本文選題：支付寶　切入點(diǎn)：轉(zhuǎn)賬　出處：《湘潭大學(xué)》2017年碩士論文

【摘要】：拾得手機(jī)后使用支付寶轉(zhuǎn)賬行為是指行為人在公共場(chǎng)所內(nèi)拾到他人手機(jī)后不需要破譯賬號(hào)密碼使用權(quán)利主體的手機(jī)設(shè)定的支付寶獲取他人財(cái)物的行為,或采取枚舉攻擊的方式破譯他人支付寶賬號(hào)密碼及支付密碼轉(zhuǎn)走他人財(cái)物的行為。關(guān)于拾得手機(jī)后使用支付寶轉(zhuǎn)賬行為的定性國(guó)內(nèi)外刑法學(xué)界存在眾多不同學(xué)說(shuō),這些學(xué)說(shuō)觀點(diǎn)表面看來(lái)似乎都有一定的道理,但事實(shí)上還是存在不少可商榷的地方。關(guān)于拾得手機(jī)后不需要破譯支付寶密碼的使用支付寶轉(zhuǎn)賬行為的定性有四種代表性學(xué)說(shuō):盜竊說(shuō)認(rèn)為行為人在權(quán)利主體不知情的情況下竊取了權(quán)利主體的財(cái)物,符合秘密竊取的情形,但該學(xué)說(shuō)忽視了支付寶網(wǎng)絡(luò)公司作出了處分行為;侵占說(shuō)認(rèn)為行為人合法占有權(quán)利主體手機(jī)設(shè)定的支付寶內(nèi)財(cái)產(chǎn)后產(chǎn)生非法占有的目的,但該學(xué)說(shuō)忽視了行為人拾得手機(jī)不等于占有了權(quán)利主體手機(jī)設(shè)定的支付寶內(nèi)財(cái)產(chǎn);信用卡詐騙說(shuō)認(rèn)為該行為不僅侵害了權(quán)利主體的財(cái)產(chǎn)權(quán),也侵害了信用卡管理秩序,但該學(xué)說(shuō)將支付寶等同于信用卡的話有不當(dāng)擴(kuò)大解釋之嫌;詐騙說(shuō)認(rèn)為行為人的行為構(gòu)成了三角詐騙,但該觀點(diǎn)忽略了行為人拾得手機(jī)后使用權(quán)利主體手機(jī)設(shè)定的支付寶綁定銀行卡項(xiàng)下資金的情形,該情形中涉及到了信用卡的問(wèn)題。筆者認(rèn)為,應(yīng)根據(jù)具體情形來(lái)認(rèn)定:拾得他人手機(jī)后使用他人支付寶直接轉(zhuǎn)走支付寶項(xiàng)下資金的行為,宜認(rèn)定為詐騙罪,而轉(zhuǎn)走綁定銀行卡項(xiàng)下資金的行為,應(yīng)定性為信用卡詐騙罪。關(guān)于拾得手機(jī)后需要破譯支付寶密碼的使用支付寶轉(zhuǎn)賬行為的定性有兩種代表性學(xué)說(shuō):盜竊說(shuō)認(rèn)為采取破譯他人支付寶密碼的手段來(lái)獲取他人財(cái)物,充分體現(xiàn)了其非法占有的目的及秘密竊取的手段,該學(xué)說(shuō)有可取之處;詐騙說(shuō)認(rèn)定行為人冒用他人支付寶行為吸收破譯他人支付寶密碼的行為,該學(xué)說(shuō)的偏頗之處在于沒(méi)有認(rèn)識(shí)到應(yīng)該單獨(dú)評(píng)價(jià)竊取他人支付寶賬戶密碼的行為,這與冒用他人支付寶的行為是不能作等同評(píng)價(jià)的。因而,行為人拾得他人手機(jī)后需要破譯支付寶密碼使用支付寶轉(zhuǎn)賬的行為,宜認(rèn)定為盜竊罪。
[Abstract]:The act of using Alipay after picking up a mobile phone refers to the act of obtaining other people's property by the doer who does not need to break the password of the account number and use the mobile phone set by the subject of the right after picking up the mobile phone of another person in a public place,Or by enumerating attacks to decipher the password of other people's Alipay account and transfer other people's property by payment password.There are many different theories in the field of criminal law at home and abroad about the nature of using Alipay to transfer money after picking up the mobile phone. On the surface, these theories seem to have some truth, but in fact there are still many places to discuss.There are four representative theories about the use of Alipay password after picking up the mobile phone: thefts believe that the perpetrator stole the property of the right subject without the knowledge of the subject.It is consistent with the situation of secret theft, but the theory ignores that Alipay Network Company has made a disciplinary act; it believes that the person who legally occupies the property in Alipay set by the subject of the right cell phone produces the purpose of illegal possession.However, the theory ignores that the person who picked up the mobile phone does not equal to the possession of the property in Alipay set by the mobile phone of the right subject; the credit card fraud theory believes that this behavior not only infringes the property rights of the subject, but also infringes on the order of credit card management.However, the theory that Alipay is equated with credit card is an improper expansion of the interpretation; the fraud theory believes that the behavior of the perpetrator constitutes triangular fraud.However, this view ignores the situation that the actor picks up the mobile phone and uses the Alipay set by the subject of the right cell phone to bind the funds under the bank card, which involves the problem of credit card.The author believes that it should be determined according to the specific circumstances: the behavior of using other people's Alipay directly to transfer the funds under Alipay after picking up other people's mobile phones should be regarded as the crime of fraud, and the behavior of transferring the funds bound to bank cards should be considered as the crime of fraud.Credit card fraud should be qualified as crime.There are two representative theories about the use of Alipay password after picking up a mobile phone: thefts believe that the method of breaking other people's Alipay password is used to obtain other people's property.It fully embodies the purpose of its illegal possession and the means of secret theft, and the theory has its merits; the fraud theory determines that the perpetrator absorbs and deciphers the password of other people's Alipay by falsely using other people's Alipay behavior.The bias of this theory lies in the fact that it is not recognized that the act of stealing the password of other people's Alipay account should be evaluated separately, which cannot be equated with the act of falsely using other people's Alipay.Therefore, the behavior that the actor needs to break Alipay password and use Alipay transfer after picking up other people's mobile phone should be regarded as theft.
【學(xué)位授予單位】：湘潭大學(xué)
【學(xué)位級(jí)別】：碩士
【學(xué)位授予年份】：2017
【分類號(hào)】：D924.3

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