[新聞] 信用卡「離線交易」漏洞 掛失仍被盜刷
台中市一名呂姓女子(35歲)上月20日在東海夜市遺失手提包,裡面有2張分屬玉山、台
新銀行的信用卡,另有數百元現金,呂女立即向銀行掛失,沒想到, 事後仍被盜刷5筆共
2816元,銀行還列入帳單向她請款,「實在太扯了!」玉山銀行表示,該5筆交易均是在
店家與銀行離線時間交易,銀行會全額吸收。
呂姓女子向《蘋果》投訴,包包遺失後隨即向玉山、台新兩家銀行掛失信用卡,兩家銀行
也都補發新卡給她,但她怕舊卡被盜刷可能出現認定上的爭議,一直沒開卡,果然6月初
接到玉山銀行信用卡帳單,就發現5月22日在誠品龍心店被盜刷546元,5月24日則在四季
百貨東海店被盜刷2筆共831元。
呂女說,她立即向玉山銀行反映,但對方態度卻不積極,幾個小時過去都沒人和她聯繫,
後來銀行查出除該3筆交易外,歹徒又在5月26、27日兩天連續在四季百貨東海店各盜刷一
筆,金額共1439元,合計5筆盜刷金額共2816元。
呂女說,事後她詢問台新銀行,發現歹徒也試圖持該行信用卡盜刷,但因卡片已掛失,並
未得逞。呂女已向警方報案,她說,台新銀行做得到,玉山銀行也算是國內信用卡市場的
龍頭,卻無法保障消費者權益,「實在太令人失望了!」
玉山銀行信用卡部門陳姓經理說,信用卡國際組織會針對一些刷卡金額較小、筆數較多的
店家,在線路不穩或斷訊時,允許該些店家可離線交易,即刷卡時不會與發卡銀行連線,
等於是給店家一種便利性,經查呂小姐的5筆被盜刷的交易,都是在離線時間交易,銀行
會全額吸收,不會造成客戶損失。(鮮明/台中報導)
http://www.appledaily.com.tw/realtimenews/article/new/20170613/1138932/
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