CAJ | 학술논문

法院审理信用卡冒用损害赔偿纠纷时，对持卡人与发卡行约定的冒用责任承担条款的效力、损害赔偿的分担，均有不同认定。根据持卡人、发卡行和特约商户三者形成的法律关系，以对债权准占有人给付效力的规则认定冒用损失的承担，同时考虑各主体对冒用风险的防范能力，做出特殊情形下的政策考虑。根据发卡行与持卡人订立合同时的地位，应认定责任转嫁的格式条款无效。特约商户履行发卡银行与持卡人之间的约定，处于履行辅助人地位，对未尽刷卡审核义务造成的冒用损失，应由发卡行承担。
법원심리신용잡모용손해배상규분시，대지잡인여발잡행약정적모용책임승담조관적효력、손해배상적분담，균유불동인정。근거지잡인、발잡행화특약상호삼자형성적법률관계，이대채권준점유인급부효력적규칙인정모용손실적승담，동시고필각주체대모용풍험적방범능력，주출특수정형하적정책고필。근거발잡행여지잡인정립합동시적지위，응인정책임전가적격식조관무효。특약상호리행발잡은행여지잡인지간적약정，처우리행보조인지위，대미진쇄잡심핵의무조성적모용손실，응유발잡행승담。
In case of a compensation dispute for damages arising out of fraudulent use of the credit cards, no uniform practice has been formed among courts with respect to both the validity of the clause by and between the card holder and the issuing bank on the burden of liabilities due to fraudulent use of the credit card and the appropriation of damages. In accordance with the relation?ship formed among the card holder, the issuing bank and the merchant, adopting the validity rule for the payment against the quasi possessor of the creditor’s rights to decide the burden of losses arising out of the fraudulent use and in consideration of all the subjects’ capability to prevent the risks from arising out of the fraudulent use, the policy shall be taken into consideration under spe?cial circumstances. The merchants serve as an auxiliary performer to perform the agreement by and between the issuing bank and the card holder, and therefore, the issuing bank shall be liable for the losses arising out of the fraudulent use due to failure to perform the obligation to audit the cred?it card in use.