Lucia Lacarra sweeping credit card payments with his mobile phone, and 20,000 yuan into other accounts-Lucia Lacarra, credit card, transfer-IT information

Lacarra mobile client of the camera scanning credit card repayments, 20,000 yuan in transfer payments was drawn to the stranger's bank account. Citizen King could not pass, Lucia Lacarra phone how can such exceptions on the client system. In this regard, Lucia Lacarra companies were of the view that potential recognition errors are blurry, and the user does not have a verification.

More frustrating is Mr Wang, Bank staff after the link to the stranger, the other side has consistently refused to refund 20,000 yuan.

So, this error of remittance transfers, Mr King looking for who is going back to it?

Payment when checking account

Mr Wang lives, jindu road, Minhang district, near is an old user of mobile payment Lacarra. April 2, 9:30, he used Lacarra mobile to China Everbright bank credit card payments, amount of 20,000 yuan.

Step by step, Wang first client of camera scanning credit card number, card number will be displayed on the payment page. Then, add-in card Lacarra device into a mobile phone, print of payment China zheshang bank debit card, enter the payment amount and name checked several times after confirmation, payment process is complete.

He was, until April 6, when his mobile phone or credit card payment information is not received. He immediately looked Lacarra transactions, this inspection found that repayment of Everbright bank credit card number wrong two numbers, your card number in the two "82", while the meeting is "41", the rest of the numbers are the same, this means that 20,000 yuan go to someone else's account.

Other party refuses to refund 20,000 yuan

Panic: first for Wang to call 110, police told him that "money to another account" it cannot prove it was caused by criminal acts such as extortion, not filed. He went on to contact Everbright Bank staff produce the remittance records, 20,000 yuan from which can be seen on April 2 to the other account. Mr King said that he and other strangers in the assigned receivable, without any conflicts of interest. Staff contacted each other through other accounts, communicate with willing to return the money. But the other side insists that it is your own money and refused to return. And banking to protect customers ' privacy requirements to provide other personal information.

Mr King again contacted the police, the police said it was a civil dispute, should bring a civil action to court.

On April 13, Wang came to Minhang District Court, but due to insufficient preparation of evidence, no case. Staff suggest that he, counsel to the Bank for access to materials and, of course, banks can match or do not match. In addition is continued to the police and requested the police to come forward to assist in the investigation, and after further verified, then go to the Court in civil proceedings.

Later, pastoral village police station, Minhang district, Mr Wang has issued a receipt for accepting the case, said it would help investigate the matter.

Lucia Lacarra system without exception

"How can the wrong card number? "Mr Wang told reporters that the error should not be self-inflicted. First, the credit card number is not a handwriting input was by Lucia Lacarra mobile camera scanning input. 20,000 yuan is not small, scan cards, after he checked several times and found no inconsistencies. He considered Lacarra mobile system exception occurred, resulting in card number input errors.

"Remittances do not need the name and account number? "The reporter asked.

Mr Wang said, perhaps this is a vulnerability of Lucia Lacarra, because even enter inconsistent with the account name can transfer. He opened the Lacarra mobile client presentation to reporters, entered his credit card number, even enter the reporter's name in the name column can also be regular remittances.

15th, this reporter went to Lucia Lacarra Shanghai Branch, said Lucia Lacarra credit card payments business in Shanghai within the regional operations, inadmissible, need to contact the headquarters in Beijing.

Call Lucia Lacarra service hotline, customer service staff, by Lucia Lacarra to credit card payments, usually arrive within 2 business days. Wang reflected the problems companies after a technical inspection and found no exceptions in the background, Mr King may be scanned credit cards, blurry result in recognition errors, the user does not check out. In addition, Lacarra transfer must account number and name, but credit card payments only need to account and correct to name filled out a bar only for the convenience of management.

China Everbright bank customer service staff also confirmed that in third-party payments, the credit card registered to the name inconsistent with the payment application name, or repayment success.

Image recognition there is a certain error rate

Mr Wang believes that if it is blurry cause identification difficulties, Lacarra phone not recognized by the client should be prompted or recommendation entered manually, rather than importing a wrong card number.

According to a paying agency insiders, Lucia Lacarra mobile photo scan function is used in image recognition technology, image processing, analysis and understanding of database recognition than the right. Object the light environment, the movement will affect the recognition, if a credit card number, worn scratches, can also lead to errors, there is a certain error rate.

So, this issue should be determined by who is going to monitor?

Staff of the Shanghai Banking regulatory Bureau said Lacarra, as third-party payment institution belongs to Bank management. Implemented under the Central Bank issued the administrative measures for non-bank payment network payment services regulations, third party payment shall have the necessary technical means to ensure the integrity of payment orders, consistency and nonrepudiation, as well as the accuracy of payment processing and security.

[Lawyer] refuses to return the wrong remit money constituted unjust enrichment

Shanghai Jia Yu law firm, Levi said, the party Mr Wang transfer errors, detailed transaction information, and there is no evidence to show that the two sides met, other transfers received without legal basis the parties, losses occur, such as refusing to return, would constitute unjust enrichment. If the parties could not reach the other side, can be reported to the police. The public security organs will require banks to verify each other's identity, and communicate with each other to see whether they wished to return the money. If the other party refuses to return the money, the parties may, by virtue of the transfer of evidence into court civil action, Court of unjust legal provisions will recover the money can be used.

In addition, the parties can also bring requests before the preservation of relevant evidence to a local court. Court according to the client's account number and user name, go to cash accounts bank account seized and the other left in the Bank's personal information get in touch with each other. If they do not recognize or do not want to return, according to the legal provisions in force, the Court may be enforced.

用手机拉卡拉扫信用卡还款，2万元飞进别人账户 - 拉卡拉,信用卡,转账 - IT资讯

使用拉卡拉手机客户端里的拍照功能扫描信用卡卡号还款，2万元转账还款却鬼使神差地到了陌生人的账户。市民王先生怎么也想不通，拉卡拉手机客户端系统怎么会出现如此异常情况。对此，拉卡拉公司则认为，可能是光线模糊造成的识别错误，而用户没有核查到。

更让王先生无奈的是，银行工作人员联系到上述陌生人后，对方却坚决不肯退还2万元。

那么，这笔错误的汇款转账，王先生该找谁要回呢？

还款时多次核对账号

王先生家住闵行区金都路附近，是移动支付工具拉卡拉的一名老用户。4月2日9时30分左右，他用拉卡拉手机客户端给光大银行信用卡还款，金额是2万元。

按步骤，王先生先用客户端里的拍照功能扫描信用卡卡号，卡号会显示在还款页面上。随后，再把拉卡拉的外接刷卡设备插入手机，刷一下付款的浙商银行借记卡，输入还款金额和姓名，多次核对确认无误后，还款过程结束。

让他意外的是，直到4月6日，王先生的手机还是没有收到信用卡已还款的信息。他立即翻看拉卡拉交易记录，这一检查才发现，当初还款的光大银行信用卡卡号错了两个数字，自己的卡号最后两位是“82”，而错汇的是“41”，其余的数字都一样，这意味着2万元转到了他人账户上。

对方不肯退还2万元

惊慌的王先生先是拨打110报警，民警告诉他，“钱到了他人账户”这件事不能证明是有人敲诈勒索等犯罪行为造成的，无法立案。他接着又联系光大银行工作人员，出示了汇款记录，从中可以看出4月2日有2万元转入了其他账号。王先生说，他和收款的对方素不相识，更没有任何利益纠纷。工作人员通过对方账户联系到对方，与其沟通是否愿意把钱退回。可对方坚称钱是自己还的，不肯退回。而银行出于保护客户隐私的要求，不能提供对方个人信息。

王先生再次联系了警方，民警说这是民事纠纷，应当到法院提起民事诉讼。

4月13日，王先生来到闵行区法院，但因证据准备不充分，没有立案。工作人员建议他，可以请律师到银行申请调取材料，当然，银行可以配合也可以不配合。此外就是继续向公安机关报案，要求警方出面协助调查，待进一步查实后，再到法院走民事诉讼程序。

后来，闵行区田园新村派出所给王先生出具了一份案件受理回执单，称会协助调查此事。

拉卡拉称系统未现异常

“怎么会输错卡号呢？”王先生告诉记者，错误应该不是自己造成的。首先，信用卡卡号不是手写输入的，是通过拉卡拉手机客户端的拍照功能扫描输入的。再说2万元也不是小数目，扫描卡号之后，他还核对了好几次，没有发现不一致。他认为是拉卡拉手机客户端系统出现异常，导致卡号输入错误。

“汇款不需要姓名和账号一致吗？”记者问。

王先生说，这也许是拉卡拉的一个漏洞，因为即便输入和账号不一致的姓名也可以汇款。他打开拉卡拉手机客户端给记者演示，输入他的信用卡卡号后，姓名一栏中哪怕输入记者的名字也可以正常汇款。

15日，记者来到拉卡拉上海分公司，相关人员称，拉卡拉信用卡还款业务不在上海区域业务范围内，无法受理，需要联系北京总部。

记者致电拉卡拉服务热线，客服人员表示，通过拉卡拉给信用卡还款，一般2个工作日之内到账。对于王先生反映的问题，公司技术人员检查后，没有发现后台异常，有可能是王先生在扫描信用卡时，光线模糊造成识别错误，用户没有核查出来。此外，拉卡拉的转账业务必须账号和姓名一致，但信用卡还款只需要账号无误就可以，姓名填写一栏仅为方便管理。

光大银行客服人员也证实，在第三方还款支付渠道中，目前信用卡登记姓名与还款申请姓名即便不一致，也可以还款成功。

图像识别存在一定错误率

王先生认为，如果是光线模糊导致识别困难，拉卡拉手机客户端应该提示无法识别或是建议手动输入，而不是导入一个错误的卡号。

据一家支付机构业内人士介绍，拉卡拉手机客户端的拍照扫描功能采用的是图像识别技术，对图像进行处理、分析和理解，进入数据库识别比对。物体所处的光线环境、运动状态等会影响识别，若信用卡卡号磨损划痕，也会导致误差，存在一定的错误率。

那么，这一问题应该由谁来监管呢？

上海银监局工作人员称，拉卡拉作为第三方支付机构属央行管理。而根据央行颁发实施的《非银行支付机构网络支付业务管理办法》相关规定，第三方支付机构应当具备必要的技术手段，确保支付指令的完整性、一致性和不可抵赖性以及支付业务处理的准确性和安全性。

[律师说法]拒不归还错汇钱款构成不当得利

上海佳誉律师事务所李维律师表示，当事人王先生汇款失误，有详细的交易资料，并且没有证据显示双方相识，对方在没有法律依据的情况下收到当事人汇款，造成当事人损失，如拒不归还，就构成不当得利。若当事人联系不到对方，可向公安机关报案。公安机关会要求银行查实对方身份，然后和对方沟通，看其是否愿意把钱退回。若对方不肯将钱退回，当事人可以凭借转账汇款证据到法院提请民事诉讼，法院可采用不当得利的法律条款将钱追回。

此外，当事人还可以携带相关证据到当地法院请求诉前保全。法院会根据当事人提供的账号和用户名，到收款方账户的开户银行查封账号，并根据对方在银行留下的个人信息和对方取得联系。如果对方不承认或不愿归还，根据现行法律规定，法院可以强制执行。