

　　进入暑期旅游旺季以来，在部分国家和地区发生了数起中国游客信用卡失卡、被“克隆”或盗刷的案件。银行知情人士向记者透露， 今年以来广东克隆卡犯罪案件不断上升， 例如广州白云法院去年以来收案20多件，被盗刷金额近200万元；越秀法院在今年1月份曾经一个月受理了16宗类似案件，比去年同期增长了5.3倍。这些案件中客户都需要承担损失金额一半以上。

Into the summer tourist season since，In some countries and regions had several Chinese tourists up credit card lost card、was“cloning”Or unauthorized case。People familiar with the bank has revealed， Since this year guangdong cloning card rising crime cases， Such as guangzhou baiyun court conducted more than 20 pieces since last year，Brush amount stolen nearly 2 million yuan；Yuexiu court in January this year once a month 16 cases accepted similar cases，Than last year the corresponding period increased 5.3 times。These cases of customers need to bear losses amount more than half。

　　此前， 今年2月末有香港居民黄先生向记者爆料称， 其持有的某大型国有银行尾号9443的借记卡在外地被转账并提现共计约18.4万元。银行方面表示已同公安部门一起介入调查该案件。

after， Late February have Mr. Huang Hong Kong residents to reporters a source says， The shares of a large state-owned Banks WeiHao 9443 debit card by transfer and carry out of about 184000 yuan。The bank says it has with the public security department to investigating the case。

　　今年8月，广州的童先生发现自己近百万元存款不翼而飞。而根据消费记录显示，他的这张卡竟然在澳门一家黄金首饰店中被一次性消费了约83万元。银行卡被复制克隆后盗刷的案例层出不穷，盗刷金额少则数十万元，多则上百万元。 银行卡的安全问题令人揪心。

August，Guangzhou Mr Child found himself nearly ten thousand yuan deposit had disappeared。And according to consumer records show，He's the card was in a macau gold jewelry shop in the one-time consumption of about 830000 yuan。Bank card be reproduced after cloning unauthorized case are endless，Unauthorized amount is less hundreds of thousands of dollars，Many are millions。 Bank card to the safety of the disturbing。

问题二 Problem two

“克隆卡”暂无 “Cloning card”no明确法律法规适用 Clear applicable laws and regulations

　　据银行卡风险管理部门人士介绍，克隆卡和网上盗刷这类案件由于没有明确法律适用往往令客户陷于举证难的弱势，从而往往需承担大部分损失。

According to bank card risk management departments personage introduction，Cloning CARDS and online for unauthorized cases with no clear legal application often makes the burden of the weakness of the customer in difficult，Thus often must bear the most of the losses。

　　近年来，储户的银行卡存款被不法分子盗取的案子频频发生，随之引发的储户告银行索赔的官司也日渐增多。银行常用的辩解理由是：在储户与银行签订的储蓄合同写明，凡密码相符的交易均视为本人交易。 法律界人士指出，这一条款，完全是“霸王条款”，将银行对储户存款应负的安全保护责任推给了储户个人。

In recent years，Customer's bank card deposit be criminals steal case occurred frequently，Then trigger savers the lawsuit claims against the bank also increasing。Bank of reason is commonly used excuse：In a savings bank depositors and of the contract，All transactions are regarded as consistent password I deal。 Legal professionals said，This clause，Is completely“Overlord terms”，Will the bank depositor deposit shall be responsible for the safety protection responsibility on the individual savers。

　　在司法实践中，对银行卡盗刷案件，如果持卡人能提供充分证据证明本身无过错，盗刷是由于信息被盗卡片被克隆，银行本身又无法识别克隆卡，或者商家对差异签名未作鉴别，法院一般会判银行和商家全赔；如果持卡人用卡不慎导致信息泄露，而银行、商家也存在明显过失，一般会根据过错程度判决三方分担损失；如果持卡人无法证明银行和商户存在明显过错，而持卡人自身却过错明显的，则可能会判持卡人承担损失。

In judicial practice，Bank card to unauthorized case，If cardholder can provide sufficient evidence to prove itself no fault，Unauthorized because information stolen card was cloned，Bank itself and can't identify cloning card，Or business to differences signature not identify，The court sentenced to Banks and merchants will normally be whole compensate；If cardholder card immodesty which leaked，And the bank、Businesses are also obvious mistake，According to the degree of fault will normally be ruling three party share the loss；If cardholder can't prove Banks and merchants obvious fault，And the cardholder themselves are fault obvious，They might be sentenced to the cardholder bear losses。

　　此外，针对银行“信用卡不设密码更安全”的说法，部分银行业内人士对记者表示， 发卡行设置了消费密码后，只要持卡人妥善保管，基本上不会被盗刷；而没有设置密码的卡片，不法分子就可利用复制卡四处盗刷，盗刷风险实际上远高于设置密码的信用卡。

In addition，The bank“Credit card do not set password more secure”that，Part of the bank insiders told reporters， Hairpin go set consumption password，As long as the cardholder for safe keeping，Basically not stolen brush；And not set password card，Illegal elements could be around for unauthorized copying card，The risk for unauthorized actually far higher than the set password credit card。

问题三 Problem three

市民忧虑换用IC卡会增持卡成本 People with anxiety in IC card will increase the cost of CARDS

　　广发银行信用卡中心风险政策与反欺诈管理总监王玉海此前接受记者采访时介绍，目前，国际信用卡组织在全球范围不断监测盗录卡片磁道的黑商户情况，一旦确认，在该类商户用过的卡就属于“高危风险卡”，发卡银行会在第一时间与持卡人联络进行确认并冻结卡片。

Wide hair negotiable bank credit card center risk policy and management WangYuHai anti-fraud director had introduced when accepting a reporter to interview，At present，International credit card in the global organization constantly monitor bootleg track black merchants of the card，Once confirmed that，On this kind of merchants used card belong to“Highest risk card”，The issuing bank will in the first time contact with the cardholder confirm and freezing the CARDS。

　　据银行内部人士介绍，目前银行卡风险案件主要有伪冒申请及克隆卡盗刷两种。其中，冒名向银行申请信用卡，如果银行方面审核不严，就容易放行。虽然这种情形银行负主要责任，承担损失，但是伪冒申请银行卡往往会造成不良信用记录。

According to the bank's internal personage introduction，At present main WeiMao risk bank card case application and cloning card for unauthorized two kinds。Among them，Impersonate applies to the bank for a credit card，If the bank lax review，Just easy to release。Although this situation mainly responsible for the bank，Bear losses，But WeiMao apply for bank card often causes adverse credit records。

金融IC卡有望杜绝克隆卡 Financial IC card is expected to put an end to clone card

　　此外，开通信用卡的短信通知业务也非常重要，一旦发现异常，可立即和银行方面联系，并办理冻结、挂失或者换卡业务。目前，不少银行提供了挂失前24小时或者48小时的全额保障服务。

In addition，Open the credit card SMS notification business is very important also，Once found abnormal，Immediately and Banks contact，And deal with frozen、Report the loss of STH or change your card business。At present，Many Banks offer report the loss of STH before 24 hours or 48 hours in full security service。

　　银行业内人士向记者爆料称， 上述银行卡的安全漏洞主要因为磁条卡造成，目前普通的银行卡磁条上仅有三轨信息，很容易被复制。而且目前银行卡的复制设备甚至各种形式的密码盗取设备已经大量流入市场，对此监管部门却缺乏有力的惩处措施。

Bank industry a source says to the reporter， The above bank card security hole because mainly caused by conventional CARDS with a magnetic stripe，At present the common magnetic stripe on bank CARDS only three rail information，Very easy to copy。And now the bank card copy equipment or even all forms of password steal equipment has a large flows into the market，This is a lack of effective supervision department of the above measures。

　　据悉，广州市内工商银行、中国银行等机构已向客户推出新一代金融IC卡 （俗称“芯片卡”） 。目前普通银行卡都是磁条做的，容易被复制，如果密码泄露，虽然卡还在身上，钱也有可能被盗取。而银联金融IC卡内置芯片，安全性高、卡内敏感数据难以被复制，不易被伪造。 此外，金融IC卡容量大，还能够提供身份认证、会员管理和积分管理等智能化功能。

It is reported，Guangzhou city industrial and commercial bank、Bank of China to launch institutions such as the customer has a new generation of financial IC card （Commonly known as“Internet”） 。At present average bank card are magnetic stripe，Easy to copy，If the password leak，Although card is in him，Money is also may be being stolen。And the union pay financial IC card built-in chip，High safety、Sensitive data inside card is hard to copy，Not easy be forged。 In addition，Financial IC card capacity，Also can provide the identity authentication、Member management and integral management intelligent function。

　　但是，金融IC卡更换与设备改造费用是目前磁条卡成本2倍以上，消费者忧虑“羊毛出在羊身上”，未来银行卡工本费与挂失费将翻倍，可见克隆卡问题已令银行卡风险成本大增。

but，Financial IC card replacement and equipment modification cost is the magnetism card cost more than two times，Consumers worry“The wool in the sheep”，The future cost of bank CARDS and report the loss of STH fees will be doubled，Cloning card problem has made visible bank risk cost soar。

市民银行卡 Citizens bank card防范盗刷措施 Prevent unauthorized measures

　　A.申请办卡时必须通过正规渠道自身亲自办理信用卡,不要将资料交给他人代为申请，更不要到非正规渠道请人代办；

A. applies for to handle card must through the regular channel their own personally to handle credit card,Don't will information to others to apply，More don't to informal channels please people do STH for sb；

　　B.办卡时要在身份证等材料复印件上写明用途及使用时间，笔迹需盖住复印件；

B. in card id card copy material shows the use and the use of time，Handwriting need to cover copy；

　　C.妥善保管身份证、房产证、收入证明等资料；

C. Keep id card、House property card、Income proof etc material；

　　D.定期到人民银行当地分行查询信用记录。

D. regularly to the people's bank local branch credit records。