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金融业务中出现的客户身份认证号码具有如下特征:不是一种直观的书面文件,对保密的严格性要求很高,能够鉴别客户身份真伪和确认交易内容适当与否,存在潜在不安全性等。文章认为,金融机构负有及时提醒客户注意保密其个人身份认证号码和严格为其身份认证号码保密的义务,客户负有谨慎的义务,并就金融机构与客户签约时提供格式合同中免责条款的效力和客户身份认证号码在证据上的效力进行了探讨。
Customer authentication numbers appearing in financial services have the following characteristics: not an intuitive written document, high stringency requirements for confidentiality, the ability to authenticate the identity of the customer and confirm the appropriateness of the transaction, potential unsafeness, etc. . The article argues that financial institutions have the obligation to promptly remind customers to keep their personal identification numbers confidential and to strictly confidentiality of their identity numbers, and clients have a cautious obligation to provide financial institutions with client disclaimer of contract clauses Effectiveness and customer identification number in evidence of the effectiveness of the discussion.