第三方支付模式下网络侵财的类型归结、界限厘清与路径选择

Internet Invasion of Money under the Third-Party Payment Model:Type Summary, Demarcation Clarification and Path Selection

通过对新型支付方式在不同支付领域的交易结构、法律关系等进行类型化梳理,可以将利用第三方支付平台非法取财的行为类型统一归结为“冒用”行为;对“冒用他人信用卡”立法条文的阐释是探讨利用新型支付方式进行网络侵财行为定性的逻辑起点,“冒用”行为无法满足盗窃罪“打破占有”的本质要求;“机器不能被骗”的法理在规范层面不宜作为盗窃与诈骗的界分点,通过对机器设置者所预设的实质交易条件的解读,能够证立诈骗罪的行为构造。

Through the typological organization of transaction structure and legal relationship of new payment methods in different payment fields, the types of illegal use of third-party payment platforms can be attributed to the“fraudulent use”. The interpretation of the legislative provisions for the“illegal use of others’ credit cards”is the logical starting point for determining the nature of Internet property infringement behavior since the illegal use does not meet the essential requirement of“depriving the rightful owner of the possession”in the larceny.Moreover, it is not appropriate for the legal principle that“machines cannot be deceived”to be used as the demarcation point between theft and fraud. Through the interpretation of the actual trading conditions preset by the machine installer, the behavioral structure of the crime of fraud can be justified.