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法院认定伪卡交易判银行赔损失
2017-08-20 14:41:20 中国青年网
本报讯(记者王蔷)市民林女士持有的银行储蓄卡在外地遭到盗刷,遂将银行告上法庭索赔损失。日前法院二审判决均支持了林女士的诉讼请求,银行因其系统不能有效分辨真卡和伪卡的区别,被判承担储户全部损失。
被告银行方称,争议交易为密码交易,而密码是由客户本人通过专用的密码键盘设置生成,具有唯一性和私密性。密码数据经过加密,他人不可能知晓,原告必然存在未能妥善保管卡片、密码等的过错。
法院认为,综合诉争交易行为地与持卡人所在地、交易时间和报案时间判断,足以证明涉案银行卡发生的16笔异地交易并非林女士本人持真实的银行卡进行的交易,认定该16笔交易属于伪卡交易。被告的银行卡不具备有唯一的可识别性,且其银行卡系统不能有效分辨真卡和伪卡,存在一定的安全隐患,由此产生的损失应由银行承担赔偿责任。
东城法院就此作出一审判决,某银行北京站支行赔偿林女士10.6万元及相关利息损失。被告不服上诉,二审法院驳回了上诉请求,维持原判。
释法
不能识别伪卡
责任在银行
记者了解到,在林女士被盗刷案中,他人使用的是伪卡刷卡交易,银行没有识别出伪卡,因此需要承担责任。
法官认为,伪卡交易的条件包括发卡行未能防范卡片复制和伪卡使用,也包括银行卡信息和密码因泄露而被伪卡使用人窃取。银行卡信息和密码泄露的原因又可能存在于银行或持卡人方面。发卡行作为银行卡业务的推出方,本应比持卡人承担更重的防范伪卡交易的责任。发卡行如主张减免其对持卡人的付款责任,应当举证证明银行卡信息或密码泄露系因持卡人未能妥善保管银行卡或密码所致,且发卡行已按行业主管部门的要求,在现有技术条件下充分防范伪卡交易。J178
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