利用钓鱼网站窃取信用卡信息并转账行为的刑法规制研究

发布时间：2018-02-15 19:19

本文关键词： 钓鱼网站盗窃冒用他人信用卡信用卡诈骗　出处：《吉林大学》2017年硕士论文　论文类型：学位论文

【摘要】：我国公民正饱受电信诈骗的严重危害。电信诈骗案不但高发,而且方式更新快,损害公民财产权益,侵犯公民隐私,具有严重的社会危害性。其中,与其他类型的电信诈骗相比,在全球范围内频繁出现的网络钓鱼行为具有全球性、传播快、危害大的特点,这些用于犯罪的钓鱼网站严重影响在线金融服务、电子商务的发展,降低公民对于互联网信息的信赖程度。发生在我国的钓鱼网站犯罪通常是利用钓鱼网站窃取到被害人网上银行账户的账号密码等资料(信用卡信息资料),再利用这些信息通过网上银行的身份认证,登录真正的网上银行进行转账的行为。本文通过案例引入的方式,列举了这一类型案件的不同判决观点,呈现司法实践中对于利用钓鱼网站盗窃信用卡信息资料并使用行为的同案不同判问题。在实践中,对这种犯罪模式中的行为方式的定性上存在较大的争议,有盗窃罪、信用卡诈骗罪、诈骗罪三种判决意见,并且不同判决所依据的司法解释和刑法条文中存在着一定冲突。本文首先明确了网络钓鱼行为的本质是身份窃取,即窃取网络用户的个人信息,钓鱼网站是进行网络钓鱼的工具,其功能就是窃取被害人金融账户的身份认证信息(信用卡信息资料、网上银行账户用户名、密码和口令等)。以及信用卡信息资料是信用卡在网络世界中的存在形态,在电子支付时代,信用卡信息资料的使用效果和信用卡是基本相同的,二者的价值、性质都应当等同。其次,本文论述了诈骗罪和盗窃罪的区别在于是否存在处分行为,以及我国信用卡诈骗罪的源起、行为方式、“盗窃信用卡并使用”的定性问题。力求通过对于行为模式的分析以及相关罪名的深入探讨来研究在网络上“利用钓鱼网站窃取信用卡信息资料后又转账”的定性问题。“冒用他人信用卡”是信用卡诈骗罪的一种行为模式,根据我国刑法第一百九十六条第三款之规定,盗窃信用卡之后再进行信用卡的冒用行为,论以盗窃罪。这是一种法律拟制性规定。那么结合网络钓鱼的本质,利用钓鱼网站窃取信用卡信息资料,并通过互联网进行使用的行为,符合“盗窃信用卡并使用”的行为,应论以盗窃罪。希望通过全文的分析,能够抛砖引玉,引起更多的人关注这一类案件,杜绝同案不同判的现象,不再简单地将其归为“电信诈骗”而论以“诈骗罪”,从而有效打击此类危害性极其严重的网络犯罪。
[Abstract]:Our citizens are suffering from the serious harm of telecom fraud. Telecommunications fraud cases are not only high incidence, but also update quickly, damage citizens' property rights and interests, encroach on citizens' privacy, and have serious social harmfulness. Among them, Compared with other types of telecom fraud, phishing activities, which frequently occur in the world, have the characteristics of global, fast spread and great harm. These phishing websites used for crime seriously affect the development of online financial services and electronic commerce. Reduce the trust degree of citizen to Internet information. The crime of phishing website in our country usually is to use phishing website to steal the information such as the account number password of victim's online bank account (credit card information information, reuse). This information is authenticated by the online bank, This paper lists the different judgment viewpoints of this kind of cases through the way of case introduction. In judicial practice, there are different problems in the same case of using phishing website to steal credit card information and use behavior. In practice, there is a great dispute on the qualitative nature of the behavior in this criminal model, and there is theft. There are three kinds of judgment opinions on the crime of credit card fraud and the crime of fraud, and there are some conflicts between the judicial interpretation and the articles of criminal law on which the different judgments are based. Firstly, this paper makes it clear that the essence of phishing is identity theft. That is, to steal the personal information of the network user, the phishing website is a tool for phishing, its function is to steal the identity authentication information of the victim's financial account (credit card information information, online bank account user name, Password and password etc. And credit card information information is the existence form of credit card in the network world. In the era of electronic payment, the effect of using credit card information information is basically the same as that of credit card. Secondly, the difference between the crime of fraud and the crime of theft lies in the existence of disciplinary action and the origin of the crime of credit card fraud in our country. Behavior pattern, the qualitative problem of "stealing credit card and using it". Through the analysis of the behavior pattern and the deep discussion of the related charges, try to study the "use of fishing website to steal credit card information information and then transfer it" on the internet. "falsely using other people's credit cards" is a kind of behavior pattern of credit card fraud. According to the provisions of the third paragraph of Article 196th of the Criminal Law of our country, the act of fraudulent use of credit cards after the theft of credit cards is discussed. This is a kind of fictitious regulation of law. Then combining the essence of phishing, The behavior of using fishing websites to steal credit card information and use it through the Internet is in line with the act of "stealing credit cards and using them." More and more people pay attention to this kind of cases, put an end to the phenomenon of different judgments in the same case, and no longer simply classify it as "telecom fraud" as "fraud crime", thus effectively crack down on this kind of extremely serious network crime.
【学位授予单位】：吉林大学
【学位级别】：硕士
【学位授予年份】：2017
【分类号】：D924.3

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