ICBC Has Not Been Stolen From The Bank For 370 Thousand &Nbsp. The Bank Said There Was No Relevant Provision For Customer Losses.

Lily, who lives in Haidian District, has received business.

"Stuck in my hands. I am in Beijing, but in Shenzhen.

After losing the card, the bank staff print out the details of the card consumption.

The bill shows that the bank card was withdrawn from 369486 yuan, of which nearly 360 thousand yuan was spent in the POS machine of a jewelry store in Shenzhen, and 10 thousand yuan was drawn from the bank ATM machine.

After the incident, Lily went to Yongding Road police station for help.

The police said that because of the incident in Shenzhen, I hope it will report to Shenzhen.

Last night, Lily flew to Shenzhen.

At around 10 a.m., Lily came to Shenzhen Luohu District Sungang police station to make a pcript, and went to the jewelry store with a policeman to check the surveillance video with the police.

Lili said she saw on the video that the suspect was a more than 20 year old man wearing a black jacket.

"My last consumption was in February 21st, using U shield to buy skin care products online."

Li Li said that her recent withdrawals were the bank counters of a branch of Haidian ICBC in February 18th.

ICBC 95588 customer service said that such a situation may be the customer's card number and password leaked, the suspect copied bank card and then swiped card consumption or cash withdrawals, Beijing area has not yet had a similar case before.

The customer service staff said that the bank will not disclose the information of the customer, and will do its best to help the police solve the case and recover the money stolen by the customer. However, if there is no way to find the criminal, the bank has no relevant compensation provisions, so the client can freeze the bank card first and then make a replacement.

Lily said that she was very careful about information security and did not know how her bank card information was leaked out.

The police said that the acceptance of cases by public security organs is the principle of territorial jurisdiction, which is generally consistent with administrative divisions. In which area, where a case is reported, it is reported where it is reported. If there are several scenes and cross regions, it will be reported in the near future and designated by their joint superior public security organs.

After the incident, Lily first reported to the Yongding Road police station, but was told that the case was not in Beijing and could not be filed.

Lily had to fly to Shenzhen overnight, and she said, "it's very helpless for a person to be in a completely strange place."

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ICBC customer service said that since 2010, the bank has launched a chip bank card.

That is to say, when the customer swims the card, the system needs not only to identify the magnetic stripe of the bank card, but also to identify the chip in the card, which will bring difficulty to the clone card.

The customer service said that the chip bank card is the same as the ordinary bank card, and the public can upgrade their bank card to avoid being robbed by cloning.

Lili is worried that if we can not find the suspect who robbed her bank card, according to the ICBC's customer service staff, she can only see her savings disappear, there is no way to claim, she will bear huge economic losses.

Bi Wenqiang believes that the relationship between bank card customers and banks is a debit relationship. Consumers lend money to banks because of their full trust in banks, so banks have the obligation to protect citizens' deposit security.

On the other hand, from the point of view of technology, a duplicate bank card, POS and ATM have not been identified, which indicates that there are technical defects.

For consumers, banks are naturally dominant, and banks are primarily responsible for this.

Nie Junfeng, a well-known credit card expert, said that this can not be regarded as a technical defect, but also related to bank card organizations, acquirers and cashiers.

ATM machine and POS machine principle is the same, POS machine can not identify authenticity, there are cashiers to verify the signature, ATM machine is completely automatic, and therefore is not surprising.

Nie Junfeng said that the fundamental way to solve such problems is to establish the legal effect of signature in laws and regulations. Two, we should promote the issuance of cards, collect orders, UnionPay and merchants' compliance with laws and regulations on the basis of legislation. Three, we need to promote the chip of bank cards.

Beijing City Public Security Bureau said that in recent years, there has been fraud in bank card consumption and credit card overdraft.

In this regard, the Beijing Municipal Public Security Bureau reminded the general public to encounter such a situation. One is to call the bank customer service telephone in time for consultation, timely reporting, and keeping good evidence.

Beijing Public Security Bureau said that since February, the telecommunications fraud cases in the city have increased by 170% over the past year, and personal information security is becoming more and more important.