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伴随着经济社会的发展,各种银行卡因遗失或被窃导致的非持卡人本人持卡消费行为逐渐增多,如何从不同的事实中分析相关法律问题,将当事人的合同义务从纷繁复杂的事实认定中剥离出来,作出符合法律的裁决,是法官义不容辞的责任。本期编发题为《信用卡冒用背景下特约商户的审核义务》、《特约商户对信用卡持卡人签名仅负有形式审核义务》两篇案例,涉及持卡人、发卡银行、特约商户三方之间法律关系的认定,特约商户对持卡人刷卡消费时的审核义务,以及造成持卡人或发卡行损失后的特约商户的责任承担等问题,希冀对处理此类案件有所裨益。
With the development of economy and society, the non-cardholders’ consumption behavior of cardholders due to loss or theft is gradually increasing. How to analyze the relevant legal issues from different facts and change the contractual obligations of the parties from complicated It is the bounden duty of the judge to peel it out and make a ruling in conformity with the law. In the current issue, there are two cases entitled “Audit obligations of authorized merchants in the context of fraudulent use of credit card” and “Signature of credit card holder only with special merchants”, involving three cases of cardholders, card issuers and special merchants The legal relationship between the identification of merchants cardholder credit card spending audit obligations, as well as the cardholder or card issuing bank after the loss of the responsibility of the merchants to assume responsibility and other issues, hopes to deal with such cases benefit.