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银行卡盗刷案件的责任承担与风险防范

2019-03-21 11:43  来源:中国法院网纠错 | 打印 | 收藏 | | |

LAIYUAN:ZHONGGUOFAYUANWANG | ZUOZHE:QINFAN XIAPING

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YI、JIBENANQING

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在事后与该银行的交涉中,全某某向银行说明由于自己的银行卡是被盗刷,要求银行赔偿自己的损失,而银行方面则以全某某对银行卡保管不当为由拒绝了其要求。由于公安机关暂未追查到银行卡的盗刷人,在与银行多次交涉无果后,全某某向灵川县人民法院提起诉讼,要求银行赔偿因银行卡被盗刷所产生的损失。

ER、CAIPANJIEGUO

法院审理后认为:原、被告之间存在合法有效的借记卡合同关系,在该关系中,原告负有妥善保管银行卡和保护密码安全的义务;被告负有保障原告借记卡内资金安全和鉴别借记卡真伪、谨慎审查借记卡的义务。本案中,涉诉借记卡中的存款20124元交易时,交易系统显示交易发生时间为2017年12月5日00时25分起在河北廊坊市某ATM机分别刷卡六次取走的。而原告于2017年12月5日16时30分左右,在灵川县的该银行自动取款机取款时,显示卡内余额不足,后原告即时采取了拨打银行客服电话核实、向公安机关报案、向银行核实并打印了借记卡明细清单等措施。依据时间、空间等常识判断,涉案交易应认定为犯罪嫌疑人利用伪造复制的银行卡进行的伪卡交易。犯罪嫌疑人能够利用伪卡进行交易,表明该银行发放的储蓄卡不具有唯一的可识别性和不可复制性,被复制的银行卡不能被交易系统排除,存在一定的安全隐患。由此认定银行在储蓄存款合同履行过程中存在未尽到安全保障义务的违约行为,应当赔付全某某因此而造成的损失。故法院作出一审判决支持了全某某的诉请,一审判决作出后,双方均未上诉。

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(YI)DAOYONGREN

根据我国《物权法》和《侵权责任法》的规定,盗用人应对持卡人承担侵权责任,应返还财产并赔偿给持卡人造成的损失。同时,根据《刑法》及《最高人民法院、最高人民检察院关于办理妨害银行卡管理刑事案件具体应用法律极速赛车计划彩票群若干问题的解释》的规定,冒用他人信用卡金额达到5千元以上的,将会构成信用卡诈骗罪,依法承担刑事责任。

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