电子资金移转中的消费者保护问题-法学专业论文.docxVIP

PAGE PAGE 1 Abstract Electronic payment means the units and individuals, either directly or through another person authorized electronic payment terminals issued directives to achieve monetary payment and funds transfer act. Electronic payment by the type of electronic payment instructions initiated way into online payment, pay telephone, mobile payments, point-of-sale terminal transactions, ATMs and other electronic payment transactions. March 23, 2001, because banks do not comply with security procedures of the agreement led to Tomaz Mendes Regatos accounts in the unauthorized transfer of funds. August 9, 2001, Tomaz Mendes Regatos check their accumulated account statements when it is found out that the unauthorized transfer of funds, and require banks to compensate his losses. Banks and their customers provisions in the agreements signed, the client received or receive bank statements and other documents, the accounts once found any unusual circumstances, should inform the bank in fifteen day of this situation grounds for refusing the Tomaz Mendes Regatos demand compensation at the request of their lost funds. Finally, the Courts decision to support the plaintiffs claim, in favour of the final consumer, the consumer banking compensation unauthorized transfer of funds, and to clear the following two questions: UCC section 4-A-505, provided for in the notice Bank of the unauthorized transfer of funds during the year in addition to exclusion (period of repose) is not from the bank and its clients, which was revised by mutual agreement; UCC section 4-A-505 provided during the year in addition to exclusion and UCC section 4 -- A-204 (1) within a reasonable period starting points are not in line with bank customers received the actual notice of the funds transfer. This paper discusses the UCC 4A and EFTA for consumer protection in the system, including the following four areas: consumer banks enter into contracts with the notification obligation, safety procedures a