新支付方式下网络钓鱼类诈骗定性研究

Qualitative research on phishing scam under new payment methods

新支付方式下的网络钓鱼类诈骗区分于传统的网络钓鱼诈骗,具有作案技术高、跨地域范围广等特点,其犯罪定性问题成为研究的热点。对利用第三方支付进行侵财犯罪案件的定性进行重点分析,厘清第三方支付平台"代收""代付"的性质,将第三方支付平台认定为"受骗者",从而明确利用网络钓鱼技术窃取用户信息后,利用第三方支付平台侵财行为是诈骗类型犯罪,并通过剖析第三方支付方式与信用卡支付方式之间的关系,最终将其认定为信用卡诈骗,有助于加强对该类犯罪的准确认识。

The phishing scam under new payment methods is distinguished from the traditional phishing scam,with the characteristics of high crime technology and wide geographical range.Its criminal qualitative problem has become a research hotspot.Focus on the analysis of conducting financial crimes by using a third-party payment.Clarify the nature of the“collection”and“payment”of the third-party payment platform,and identify the third-party payment platform as“the deceiver”,so as to clarify the fraud-type crime that invade the property through the third-party payment platform after using the phishing technology to steal user information,and ultimately identify it as credit card fraud by analyzing the relationship between third-party payment methods and credit card payment methods.