Bank cards stolen brush 190,000 men do one thing Bank compensation in full-banking cards, ATM machine-IT information

Bank cards in the side, but received the SMS deposits were transferred to 190,000 yuan. On April 27, the savings contract dispute with Ningbo zhenhai District Court, to order the defendant Bank compensation deposit loss of 190,000 yuan-Tang-Tang in the thing he did after receiving the text message, is his key to the winner and awarded the full amount of the first instance.

Mr Tang in zhenhai district business, usually through a micro-payment customer payment, debit cards is a row of micro-bound. On November 18 last year, he received when eating in a transfer message: "your tail number for XXXX bank cards, 18th 18:40 transfers of 190,000 yuan......"

Query, discover card balance does Mr Tang has more than 190,000 yuan in the morning only 58.

He did not immediately contact the Bank or the police, but soon left home, and rushed to the nearest ATM machine, using his bank card, deposit 100 Yuan to show cards in their side .

Then, contact the card-issuing bank, and to the police station the police .

The next day, police found the money is in the city of Tangshan, Hebei, was brushed by a fixed telephone with card slot. At present, the police are still investigating the case.

Mr Tang negotiated with the banks, required to pay for all losses. After the fruitless, sued on grounds of deposit contract dispute, ordered the Bank loss of 190,000 yuan in compensation for deposits as well as the corresponding interest.

During the hearing, Mr Tang said, his relationship with bank savings deposit contract, put the money in the Bank, the Bank has an obligation to protect the safety of deposits, but not fulfilled security obligations, and its deposits were stolen, should bear the compensation responsibility.

Bank, bank card password known only to Mr Tang, Mr Tang will bind card to a third party trading platforms, there might reveal passwords by third parties; there may be problems such as improper use of the password, the password settings are too simple.

Meanwhile, bank debit card regulations stipulated: "any password which corresponds to the debit card transactions, are considered to be the cardholder to my legal transactions"; "the loss occurred before the entry into force of the issuer is not liable for financial losses". Therefore, the Bank there is no fault, without compensation.

Surging News noted that, in that case, Mr Tang on the brush after ATM machine was stolen in 100 moves in favour of one of the most favorable evidence. This is a real card in his possession.

Court believes that plaintiffs accused Mr Tang function debit and stored in bank savings deposits, savings contract legally valid. His money was stolen in Hebei brush, I, bank cards in Ningbo, Zhejiang Province, found their bank card counterfeit cards .

Mr Tang reported found bank cards were distributed immediately after the operation, remedial measures have been taken to prevent loss and without fault. Banks as issuers, failing to identify the counterfeit cards, resulting in fraudulent should customers assume liability for losses caused thereby. Debit card regulations are pre-printed Bank for repeated use, standard terms within the meaning of the contract law, relevant articles from the defence review the bank card the authenticity of obligation and the corresponding liability cannot be considered effective .

The Court found that, according to the Bank, "Mr Tang will debit card bound to a third-party trading platforms, there are third party disclosure of possible" but did not provide evidence; "plaintiffs there may be improper use of passwords, password is too simple", and so on, there is no factual and legal basis, not accept it .

银行卡被盗刷19万，男子做了一件事令银行赔偿全款 - 银行卡,ATM机 - IT资讯

银行卡在身边，却收到卡内存款被转走19万元的手机短信。4月27日，宁波镇海区法院宣判一起储蓄存款合同纠纷，判令被告银行赔偿唐先生存款损失19万元——唐先生在接到短信后做的一件事，是他一审胜诉、获赔全款的关键。

唐先生在镇海区经营企业，平时通过微信支付客户的货款，微信绑定的是某行借记卡。去年11月18日晚，他在家吃饭时收到一条转账信息：“您尾号为××××的银行卡，18日18时40分转账19万元……”

查询后，唐先生发现卡内余额确实已从上午的19万余元变得只剩下58元。

他没有立即联系银行或报警，而是马上离家，赶到最近的ATM机，使用自己的银行卡操作，存了100元，以证明卡在自己身边。

然后，他联系发卡银行，并到派出所报警。

第二天，警方查明这笔钱是在河北唐山市被一种带卡槽的固定电话机刷走的。目前，警方还在侦办该案。

唐先生与银行交涉，要求其承担全部损失。无果后，以储蓄存款合同纠纷为由起诉，请求判令银行赔偿存款损失19万元以及相应的利息。

庭审中，唐先生称，他与银行存在储蓄存款合同关系，把钱放在银行，银行有义务保护存款的安全，但没有尽到安全保障义务，使其存款被盗，应承担赔偿责任。

银行认为，银行卡的密码只有唐先生知道，唐先生将卡与第三方交易平台绑定，存在第三方泄露密码的可能；还可能存在密码使用不当、密码设置过于简单等问题。

同时，银行的借记卡章程约定：“凡密码相符的借记卡交易，均视为持卡人本人的合法交易”；“对挂失生效前发生的资金损失发卡行不承担责任”。因此，银行不存在过错，无需赔偿。

澎湃新闻获悉，该案中，唐先生在被盗刷后在ATM机上存入100元的举动成为胜诉最有利的证据之一。此举证明，真正的卡在他身上。

法院审理认为，原告唐先生在被告银行办理有储蓄功能的借记卡并存入存款，储蓄合同关系合法有效。他的钱在河北被盗刷，而本人、银行卡均在浙江宁波，可以认定其银行卡存在伪卡。

唐先生在发现银行卡被异地操作后马上报案，采取了补救措施防止损失扩大，并无过错。银行作为发卡行，没能对伪卡进行有效识别，导致盗刷，应对由此造成的储户损失承担赔偿责任。借记卡章程是银行为重复使用而预先印制，系《合同法》意义上的格式条款，相关条款免除了被告方审核银行卡真伪的义务及相应的法律责任，不能被认定有效。

法院认为，银行称“唐先生将借记卡与第三方交易平台绑定，存在第三方泄密的可能”，但未提供证据证明；“原告还可能存在密码使用不当、密码设置过于简单”等问题，没有事实与法律依据，不予采纳。