第三方支付环境下网络侵财行为的性质研究

A Study on the Nature of Network Property Infringement in the Third Party Payment Environment

摘要: 第三方支付方式的诞生冲击网络侵财犯罪关于盗骗界分的基础学理，衍生出第三方支付平台能否被骗、是否属于信用卡、金融机构等问题，盗窃、诈骗类观点聚讼。本文通过对利用第三方支付方式实施的冒用型和注册、绑定型侵财行为的类型化研究，基于“用户预设同意 + 平台假定处分意思 = 拟制处分行为”提出第三方支付平台可以被骗的观点，根据竞合论将冒用型侵财行为界定为盗窃罪；注册、绑定型侵财行为属于非法获取信用卡信息资料并通过互联网、通讯终端使用，构成信用卡诈骗罪；冒用他人账户骗取第三方支付平台关联信贷资金行为构成合同诈骗罪或者贷款诈骗罪。

Abstract: The birth of third-party payment methods has impacted the basic theory of cyber-property crimes on the distinction between theft and fraud, and has led to questions about whether third-party payment platforms can be cheated, whether they belong to credit cards, financial institutions, and other issues. There have been heated debates on the views of theft and fraud. Through a typological study of the use of third-party payment methods to commit fraudulent use and registration and binding property crimes, this article proposes that third-party payment platforms can be cheated based on the “user’s preset consent + platform’s assumed disposition meaning = fictitious disposi-tion behavior”. According to the theory of concurrence, fraudulent use property crimes are defined as larceny; registration and binding property crimes belong to illegal acquisition of credit card information and use through the Internet and communication terminals, which constitute credit card fraud; fraudulent use of other people’s accounts to obtain credit funds associated with third-party payment platforms constitutes contract fraud or loan fraud.