我被以3D驗證碼通過的方式盜刷了 - 信用卡

: 推 grandpa:我想沒搞清楚的事樓上...機制就是VISA搞出來的沒錯 10/03
15:0
: → grandpa:但不合理的條約是台灣的銀行搞出來的 樓上請多爬文 10/03
15:0
: → amethysta:重點是國內銀行定出的條款，一樓先爬文再批評吧！ 10/03
19:4


好像不只是台灣的銀行，加拿大的銀行也是搞這套條款

今天買東西突然跳出了3D驗證的申請書讓我猶豫了一下

看了看才發現。 各地的銀行都是一樣的。



Tuna


Cardholder Password and Security
You are solely responsible for maintaining the confidentiality of your
password, Activation Data and other verification information established by
you with Verified by Visa, and all activities that occur using your password,
Activation Data or other verification information supplied to or established
by you with Verified by Visa. You agree not to transfer or sell your use of,
or access to, Verified by Visa to any third party. You agree to immediately
notify us by contacting us, as we require in our cardholder agreement with
you for a lost or stolen card of any unauthorized use of your password or
other verification information, or any other breach of security. You will be
liable for any unauthorized activity involving use of your password or
Activation Data, until we receive such notice. You acknowledge and agree
that, except as otherwise provided by Applicable Law or in our cardholder
agreement with you, Scotiabank shall not be liable for any loss or damage
arising from your failure to comply with this TOS.



※ 引述《katiowa (katiowa)》之銘言：
: 標題: Re: [問題] 我被以3D驗證碼通過的方式盜刷了
: 時間: Wed Oct 3 12:15:39 2012
:
: 3D密碼名字好聽, 對資安不怎樣.多一個易被盜的密碼.
: 看來是國內的一些小銀行聯合撇開責任.
: 密碼可能在國外被偷的, 或商家的電腦被偷的
:
: 國內銀行用3D密碼將責任丟給消費者很不道德.
: 所以, 銀行人員電話誘導或恐嚇方式.
:
: 建議:
: 1.交由第三者接行員的電話,才可冷靜判斷.
: 2.帳款直接交由國際VISA組織仲裁.
: 消費者有理的話就都不用繳.
: 輸的話, 頂多約付兩萬元仲裁費.
: 交由國際VISA仲裁, 就算輸的話,
: 也可讓國內這些使用可笑的3D密碼銀行丟臉.
: 3.交由國際仲裁對於信用也沒有不良影響.
:
: 銀行若真的怕盜刷,應用一次性密碼等先進成熟的技術.
: 況且在盜刷時, 就馬上連到銀行,
: 銀行系統當場可當場警示, 馬上回Call 確認.
:
: --