中国法律知识资源总库论文库_期刊

论新型支付方式下网络侵财犯罪的定性

【作者】 刘宪权

【Author】 LIU Xianquan;

【机构】 华东政法大学

【摘要】 新型支付方式主要是以手机银行支付与第三方支付为代表的网络移动支付。新型支付方式下网络侵财犯罪与传统侵财犯罪的刑法规制和惩罚的思路并无二致。司法实践中主要有盗窃罪、诈骗罪、信用卡诈骗罪三种观点。新型支付方式的实质是新型信用卡支付方式。新型支付方式账户内的数字化财物可以直接作为侵财犯罪的对象。新型支付平台其本质是"机器人",可以成为诈骗类犯罪的对象,新型支付方式下网络侵财犯罪的重要特征不是"账户资金被盗"而是"机器人"被骗。对于新型支付方式下盗骗交织型侵财犯罪案件的定性应以信用卡诈骗罪定性。"窃取他人信用卡信息资料并通过互联网、通讯终端使用"是对"盗窃信用卡并使用"的最新注解,立法上适时作出调整已十分必要。

【Abstract】 Mobile banking payment and third-party payment are the representatives of network mobile payment,which are included in the new payment mode.There is no differences of criminal regulation and punishment between cybercrime against property under the new payment mode and traditional property crime.In judicial practice,there are three main viewpoints:larceny,crime of fraud and crime of credit card fraud.The essence of the new payment mode is the new credit card payment.The digital property in the new payment account can be taken as the object of the property crime directly.The essence of the new payment platform is "robot",which can be the object of crime of fraud.The important feature of the cybercrime against property is not "account funds stolen" but "robot" cheated.Stealing and fraud interleaved usurpation of criminal cases under the new payment mode should be characterized by crime of credit card fraud. " Stealing other people’s credit card information and using them via the Internet and communications terminals" is the latest annotation of "stealing credit cards and using them".It is necessary to make timely adjustments in legislation.

【基金】 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”(项目编号14ZDB147);中国法学会重点委托课题“互联网金融犯罪的法律规制”(项目编号CLS2016ZDWT48)的阶段性研究成果
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