When the financial liability accidents such as voice phishing larger banks

[Korea sinyuncheol financial newspaper reporter] as early as the middle of next month from the bank should pay compensation to customers when the electronic financial transactions, such as hacking, phishing, pharming, SMS phishing incidents. Further cooperation was strengthened obligations for banks to transfer errors that occur by mistake, enter the account number of the recipient, such as when transactions. Overall, the direction of strengthening the rights of financial consumers.

◇ standard terms and conditions change, the Bank increased liability for damages

In January, the Fair Trade Commission Korea Federation of Banks by the Financial Services Commission on the basis of the amendments to charge examination, the Financial Supervisory Service, Ministry of Government Legislation, Korea Consumer Agency, Korea National Council of Consumer Organizations, Financial Consumer converge Federation and other related institutions opinion and agreement Review Advisory Committee, the FTC small meeting It has announced that it has finalized through the standard terms and conditions.

The topics are: △ electronic financial transactions coverage (non-face-to-face, deal with automated manner) △ electronic financial transaction types added (Collection Transfer, delays transfers, etc.) △ liability and scope △ key intention notification method of standard terms △ of the agreement · · express delivery is described obligation and expressly fee △ △ changes and errors remittance obligations, including cooperation on.

The revised standard agreement in principle had occurred in the case of an accident bank electronic banking transactions to pay for damages. Existing bank indemnity provisions set forth as "acts of God, cases of force majeure due to a power failure occurred without fault of the war or the bank 'was deleted. Hacking, phishing, SMS phishing, pharming, such as accident type was also added that the bank would bear liability for the user.

Phishing is a scam that tricked into giving out personal information, financial institutions and public institutions. Pharming is a way to lure victims to fake sites to steal personal information, SMS phishing is a technique of planting malicious code in a text message seize personal information. Meanwhile, this is also the victim of financial fraud negligence gotta admit, some financial institutions are not liable for the total damage of gold.

The amended agreement damages the scope of the accident was stated as "damage amount and the one-year time deposit interest rate for it." If a customer's intention or gross negligence were to be spared all or part of the bank charges. However, the customer, and whether or gross negligence must be proven by the Bank. Except when the customer is proven that the damage caused by the accident of electronic financial transactions.

Customer accounts and do not have security card is lost, stolen, etc. Report of banking services accessible medium banks must make restitution for electronic financial transactions accident. Previously, this was possible only if the damages theft, reported loss of access media.

Commercial bank official said, "would also require institutional support that customers receive damage compensation, but actively restitution of the property if the offender is your responsibility to avoid this area may result in reduced cases of abuse it."



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