서울중앙지방법원 2016.06.14 2014가합27024




Defendant A Co., Ltd. shall pay KRW 100,000 each to the Plaintiffs listed in the Plaintiff’s list as shown in attached Table 2-1 and each of them on January 2014.


1. Basic facts

A. The status of the parties, etc. 1) Defendant A, B, and C as well as Defendant A, B, and C engaged in the business of issuing, selling, and managing credit cards, pre-paid cards, and debit cards (hereinafter collectively referred to as “Defendant A, B, and C”).

Defendant D is a company established jointly by financial institutions, which is the Act on the Use and Protection of Credit Information (hereinafter “Credit Information Act”).

(2) The Plaintiffs are those persons, among Defendant Credit Card Companies, using or using credit cards, etc. upon entering into a contract for use or financial transactions with Defendant Credit Card Companies.

B. The concept of the card accident analysis system and the introduction card accident analysis system (hereinafter “FDS”) are introduced by all domestic credit card companies as a system to detect abnormal or fraudulent use due to theft, loss, forgery, etc. of credit cards. According to FDS, an analysis model is made based on statistical methods using large-scale card use information and pertinent customer information based on past accident transactions and based on this, if it is discovered that abnormal types of transactions have occurred according to the statistical analysis pattern of the credit card when using the credit card.

C. Defendant A’s conclusion of the FDS development service agreement and the provision of card customer information by Defendant A’s card users, around 2006, requested E or Defendant D to provide FD services related to FD business, each time, by introducing FDS.

F is an E employee from October 2009 to April 2010, and from September 2013 to December 2013, the F is an employee of Defendant D, and the said company is involved in the FDS development and installation work entrusted by the Defendant A as a general manager of the project.