最高法：銀行卡被盜刷可向銀行索賠損失

Supreme law: if a bank card is stolen, you can claim losses from the bank

5月25日，封面新聞記者從最高人民法院獲悉，最高法發(fā)布了《最高人民法院關(guān)于審理銀行卡民事糾紛案件若干問題的規(guī)定》（以下簡稱《銀行卡規(guī)定》），其中明確發(fā)生偽卡盜刷交易或者網(wǎng)絡(luò)盜刷交易，借記卡持卡人基于借記卡合同法律關(guān)系請求發(fā)卡行支付被盜刷存款本息并賠償損失的，人民法院依法予以支持。

On May 25, the cover news reporter learned from the Supreme People’s Court that the Supreme People’s Court issued the Provisions of the Supreme People’s Court on Several Issues Concerning the Trial of Bank Card Civil Dispute Cases (hereinafter referred to as the “Bank Card Provisions”), which clearly stated that counterfeit card theft occurred. For transactions or online fraudulent transactions, where the debit card holder requests the issuing bank to pay the principal and interest of the stolen deposits and compensate for the losses based on the legal relationship of the debit card contract, the people's court shall support it in accordance with the law.

《銀行卡規(guī)定》指出，發(fā)生偽卡盜刷交易或者網(wǎng)絡(luò)盜刷交易，信用卡持卡人基于信用卡合同法律關(guān)系請求發(fā)卡行返還扣劃的透支款本息、違約金并賠償損失的，人民法院依法予以支持；發(fā)卡行請求信用卡持卡人償還透支款本息、違約金等的，人民法院不予支持。

The "Bank Card Regulations" pointed out that in the event of a counterfeit card fraudulent transaction or online fraudulent transaction, the credit card holder requests the issuing bank to return the principal and interest of the deducted overdraft, liquidated damages and compensation for losses based on the legal relationship of the credit card contract, the people's court shall grant it according to law Support; if the card issuing bank requests the credit card holder to repay the principal and interest of the overdraft, liquidated damages, etc., the people's court will not support it.

持卡人對銀行卡、密碼、驗證碼等身份識別信息、交易驗證信息未盡妥善保管義務(wù)具有過錯，發(fā)卡行主張持卡人承擔(dān)相應(yīng)責(zé)任的，人民法院應(yīng)予支持。

The cardholder is at fault for failing to properly keep the identity information such as bank cards, passwords, verification codes, and transaction verification information, and the card issuing bank claims that the cardholder shall bear the corresponding responsibility, the people's court shall support it.

《銀行卡規(guī)定》還明確，持卡人未及時采取掛失等措施防止損失擴(kuò)大，發(fā)卡行主張持卡人自行承擔(dān)擴(kuò)大損失責(zé)任的，人民法院應(yīng)予支持。

The "Bank Card Regulations" also clarified that if the cardholder fails to take measures such as reporting the loss in a timely manner to prevent the loss from expanding, and the card issuing bank claims that the cardholder shall bear the responsibility for the expanded loss, the people's court shall support it.

在收單行與發(fā)卡行不是同一銀行的情形下，因收單行未盡保障持卡人用卡安全義務(wù)或者因特約商戶未盡審核持卡人簽名真?zhèn)?、銀行卡真?zhèn)蔚葘徍肆x務(wù)導(dǎo)致發(fā)生偽卡盜刷交易，持卡人請求收單行或者特約商戶承擔(dān)賠償責(zé)任的，人民法院應(yīng)予支持，但持卡人對偽卡盜刷交易具有過錯，可以減輕或者免除收單行或者特約商戶相應(yīng)責(zé)任。

In the case that the acquiring bank and the card issuing bank are not the same bank, fraud occurs because the acquiring bank has not fulfilled its obligation to protect the cardholder’s card safety or the authorized merchant has failed to verify the authenticity of the cardholder’s signature, the authenticity of the bank card, etc. For card stolen transactions, if the cardholder requests the acquiring bank or the special merchant to bear the compensation liability, the people's court shall support it, but the cardholder is at fault for the counterfeit card transaction and can reduce or exempt the acquirer or the special merchant from corresponding liability.

持卡人請求發(fā)卡行承擔(dān)責(zé)任，發(fā)卡行申請追加收單行或者特約商戶作為第三人參加訴訟的，人民法院可以準(zhǔn)許。發(fā)卡行承擔(dān)責(zé)任后，可以依法主張存在過錯的收單行或者特約商戶承擔(dān)相應(yīng)責(zé)任。

Where the cardholder requests the card issuing bank to assume responsibility, and the card issuing bank applies for additional acquiring banks or special merchants to participate in the litigation as a third party, the people's court may allow it. After the card issuing bank assumes the responsibility, the acquirer or special contract merchant that claims the fault shall bear the corresponding responsibility in accordance with the law.

《銀行卡規(guī)定》強(qiáng)調(diào)，發(fā)卡行或者非銀行支付機(jī)構(gòu)向持卡人提供的宣傳資料載明其承擔(dān)網(wǎng)絡(luò)盜刷先行賠付責(zé)任，該允諾具體明確，應(yīng)認(rèn)定為合同的內(nèi)容。持卡人據(jù)此請求發(fā)卡行或者非銀行支付機(jī)構(gòu)承擔(dān)先行賠付責(zé)任的，人民法院應(yīng)予支持。

The "Bank Card Regulations" emphasized that the promotional materials provided by the issuing bank or non-bank payment institution to the cardholder stated that it shall assume the responsibility for the advance payment of online fraudulent payments. The promise is specific and clear, and should be identified as the content of the contract. Where the cardholder requests the issuing bank or non-bank payment institution to assume the responsibility for advance payment, the people's court shall support it.

因非銀行支付機(jī)構(gòu)相關(guān)網(wǎng)絡(luò)支付業(yè)務(wù)系統(tǒng)、設(shè)施和技術(shù)不符合安全要求導(dǎo)致網(wǎng)絡(luò)盜刷，持卡人請求判令該機(jī)構(gòu)承擔(dān)先行賠付責(zé)任的，人民法院應(yīng)予支持。

If a non-bank payment institution's relevant online payment business systems, facilities, and technologies do not meet the security requirements and lead to online fraudulent use, the people's court should support the cardholder's request to order the institution to assume the liability for advance compensation.

 

From website : http://baijiahao.baidu.com/