ID number and bank card numbers reported Carry 20 million gone
- Details
- Category: Ningbo News
- Published: Wednesday, 18 July 2012 09:36
ource 2012-7-18 9:20:35 Evening
"As long as the provision of $ 200,000 certificate of deposit, you can easily apply for loans." Newspaper "loan company" of this ad, so that the ancient Mr. urgent need of cash flow to move the heart.
He borrowed 200,000 yuan into its own bank card, a few minutes later, the money was missing.
Mr Koo investigation, someone had used her wife's network IP address through the online banking channel, originally bundled with bank card, his mobile number to another phone number, through this phone number three times, the card 200,000 yuan to turn away.
Ancient, in retrospect, had a "loan company" he and his wife's identity card, the opening of the new CCB card number and other information. He also thought it was normal procedure, and remorse.
Newspaper advertising "no mortgage, you can easily handle large loans
Mr. Ku nearly 50 years old, came to Ningbo for many years, opened a small company.
In October last year, his liquidity needs due to financial sum of money to the bank loan, but no loan.
He saw in a newspaper with a worried frown of an ad: "No mortgage, you can easily handle large loans.
Mr Koo played in the past according to the ad on the phone. Each other as long as 20 million in deposits in the bank account of the lender and the bank copy of deposit slip, you can apply for the loan formalities.
Mr Koo suddenly unable to 20 million in cash, to find a trading company in the classified ads in the media. Liu of the company agreed to Mr Koo's bank card into the $ 200,000, then after the 20 million reversal of Liu's account. To this end, Mr Koo would like Liu to pay the fee of 2000 yuan.
A few minutes, $ 200,000 was missing
On October 31 last year, Mr Koo about Liu came to a Construction Bank.
Arrived in the bank door, Mr Koo's wife calls to say she went to the Industrial Bank asked, this loan is very tricky advertising. Styled Mr Koo did not think too much.
Mr Koo has just opened in the Construction Bank to a card, and opened the business of online banking and telephone banking, apply for U Shield, the phone number of the 189 at the beginning of this bank card binding.
According to the agreement, Mr Koo was 200,000 yuan IOU Liu will hit 200,000 yuan Mr. Ku Construction Bank card, and print the deposit slip.
When everything is ready, Liu intends to 200,000 yuan back to their own account, he was told that the card balance is only 19 yuan.
Liar use of the information provided by Mr Koo "control" or weightless and his bank card
Mr. ancient alarm. However, a few months later, the case is still no result, the liar phone as early as canceled.
February 9 this year, Mr Koo Construction Bank sued to Yinzhou the court. March 21, May 30, Yinzhou court two public hearing of the case. Mr. ancient unauthorized bank deposits in his account without authorization will be designated to go to 200,000 yuan in compensation.
Construction Bank, Mr Koo loss of his own making.
CCB to produce Mr Koo account transactions operating record:
October 28, 2011, opened a personal e-banking services, and 189 at the beginning of the phone number to bind - This is the ancient himself dry.
The next few steps, is a liar dry -
13:00 pm the same day registered under the name of his wife IP address is 125 × × × × × × × × network in the host through the online banking channel, will be bundled with the number 189 at the beginning of the mobile phone banking is closed ;
14:14 opened the bundle number 137 at the beginning of mobile banking, but also through the online banking channel;
14:56, above 137 at the beginning of the phone to activate mobile banking.
October 31, 14, 43 to 14:47, above 137 at the beginning of the mobile phone operating three times the $ 20 million in the account transferred to the bank account user name is Lee.
Mr Koo recall, before the borrower to Liu, the "loan company" requirements to run a CCB card. "Loan company" to the name of the procedure, leaving he and his wife's identity card number, the opening of the new CCB card number and other information.
So, the liar should use this information, "control" Mr Koo's bank card.
Judge: authentication elements to complete the operation, as I behavior
Construction Bank pointed out that the only savers set your own password and exclusive network of silver shield, to change the bindings of the mobile phone number. With the implementation of the operation of the IP address corresponding to the network users, is the wife of Mr. Ku, one can assume that the operation behavior of the ancient Mr. I, the consequences shall be personally liable, and the banks not involved.
The Yinzhou court, after hearing that China Construction Bank e-banking Personal Customer Service Agreement expressly agreed, including the PIN authentication elements, identify the depositors of the banks in the provision of electronic banking services in accordance with authentication elements of all the trading operations as the depositor himself.
The use of authentication elements of both that the identification of the identity of the trader, also shows that the confirmation of the transaction details. Therefore, the above-mentioned operation is regarded as the acts of the ancient Mr. I.
The court finds that Mr Koo is not entitled to the CCB compensation, but may request the public security organs. Judgment Zuoqi take effect.