储户12万存款不翼而飞

　　储户的银行卡和网银认证K宝均未丢失，账户资金却以快捷支付方式被转走12万元，这是2014年11月在珠海市民李某身上发生的不幸遭遇。近期李某起诉珠海某银行要求全额赔偿，珠海市香洲区法院判决银行承担20%责任，一审后双方均未上诉，目前判决已生效。

　　12万存款被转账

　　2014年9月，李某在涉案银行申领一张银行卡，并开通了短信提醒等业务，账号金额变动超过10元时将发送短信到李某指定手机号码。2014年11月14日21时41分，李某在自动柜员机上取现200元，指定手机收到了短信提醒。然而，从13分钟后，（2014年11月14日21时54分开始至2014年11月16日16时04分），李某的银行账户款项频频发生变动，分别以网上银行、手机客户端、电话银行等快捷支付方式共支出41笔款项，支出金额合计122964.78元。

　　后来发现账户异常的李某立即挂失该银行卡，并到派出所向警方报案，该案警方至今尚未侦破。

　　提醒短信未收到

　　案件审理中，李某表示涉案41笔资金交易时，其手机没有收到银行发送的短信交易提醒，但因为按照移动公司建议对手机恢复了出厂设置，李某无法提供短信记录予以核对。银行提供了41笔款项的支出时系统短信记录，全部短信记录显示“短消息转发成功”，法院根据现有证据确认银行向李某手机发送了短信提醒。

　　除此之外，银行声称“很安全”的快捷支付方式，在李某本次被盗刷的过程中也出现了问题，交易绕过K宝认证。经案情分析，41笔交易是通过电话银行、手机银行、网上银行的快捷支付方式进行，在操作中只需通过电话银行、网上银行等电子银行渠道输入银行账号、密码即可产生付款行为，即便有些付款需要验证码，验证码也是发送至指定的手机上。

　　双方被判有过错

　　针对本案中涉案资金被盗刷原因，法院认为资金被盗主要是由于李某手机信息、银行账户和密码的泄漏所造成，李某对账户资金被盗负主要责任。

　　另外，法院认为银行作为金融机构，需增强金融服务的安全性，提高银行系统软件的技术水平，承担相应安全保障责任。

　　最终，法院根据双方过错的比例，酌定银行承担20%赔偿责任。目前该判决已经生效。

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