Mr. Liu’s bank card was stolen at an ATM machine in another place, and the suspect actually took advantage of the bank’s convenient “cash withdrawal without card” service. Teacher Liu believes that there are security loopholes in the banking system and requires the bank to return the deposit and compensate for related losses. Yesterday afternoon, the case was heard in Chaoyang Court. The bank stated that if it is confirmed that Mr. Liu logged into the phishing website and leaked personal information, he should bear the responsibility himself.
Stolen cash from bank cards in other places
Teacher Liu is a practicing lawyer. On January 28 this year, when Mr. Liu checked his bank account, he found that one of his bank cards had been stolen at an ATM machine in a different place on the first day, with a handling fee of 59 yuan. Teacher Liu quickly called the bank’s customer service to report the loss, and went to the defendant’s bank on February 2 to print the account transaction statements. According to the information provided by the bank, Mr. Liu learned that the ATM machine where the bank card was stolen and cash was used was located on Changzheng Avenue, Ganzhou City, Jiangxi Province. At that time, he was in Qingdao City, Shandong Province, carrying his ID card, bank card, and mobile phone.
How did Teacher Liu withdraw money from his bank card in another place? It turned out that the withdrawer did not hold or copy Mr. Liu's bank card, but took advantage of the "cardless cash withdrawal" service launched by major banks in the past two years.
The so-called "cash withdrawal without card" means that cardholders need to make a cash withdrawal reservation through mobile banking and set the withdrawal amount and cash withdrawal reservation code. After the reservation is successful, the cardholder can withdraw cash without a card by entering the bank card number or mobile phone number, reservation code, and transaction password at any ATM machine in banks across the country.
Yesterday, in court, the bank stated that it needs to use the mobile phone number signed by the cardholder and the bank to call the customer service number and obtain the cardholder's identity information, bank card number, query password, and transaction password in order to successfully Withdraw cash. During the entire transaction process of making a telephone withdrawal appointment, the bank found no abnormalities.
According to the backend records of the bank’s customer service, the call number for the cash withdrawal appointment displayed by the system that day was indeed Mr. Liu’s mobile phone number. However, in Mr. Liu's mobile phone call list, there is no record of calls with bank customer service during this period. Before and after the incident, Mr. Liu's mobile phone had been able to be used normally.
Who is responsible if a bank card is stolen?
The bank stated that the account theft was likely due to improper storage of the plaintiff’s personal information. In addition, this case may involve the copying and theft of the plaintiff’s mobile phone number, which is related to the mobile phone communication operator, and the bank should not be responsible for this. The bank submitted to the court a Haidian Court judgment that has not yet taken effect, proving that there have been similar cases before. After receiving the fraudulent text message, the customer clicked on a website containing a phishing website and leaked passwords and other information to the criminal suspect, who then launched a cardless cash withdrawal business. In this case, the court ruled in favor of the bank at first instance.
It is understood that Teacher Liu reported the incident to the police and the case is currently under further investigation. Shortly after the incident, in order to enhance security, the bank added a "dynamic password" to the reservation process for the "cardless cash withdrawal" business.
Yesterday, the bank applied to the court to recover and identify the electronic data of Mr. Liu’s mobile phone, and to investigate the call records, text message records, and Internet access records within 3 months before the incident. The bank stated that if it is determined that Mr. Liu logged into a fake phishing website and leaked personal information, he should bear responsibility himself. However, Mr. Liu believes that the reason why his bank card was stolen abroad is because there are serious security loopholes in the banking system. Yesterday, there was no result in this case.
"Cardless cash withdrawal" is also not safe.
“The function of cardless withdrawal is more obvious in protecting bank card information. Criminals usually use card readers, pinhole cameras and other equipment to steal the magnetic stripe and password information of customers’ bank cards. However, cardless withdrawal The withdrawal function does not require inserting a card or entering a bank card number. Related questions and answers: How much can be withdrawn per day with CCB’s cardless withdrawals? The cardless withdrawal limits through ATM machines are as follows: 1. The CCB debit card can withdraw up to 20,000 yuan per day; 2. Quarantine loans A maximum of RMB 5,000 can be withdrawn per day by debiting a credit card; 3. The cumulative amount of daily cash withdrawals per credit card shall not exceed RMB 10,000, and overdraft withdrawals shall not exceed 50% of the credit limit. If withdrawals are made through bank counters, there is generally no upper limit. But if it exceeds 50,000 yuan, it is best to call in advance to make an appointment in case the bank branch does not prepare enough cash. What are the four methods for CCB cardless withdrawal? 1. The first method is that we can see Long Pay withdrawal at the CCB ATM machine. option, and then we need to select the pay withdrawal button on the mobile phone. Second, we need to enter the withdrawal amount we need, and then put the CCB card we have bound to our own mobile phone. Click on the sensor on the cash machine, and finally we need to verify it on our mobile phone and then enter our password. Third, there is another way, that is, we can download the mobile banking APP on our mobile phone. After logging in to our account and binding our bank card, we can complete it on our mobile phone. Fourth, we can go to the bank to apply for this special withdrawal. First, we need to enter "Special Withdrawal". Follow the prompts to complete the reservation, and you can withdraw money without a card.
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