English  |  正體中文  |  简体中文  |  Post-Print筆數 : 27 |  Items with full text/Total items : 112871/143842 (78%)
Visitors : 49940779      Online Users : 785
RC Version 6.0 © Powered By DSPACE, MIT. Enhanced by NTU Library IR team.
Scope Tips:
  • please add "double quotation mark" for query phrases to get precise results
  • please goto advance search for comprehansive author search
    •  Adv. Search
    Home ‧ Login ‧ Upload ‧ Help ‧ About ‧ Administer Goto mobile version
    政大機構典藏 > 法學院 > 期刊論文 >  Item 140.119/135017


    Please use this identifier to cite or link to this item: https://nccur.lib.nccu.edu.tw/handle/140.119/135017


    Title: 網路銀行第三人冒名轉帳之風險分配
    The Risk Distribution in the Case of Abusive Account Transactions by Third Person in Online Banking
    Authors: 呂彥彬
    Lu, Yen-Pin
    Contributors: 法學院
    Keywords: 網路銀行;支付服務;匯款轉帳;網路釣魚;網址嫁接;中間人攻擊;信賴保護;債權之準占有人
    Online Banking;Payment Service;Credit Transfer;Phishing;Pharming;Man-In-The-Middle Attack;Reliance Protection;Quasi Possessor of Claim
    Date: 2018-11
    Issue Date: 2021-05-21 11:18:06 (UTC+8)
    Abstract: 本研究之目的在於探討網路銀行之第三人冒名轉帳之風險究應如何合理分配之問題。本文首先說明匯款轉帳所涉及之多人法律關係，並分析網路銀行冒名轉帳之可能的類型態樣，尤其重要者，乃基於網路攻擊（例如網路釣魚、網址嫁接、中間人攻擊等）所生之冒用型態。而就第三人冒名轉帳之風險分配，本文得到以下結論：第一，民法委任契約一節中之民法第546條第1項規定應係冒用風險分配之基本原則。第二，實務上常援引作為風險分配之民法第310條第2款規定，本文認為應重新檢討其要件，並應限縮其適用範圍。第三，帳戶所有人（網路銀行使用者）於接受網路銀行服務時，應負有一定保護義務，而於其因可歸責於已之事由違反該義務並致銀行受有損害時，須對銀行負損害賠償責任。最後，本文於結論亦提出若干立法上之建議。
    The Aim of this study is to discuss the risk distribution in the case of abusive account transactions by third person in Online-Banking. In the first part, this study analyzes legal relationship between the participant in the credit transfer and various forms of abusive account transactions by third person in Online-Banking, such as Internet attacks e.g., Phishing, Pharming and Man-in-the-middle attack. With regard to the issue of the risk distribution in event of abusive account transactions by third person, this study get the following conclusions: 1. The first paragraph of Art. 546 Civil Code in mandate relationship can be regarded as the principle of risk distribute. 2. In contrast to practical opinion Art. 310(2) Civil Code is to be applied strictly. 3. When the account owner, who participates in Online-Banking transactions, violates the collateral obligation, the bank is entitled to claim damages. In the last place, this study points out a number of legislation suggestions.
    Relation: 興大法學, No.24, pp.133-204
    DOI 連結: http://dx.doi.org/10.3966/199516202018110024003
    DOI: 10.3966/199516202018110024003
    Appears in Collections:[法學院] 期刊論文

    Files in This Item:

    File Description SizeFormat
    399.pdf354KbAdobe PDF2136View/Open


    All items in 政大典藏 are protected by copyright, with all rights reserved.


    社群 sharing

    著作權政策宣告 Copyright Announcement
    1.本網站之數位內容為國立政治大學所收錄之機構典藏，無償提供學術研究與公眾教育等公益性使用，惟仍請適度，合理使用本網站之內容，以尊重著作權人之權益。商業上之利用，則請先取得著作權人之授權。
    The digital content of this website is part of National Chengchi University Institutional Repository. It provides free access to academic research and public education for non-commercial use. Please utilize it in a proper and reasonable manner and respect the rights of copyright owners. For commercial use, please obtain authorization from the copyright owner in advance.

    2.本網站之製作，已盡力防止侵害著作權人之權益，如仍發現本網站之數位內容有侵害著作權人權益情事者，請權利人通知本網站維護人員(nccur@nccu.edu.tw)，維護人員將立即採取移除該數位著作等補救措施。
    NCCU Institutional Repository is made to protect the interests of copyright owners. If you believe that any material on the website infringes copyright, please contact our staff(nccur@nccu.edu.tw). We will remove the work from the repository and investigate your claim.
    DSpace Software Copyright © 2002-2004  MIT &  Hewlett-Packard  /   Enhanced by   NTU Library IR team Copyright ©   - Feedback