网络移动支付环境下信用卡诈骗罪定性研究

发布时间：2018-02-01 01:56

本文关键词： 网络移动支付金融账户信用卡诈骗罪冒用盗窃信用卡并使用　出处：《现代法学》2017年06期 　论文类型：期刊论文

【摘要】：网络移动支付是网络技术与金融产品深度结合的产物。在网络移动支付环境下,信用卡的实质内涵应当是具有特定关系的金融账户。网络移动支付账户与信用卡账户既有区别又有紧密联系。两者的本质区别是前者由非金融机构设立,后者由金融机构设立,因而不能将两者等同视之。基于两者的紧密联系,应将网络移动支付视为信用卡的新型支付方式。在网络移动支付环境下,冒用信用卡行为的对象是具有特定关系的金融账户;冒用的主要类型是冒用网络移动账户实施侵财;冒用的重要特征不是"账户资金被盗",而是"机器人被骗"。"窃取他人信用卡信息资料并通过互联网、通讯终端使用"与"盗窃信用卡并使用"之间的逻辑冲突进一步放大,立法上适时作出调整迫在眉睫。以非法占有为目的盗用他人手机并利用其网络移动支付账户转账的行为应以信用卡诈骗罪定性。
[Abstract]:Network mobile payment is the product of the deep combination of network technology and financial products, in the network mobile payment environment. The essential connotation of credit card should be the financial account with specific relationship. The network mobile payment account and the credit card account are both different and closely related. The essential difference between them is that the former is set up by non-financial institutions. The latter is set up by financial institutions, so they can not be equated. Based on the close relationship between the two, mobile payment should be regarded as a new payment mode of credit card. The object of fraudulent use of credit card is the financial account with a specific relationship; The main type of fraudulent use is the fraudulent use of network mobile accounts to invade money; An important feature of fraudulent use is not "account theft", but "robot being cheated". "stealing other people's credit card information and passing through the Internet." The logical conflict between "steal credit card and use" used by the communication terminal is further amplified. It is urgent to make timely adjustments in legislation. The crime of credit card fraud should be regarded as the crime of credit card fraud for the purpose of embezzling other people's mobile phones and making use of their network mobile payment accounts to transfer money.
【作者单位】：华东政法大学法律学院;华东政法大学研究生教育院;
【基金】：2014年度国家社科基金重大项目“涉信息网络违法犯罪行为法律规制研究”(14ZDB147) 中国法学会重点委托课题“互联网金融犯罪的法律规制”(CLS2016ZDWT48)
【分类号】：D924.3
【正文快照】： 随着网络与金融的深度融合,网络移动支付正在取代传统的信用卡支付方式,这无疑给理论界与实务界对信用卡诈骗罪的讨论与认定带来了新的冲击和挑战。在网络移动支付环境中,如何正确认识信用卡诈骗罪相关新问题并对相关侵财行为进行准确的定性,是我们当下金融刑法领域应当重点研

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