Brush theft means that criminals use high-tech means to copy other people's bank cards, credit cards and passwords and withdraw cash for their own use; An illegal act that causes property losses to the other party.
On May 25th, 221, the Supreme People's Court promulgated and implemented the Provisions of the Supreme People's Court on Several Issues Concerning the Trial of Civil Disputes over Bank Cards. It is clear that the user's bank card has been stolen and proved that he is not responsible, and he can claim compensation from the bank.
swiping refers to an illegal or criminal act of copying other people's credit cards in various illegal forms, thereby stealing the cardholder's funds. In practice, the main manifestations are that the cardholder has not lost his credit card, the payment password has not been told to others, the funds have been spent under the guise of a completely strange third party, and the funds have been transferred and withdrawn.
in terms of the mode of committing crimes, swiping is mainly manifested in that the violator or criminal obtains the cardholder's information by illegal means, and makes a fake card according to the obtained information, and then steals the funds in the card through an automatic teller machine (ATM machine) or a multifunctional payment terminal (POS machine) locally, in different places in China or abroad.
judging from the main means of committing crimes, it can be divided into three categories: the first category is that the cardholder's information (bank card number, password, etc.) is intercepted by illegal actors or criminal suspects due to the bank's fault, such as installing cameras and other equipment around ATM machines to steal information, installing card swallowing devices on ATM machines, and stealing funds in real cards; The second category is the leakage of bank card information due to the cardholder's own fault, such as the loss of bank card and the disclosure of password, etc., and the cardholder fails to properly fulfill the custody obligation; The third category is that the reasons for bank card information leakage are unknown, such as hackers invading the banking system and stealing cardholder information to make fake cards.