移动支付视域下非法转移信用卡内资金的法律思考

Legal Thoughts on Illegal Transfer of Funds in Credit Card from the Perspective of Mobile Payment

在一键转账、一点即转的当下,以手机支付为代表的移动支付成为了用户流转线上货币的重要媒介之一。但伴随而来的安全问题却正在凸显。涉及利用手机内嵌的支付平台非法转移信用卡内资金的行案、刑案频发。在公安机关查处类案的过程中,需要对涉案定性、适用法律等问题给予规范判断。应聚焦于解决上述行为在涉案定性、适用法律等层面存在的主要争议,完善刑行衔接的处理机制,以期对实务操作起到参考借鉴的指导作用。

In the era of one-click transfer,mobile payment has become one of the important media for users to transfer online currency.However,the accompanying security problems are becoming more prominent.Cases on illegal transfer of funds in credit cards by using embedded platform in mobile phone are frequent.In the course of investigating and dealing with such cases,the public security organs need to make a standard judgment on the nature and applicable laws of the case.The article focused on resolving the main disputes in the above-mentioned behaviors in terms of the case nature and applicable laws,and improving the mechanism of the connection between criminal justice and administrative enforcement,so as to play a guiding role for the practice.