非法转移第三方平台资金行为的刑法规制——以新型支付方式中的预设的同意为视角

Criminal Law Regulation of Illegal Transfer of Funds from the Third Party Platform:From the Perspective of the Preset Consent in the New Type Payment

行为人取得财产是否获得占有主体的同意,能够有效解决新型支付方式侵占行为中“盗骗交织”的困境。运用“预设的同意”处理财产犯罪,关键在于判断同意(占有)主体以及同意条件的范围。第三方支付平台资金可分为账户内资金和账户绑定的银行卡资金,根据占有的事实支配,前者属于第三方支付机构占有,后者属于银行占有。占有主体的同意是客观的,体现在程序的身份识别规则中。“取款人身份”不属于同意条件,应认为是同意的动机。冒用他人第三方支付账户转移资金的行为属于诈骗行为,根据不同的资金性质成立不同的诈骗类犯罪。

Whether the defendant could obtain the consent of the possessor or not when he obtains the property can effectively solve the dilemma of“theft and fraud”in the new payment method of property infringement.The key of applying the theory of the“preset consent”to solve property crimes is to determine the subject of consent and the scope of consent conditions.The funds of the third party payment platform can be divided into the funds in the account and the bank card funds bound to the account.According to the theory of the fact domination of possession,the former funds belong to the third party payment institution,the latter funds belong to the bank.The consent of the possessor is objective,which embodied in the identification rules of the program.The“identity of the withdrawer”dose not belong to the condition of consent and should be regarded as the motive of consent.The act transferring funds by using other’s third party payment accounts is fraud.According to the nature of different funds,different types of fraud crimes will be established.