涉第三方支付平台侵财行为的定性--以支付宝为例

Characterization of Third-Party Payment Platform Infringement--Taking Alipay as an Example

第三方支付平台的应用日渐广泛,随着现金使用率下降,侵财犯罪的形态也发生了相应的改变。以支付宝为例,转移他人支付宝账户中的余额和转移支付宝账户所绑定的银行卡内钱款在司法实践中可能会产生不同的定性。文章基于对现有理论的分析,在现有的法律架构之内,对第三方支付的行为模式及其定性进行辨析,探讨出相应结论:对于转移支付宝账户内余额的行为应定性为盗窃罪;而基于支付宝账户绑定银行卡时即获得了银行的授权,当发生行为人转移用户的银行卡内资金的情况时,应定性为信用卡诈骗罪。

The application of the third-party payment platforms is becoming more and more widespread.With the decline in the use of cash,the pattern of financial crimes has also changed accordingly.Taking Alipay as an example,transferring balances in other people’s Alipay accounts and transferring money in bank cards tied to Alipay accounts may have different qualitative characteristics in judicial practice.Based on the analysis of the existing theories,this paper analyzes the behavior pattern and the nature of the third party payment within the existing legal framework,and concludes that the behavior of transferring the balance in Alipay account should be classified as larceny.And when the bank account is tied to the Alipay account,it is authorized by the bank.When a person transfers funds in the bank card,it should be characterized as credit card fraud.