ATM "Black Hand" frequency now who to pay for cloning card?

Every reporter Hu Junhua from Shanghai bank card clearly in their own hands, the card in the funds are no reason "evaporation", this scene often means another case of bank card replication theft victim was born. The bank card copies the theft case, is refers to the outlaws by installs the bank card copying equipment and the camera on the ATM machine, through steals the bank card information and the password to copy the bank card (commonly known as "the Clone Card"), then implements the theft the behavior. "The Daily economic news" recently found in the survey interview, similar to the ATM card replication theft of bank cards is showing a trend: not only the banks involved in the increase in the amount of money involved is also expanding.　　This newspaper has received a number of such complaints. While the banks ' efforts to crack down on "cloning cards" have increased, it is still hard to stop such cases, especially since the cardholders are often in an awkward situation of helplessness; At the same time, some new problems arise: After such thefts, in addition to criminals, Should banks that have security obligations for deposits also be part of the responsibility? What measures can be taken to prevent ATM theft cases effectively?　　has become the social problem of the bank card replication theft case, how to solve it?　　Focus One: Should banks be held responsible? Li Jianzheng, a customer of ICBC, found that more than 30,000 yuan in bank cards was missing in mid-June.　　Li Jianzheng yesterday to reporters that after the investigation found that the card in the capital is located in the thousands of miles away in Zhengzhou, Henan province, a ATM machine was two times taken away. Victim: Preparing to sue the issuing bank Li Jianzheng told the Daily economic news that he was disappointed with the banks ' performance after the incident. ICBC every time to call, is to urge me to the police, and so on.　　"At present, the public security organs have been on the case," Li Jianzheng yesterday to the "daily economic news" that, although the criminals stealing funds is the culprit, but the bank should also be held responsible, because the bank has the obligation to protect the customer's information is not stolen and more responsible for keeping the customer's deposit security　　Li Jianzheng said that the material is currently being collected to prosecute ICBC. Bank: Need the community to jointly prevent ICBC Shanghai branch in an interview with the Daily Economic news reporter, the case is not yet qualitative, still in the further investigation, ICBC is also studying to resolve the matter. The person said that the current ICBC has taken such as the introduction of the ATM before the probe, posting notices, security reminders and other measures to remind customers to pay attention to risk.　　But now the science and technology is very developed, criminals loopholes in the matter is also impossible to prevent, need the community to jointly guard against. Lawyer: The bank's responsibility depends on the specific circumstances, if the case is not solved, Li Jianzheng can sue the bank for compensation?　　Should banks be held legally responsible? This is the first to determine the nature of the dispute and the legal relationship involved. June Tai law firm Shanghai Branch Zeng Zhihong lawyer told reporters, "from the current judicial practice, the vast majority of such disputes are designated as savings contract disputes."　”　"The issuer has the obligation to guarantee the security of the money in the depositor's bank card, and the issuing bank should be responsible for the safety of the card issued to the depositor," Zeng Zhihong said. "" In the determination of such cases in the civil liability of the issuing bank, the practice of judicial practice in various places is very different, some found that the issuing bank does not bear civil liability, and some found that the issuing bank bear the full responsibility. According to the principle of application, the result is necessarily different.　　"Zeng Zhihong said. Zeng Zhihong said, "The principle of fault liability, if the depositor can not prove the fault of the issuing bank, then the issuing bank is not liable; If the issuing bank cannot prove that he has no fault, it is presumed that the issuing bank has its fault."　　"Focus Two: how to effectively prevent the cloning card?" At present, the clone card case is often a trans-regional crime, the victims of financial losses are difficult to get back immediately, therefore, the urgent task is to enhance awareness of prevention.　　So what are the ways to prevent the cloning of cards? The first way to pass the password with the Hand occlusion Index: ★★★★ effective index: ★★★★ because most criminals through the ATM machine installed bank card replication equipment, as well as the camera to steal bank card information and passwords, and then copy the bank card implementation of theft, so the cardholder using ATM machine to withdraw money,　　Special attention should be paid to whether there are suspicious equipment and devices on the ATM, and should call the bank or the police in time if the anomaly is found.　　China Merchants Bank Credit card staff told reporters that to prevent the bank card is copied, protect the password is the key, if the bank card password has not been leaked, even if the criminals copied the bank card information is not taken out of the card funds. Second recruit bank card technology Upgrade index: ★ Effective Index: ★★★★★ CIC consultant researcher Ma Yi that at present, the magnetic stripe card itself relatively low safety factor, is the cause of the easy copy of the bank card. If we learn from foreign practice, the magnetic stripe into the chip storage information is not easy to fake.　　But some bank workers told reporters that it would take a long time to spread the project for cost reasons. The third recruit to establish the Lost Card security System Easy index: ★★★ Effective Index: ★★★★ Investment consultant researcher Ma Yi said that in order to solve the "duplicate card" problem, banks can establish loss-card security functions, such as credit card 24-hour abnormal transactions online detection and a series of security measures, but also the United Insurance company launched　　Card insurance Business ", cardholders take part in the insurance, as long as a few dollars a year to pay the premium, you can transfer hundreds of yuan, thousands of yuan, or even tens of thousands of dollars in economic losses.　　But a joint-stock Commercial bank Credit card department staff told reporters that the current domestic almost no card insurance business. Common methods of fraud in the banking industry to remind cardholders, in the ATM operation, must be carefully inspected, found that the following situation, should be timely alarm: 1. False card slot + camera. Outlaws in ATM machine card slot installed high simulation of the card slot, which is equipped with card readerTo copy the bank card data, the camera is generally affixed to the ATM machine to steal passwords. 2. Swallow Card + false hint.　　Outlaws in advance in the ATM screen side posted false notices, if the customer's card is "swallowed" after the panic of the listed phone number for help, will be criminals take the card password. 3. Swallow Card + peep number. Outlaws in the ATM machine socket installed Swallow card device caused by swallowing card failure, in the cardholder behind or in the distance with a telescope peep password. such as the cardholder due to ATM machine failure and left, the criminals took out the bank card for theft.