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| 移动支付环境下侵犯财产犯罪的刑法规制
摘 要
互联网时代背景下的移动支付平台给人们的生活中带来了极大的便利，然而，在网络技术飞速发展的同时，犯罪分子也开始将目标转移向这种新型的支付方式，由此而产生了一些新的犯罪类型，再加上法律和相关司法解释对移动支付平台的相关犯罪暂时没有作出明确的规定，不仅导致了理论界的学者之间对该问题产生了较大分歧，而且还造成了在司法实践中针对于类犯罪行为由于没有统一的定性标准从而产生了同案不同判的现象，对司法公信力产生了一定的影响。因此，本文的研究对象是移动支付环境下侵犯财产犯罪行为的定性问题，希望能为理论研究和司法实践提供一定的帮助。本文主要分为三个部分：
首先，本文的第一部分主要讨论了移动支付的概念和定义。主要从移动支付历史沿革和发展历程以及它的相关概念和特征两个方面加以介绍。通过划分和归纳移动支付的方式，对普通网上银行的支付模式和新型移动智能终端的支付模式作出对比，然后进一步阐明移动支付领域的刑事风险现状，用具体数据来印证移动支付领域需要更完善的法律法规来保驾护航这一观点。
其次，本文的第二部分主要讨论了移动支付环境下侵犯财产犯罪行为的认定，梳理和分析了各观点之间差异，列举了学者们对移动支付环境下侵犯财产犯罪行为定性所持的不同观点以及相关理论基础。在焦点梳理部分，笔者首先明确了移动支付平台的性质，即移动支付平台属于非金融机构，然后，以移动支付平台账户内钱款的性质为研究对象，结合有关理论观点，对钱款的性质提出了自己的见解，从而为下文对此类侵犯财产犯罪行为的定性提供了有力的条件。
最后，本文的第三部分是移动支付环境下侵犯财产犯罪认定的理论基础以及对两种类型案件的具体认定。笔者从犯罪的主观要件和客观要件入手，对这种侵犯财产犯罪认定的基本原理进行了分析，然后结合具体案件类型对相关指控的具体确定，最后，笔者认为：直接从移动支付平台账户中窃取资金的行为应被视为盗窃罪，而窃取与移动支付平台绑定的信用卡账户中的资金的相关行为应被视为信用卡诈骗罪。
关键词：移动支付；盗窃罪；诈骗罪；信用卡诈骗罪
ABSTRACT
Internet era under the background of mobile payment platform, has brought great convenience to people's life, however,at the same time in the rapid development of network technology,criminals also began moving target to the new terms of payment,and some new crime type,coupled with the law and relevant judicial interpretations of mobile payment platform related crime had not make clear rules, not only resulted in the theoretical circle of scholars on the issue between the larger differences, but also caused a crime in the judicial practice in class because there is no unified standard of qualitative result in connection with different sentence, It has a certain influence on judicial credibility. Therefore, the research object of this paper is the qualitative problem of the criminal behavior of infringing property under the mobile payment environment, hoping to provide some help for theoretical research and judicial practice. This paper is mainly divided into three parts:
Firstly, the first part of this paper mainly discusses the concept and definition of mobile payment. It mainly introduces the history and development of mobilepayment as well as its related concepts and characteristics. Through classification and induction of mobile payment way,for the average Internet banking payment mode and new mobile intelligent terminal payment mode to make comparison,and then further clarify criminal risk present situation in the field of mobile payment, with specific data to confirm the mobile payments need to be more perfect laws and regulations to protect the idea.
Secondly, the second part of this paper mainly discusses the identification of criminal behavior of property infringement in the mobile payment environment,sorts out and analyzes the differences between different viewpoints,lists the different viewpoints held by scholars on the nature of criminal behavior of property infringement in the mobile payment environment and the relevant theoretical basis. Focus on carding part, the author first has been clear about the nature of the mobile payment platform, the mobile payment platform, belong to the non-financial institutions,and then, with the nature of the mobile payment platform account money as the research object, combined with relevant theory,put forward its own views on the nature of money, for below for such infringement of property crime qualitative provides powerful conditions.
Finally, the third part of this paper is the theoretical basis of theidentification of property infringement crimes under the mobile payment environment and the specific identification of the two types of cases. The author, from the perspective of the criminal's subjective factor and objective factor,for this kind of infringement of the basic principles of property crime cognizance is analyzed, and then combined with the concrete case type to specify the related charges,in the end, the author thinks that: directly from the behavior of the stolen moneyin mobile payment platform account should be seen as theft, stealing and mobile payment platform, binding of money in the credit card account related behavior should be seen as the crime of fraud of the credit card.
Keywords: Mobile payment; Larceny; Crime of fraud.Credit card fraud
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