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电子资金传送是金融电子化的重要方面。在其各个环节中,包括资金传送的申请人、申请人所在的银行、中介银行、受益人所在的银行都可能发生错误。一般来说,资金传送错误有三种类型:受令银行无法收到支付指令;受令银行没有及时履行或者不适当履行支付义务;受令银行错误地履行支付指令。在上述情形中,当事人之间的权利义务如何定位?损害赔偿责任如何承担?都是值得逐一深入细致探讨的法律问题。他山之石、可以攻玉。我们不妨来看看美国的案例:
Electronic funds transfer is an important aspect of financial electronics. In all aspects of the process, there may be mistakes made by applicants including the transfer of funds, the bank where the applicant is located, the intermediary bank, and the bank where the beneficiary is located. Generally speaking, there are three types of funds transfer errors: the ordered bank can not receive the payment order; the ordered bank fails to perform or improperly perform the payment obligation; and the ordered bank incorrectly performs the payment order. In the above situation, how to position the rights and obligations between the parties and how to bear the liability for damages? All are legal issues that deserve further and careful study one by one. Stones from other hills, can learn. Let’s take a look at the U.S. case: