The Court of Criminal Appeal in Ras Al Khaimah yesterday considered the case of an Arab banker charged with stealing a client's data and seizing his money through the use of the bank's smart application.
The prosecution accused the employee of stealing 24,850 dirhams owned by the victim, explaining that the accused used the smart application of the victim, in order to obtain his money.
"A customer has the right to download the smart application to the bank on his phone, provided that he has the same private phone number registered with the bank, so that he can then transfer funds using the smart application," a witness at the bank said.
He explained that he solved the problems of customers and listen to their suggestions and help them to complete their transactions, and has never been one of the employees using the bank accounts without access to their data and the numbers of their accounts, in order to access the electronic system and withdraw funds.
He explained that the client can not download the smart application for banking transactions on a phone other than his phone, because the bank sends a secret code on the customer number registered in each transfer of funds, making it difficult for anyone to transfer money from the smart application without obtaining the secret code Which is sent in a text message via the client's phone.
He pointed out that any process of transferring money through smart applications without receiving the secret code is a piracy process by a gang specializing in theft of customer funds, following that electronic theft of customer data occur frequently, and through which the gang members contact customers to get the secret code, Text on their mobile phones, in order to complete the withdrawal of funds.
He added that banks and banks alert customers to the need not to disclose the secret code or banking data of any connected, because it may expose him to electronic theft, pointing out that the electronic piracy on bank accounts of customers are carried out once, and not in consecutive periods, so as not to be disclosed and the banks close Account for the purpose of insurance and prevent theft.
The accused's lawyer told the court that the charges against his client were not related to the electronic piracy of the smart application that the witness had reported, and that the facts described by the witness differed from those recorded in the case papers, pointing out that it was not logical for the accused to transfer money from an account (The victim) to another account without obtaining the secret code to complete the transaction, asking the court to allow the accused to stand beside his sick mother to secure his passport.
According to the case papers, the victim went to the bank to open a bank account, and asked the defendant, because he trusted him to teach the method of loading the smart application on his mobile phone to take advantage of the services of the smart bank, and accused the smart application in the client's phone, Personal Banking Confidentiality.
She said the defendant had been sporadic money payments for five months to the account of one of his friends, and the victim received text messages to conduct bank transfers from his account to another account.