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December 8, 2009

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Reveals password; loses lawsuit

A LOCAL court threw out the lawsuit of a Taiwanese businessman who wanted a bank to cover his loss of 12 million yuan (US$1.76 million) because his debit card was cloned and used for a shopping spree in Macau.

Judges of the Shanghai No. 1 Intermediate People's Court yesterday said the Taiwanese surnamed Wong was at fault for inputting the password of the debit card in the presence of others.

Wong applied for the debit card at Dongguan Bank in Guangdong Province on February 25, 2008. He went to Hong Kong with the debit card the next month.

To offer a credit guarantee for a friend, Wong input the card's password at an ATM to show people he had enough money.

The person who required the guarantee took the debit card out of Wong's sight to another room, saying he needed a copy of the card. Wong, though puzzled, didn't think much about the behavior.

On March 18, Wong found the debit card was used to buy 12.19 million yuan worth of jewelry and watches in eight Macau stores from the night of March 14 to early morning March 15 - a time when Wong wasn't in Macau.

Wong suspected somebody had cloned his card and stolen the password. Besides reporting it to the police, he sued the bank and China UnionPay, the Shanghai-based bank card manager.

He said the bank didn't clarify that the debit card could be used overseas and didn't impose an annual consumption limit of US$50,000. He also accused the China UnionPay of security loopholes in its card system.


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