新型支付方式下网络侵财类案件的认定——以一起支付宝侵财案件为视角

The Identification Of New Payment Modes on the Qualification of Internet Property Violation Crime——Taking the case of an internet invasion of wealth as a perspective

新型网络移动支付方式的风靡,使侵财犯罪自物理现实空间向网络虚拟空间逼近,为本就困难重重的侵财犯罪活动的认定再设障碍。司法实践中常见的认定通常有盗窃、诈骗与信用卡诈骗,具体到个案而言,在结合相关案情的同时,认定新型支付方式下的侵财犯罪需要把握该类案件的刑法规制和惩罚的思路,涉及到支付宝密码与绑定信用卡密码的关系、第三方支付平台账户余额与信用卡余额的关系以及新型网络侵财行为"秘密"进行与"公开"冒名的关系。此外,在相关案例中,更有必要将对于非法获取支付程序内用户资金行为的认定与对于非法获取与支付程序绑定的银行卡内资金行为的认定予以区分。

The new type of network mobile payment is popular, which makes the crime of invading money from physical reality space to the virtual space of the network. The common judicial practice that usually have fraud and theft and credit card fraud, specific to the case, in conjunction with the relevant case at the same time, identification of new mode of payment under the usurpation of crime need to grasp the case criminal regulation and punishment ideas related to Alipay code and bind a credit card password No. The rela-tionship between the balance of account balances of the three party payment platform and the credit card balance and the relationship between ＂secret＂ and ＂public＂ impersonation of the new network invasion behavior. In addition, in the relevant cases, it is more neces-sary to distinguish between the identification of the user ＇s fund behavior in the illegal acquisition payment procedure and the identifica-tion of the bank capital behavior in the bank which is bound to the illegal acquisition and payment procedure.