Court Favors Bank on Chip-and-PIN Cloning Case

Court Favors Bank on Chip-and-PIN Cloning Case

Alain Job, who claimed he did not withdraw from his ATM account but lost a huge amount, failed his quest to hold his bank liable.A court in Nottingham County sided with Job's bank's, Halifax, arguments.
Job's legal counsel Stephen Mason said the court had the log files showing his client's real card had been used to withdraw eight times. The log files consist of data transmitted from the ATM displaying transactions to the bank's record system. However, these did not prove that Job's ATM card has been cloned.

The evidences previously held by Halifax were lost for some reason. These include Job's ATM card and the ARQC (Authorization Request Cryptogram), an information which could have determined whether the card's chip has been read by the machine. Halifax argued ARCQ could have never existed at all. Furthermore, the bank was not able to submit the ATM machine's records, a valuable evidence to the case.

Job lost a total £2,100 from his account in February 2006. He then filed charges after failing to close a refund deal with Halifax.