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Cai Honghui v. Jin Cailai (A case about credit card disputes)
蔡红辉诉金才来信用卡纠纷案
【法宝引证码】

Cai Honghui v. Jin Cailai (A case about credit card disputes)
(A case about credit card disputes)
蔡红辉诉金才来信用卡纠纷案

Cai Honghui v. Jin Cailai

 

蔡红辉诉金才来信用卡纠纷案

(A case about credit card disputes) [裁判摘要]
[Abstract of Judgment] 银联卡特约商户在受理有预留签名的银联信用卡消费时,应当根据其与发卡银行之间的约定以及中国人民银行《银行卡联网联合业务规范》的规定,核对持卡人在交易凭证上的签字与信用卡签名条上预留的签字是否一致。未核对签名造成持卡人损失的,应承担相应的赔偿责任。信用卡所有人为信用卡设置了密码,但因自身原因导致密码泄露的,可以适当减轻特约商户的赔偿责任。
When a CUP merchant accepts a payment through a signed CUP credit card, it should verify that the cardholder's signature on the transaction receipt is the same as that on the signature strip of the credit card, pursuant to the agreement between the merchant and the card-issuing bank and the Bankcard Networking Business Standards issued by the People's Bank of China. The merchant shall assume the corresponding compensatory liability for loss caused to the cardholder by its failure to verify the signature. However, if the cardholder has set a password for his credit card but the password is leaked to someone for his own fault, the compensatory liability of the merchant may be reduced accordingly. 
BASIC FACTS 原告:蔡红辉。
Plaintiff: Cai Honghui, male, Han Chinese, 38 years old, government staffer, domiciled at South Tiantong Road, Yinzhou District, Ningbo City. 被告:金才来。
Defendant: Jin Cailai, male, Han Chinese, 40 years old, individual merchant, domiciled at Zhenxing Road, Qiuai Town, Yinzhou District, Ningbo City. 原告蔡红辉因与被告金才来发生信用卡纠纷,向浙江省宁波市鄞州区人民法院提起诉讼。
...... 原告蔡红辉诉称:2009年5月16日 22时30分许,原告驾车在宁波市邱隘镇方庄社区路边停车时,被案外人汪成楠等四人劫持。汪成楠等四人抢走原告信用卡 6张,逼迫原告说出密码并限制原告的人身自由。5月17日9时,原告被解除人身限制后立即报案。后查询信用卡记录得知, 5月19日上午8时19分、8时20分,原告的信用卡被他人在被告金才来经营的宁波市鄞州邱隘金凤珠宝店进行了刷卡消费,其中鄞州银行信用卡消费75 000元,中国银行信用卡消费3670元,POS签购单上持卡人签名为刘明。原告在前述两张信用卡背面均有原告本人的预留签名,被告未审查该持卡人签名与信用卡预留签名是否一致,也未对持卡人的身份证进行核对审查,对持卡人的不正常消费行为未采取严格的审查措施,导致原告财产受损,故应承担相应的赔偿责任,请求法院判令被告赔偿原告经济损失78 670元。
 原告蔡红辉一审提交以下证据:
 1.(2009)甬鄞刑初字第762号刑事判决书及(2009)甬刑终字第275号刑事裁定书各1份,用以证明2009年5月16日原告蔡红辉遭到抢劫以及信用卡被抢劫后在被告金才来处消费78 670元,在其他ATM机上支取现金49 200元等事实;
 2.涉案中国银行及鄞州银行信用卡复印件各一份,用以证明原告蔡红辉在该两张信用卡的背面均有预留签名的事实;
 3.签字为“刘明”的宁波银联商务POS签购单两份,金额分别为75 000元、3670元,用以证明2009年5月17日原告蔡红辉被抢的两张信用卡在被告金才来经营的宁波市鄞州邱隘金凤珠宝店消费78 670元,消费时,持卡人签名与原告在信用卡背面的预留签名不一致。
 被告金才来辩称:首先,法律并未禁止使用他人的信用卡消费,而且信用卡上也无法显示相关信息,被告无法确认持卡消费人是否是原告蔡红辉本人;其次,原告被盗刷的两张信用卡均是凭密码消费,而不是凭签名消费,故原告经济损失与被告无关;第三,案发后,公安机关已经追回部分赃物、赃款,因此原告实际的经济损失不足 78 670元。请求驳回原告的诉讼请求。
 ......

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