Court sides with Halifax in chip card clone case
04 June 2009 | 13633 views | 3
A UK judge has ruled in favour of high street bank Halifax in the country's first ever phantom withdrawal lawsuit involving a chip card.
The case was brought by customer Alain Job who claimed that fraudsters cloned his chip-based card and withdrew £2100 from his account at ATMs.
The judge based his ruling on printouts from log files to show that Job's real card had been used for the transactions and that the machine had not defaulted to reading mag-stripe data.
The suit was filed after two critical pieces of evidence once held by Halifax were destroyed, including the original ATM card and the Authorisation Request Cryptogram that could have proved that the card's chip had been read and authenticated by the machine.
The plaintiff says he is studying the judgment before deciding whether to appeal the ruling.