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Banker och Internet - särskilt om kundaktiverade betalningsinstruktioner

Johansson, Lennart LU (2006)
Abstract (Swedish)
Popular Abstract in Swedish

I avhandlingen behandlas de rättsregler som kan tillämpas när banker erbjuder kunder att kommunicera via Internet och lämna betalningsinstruktioner avseende kredittransfereringar på detta sätt. Den här typen av banktjänster benämns i avhandlingen Internet Banking. Betalningar och betalningsinstruktioner är inget nytt fenomen men i avhandlingen behandlas de utifrån ett elektroniskt perspektiv.



Ämnet för avhandlingen är bank-kund förhållandet utifrån ett svenskt perspektiv. I avhandlingen behandlas särskilt tre frågor. För det första, hur utformas den förmögenhetsrättsliga regleringen av betalningsinstruktioner? För det andra, hur är den förmögenhetsrättsliga regleringen av... (More)
Popular Abstract in Swedish

I avhandlingen behandlas de rättsregler som kan tillämpas när banker erbjuder kunder att kommunicera via Internet och lämna betalningsinstruktioner avseende kredittransfereringar på detta sätt. Den här typen av banktjänster benämns i avhandlingen Internet Banking. Betalningar och betalningsinstruktioner är inget nytt fenomen men i avhandlingen behandlas de utifrån ett elektroniskt perspektiv.



Ämnet för avhandlingen är bank-kund förhållandet utifrån ett svenskt perspektiv. I avhandlingen behandlas särskilt tre frågor. För det första, hur utformas den förmögenhetsrättsliga regleringen av betalningsinstruktioner? För det andra, hur är den förmögenhetsrättsliga regleringen av betalningsinstruktioner initierade via Internet utformad? För det tredje, har det någon rättslig betydelse att en betalningsavsändare på egen hand elektroniskt initierar kredittransfereringar i bankens dator? En övergripande fråga är huruvida en bank utsätter sig för en större risk när man tillåter att kommunikationen sker via Internet. (Less)
Abstract
This thesis deals with legal issues arisen from consumer-activated payment orders, regarding credit transfers, which are initiated via the Internet under an agreement (about using Internet-services) previously entered into between the bank and the payer (or the originator). This Internet-service is in the thesis called Internet banking. More and more customers, both consumers and others, activate such payment orders on-line. Payments or payment orders are not a new phenomenon but in the thesis they are dealt with from an electronic perspective.



The thesis? subject matter is the bank-customer relationship from a Swedish private law perspective. Three questions are of central concern for this thesis. Firstly, how is the... (More)
This thesis deals with legal issues arisen from consumer-activated payment orders, regarding credit transfers, which are initiated via the Internet under an agreement (about using Internet-services) previously entered into between the bank and the payer (or the originator). This Internet-service is in the thesis called Internet banking. More and more customers, both consumers and others, activate such payment orders on-line. Payments or payment orders are not a new phenomenon but in the thesis they are dealt with from an electronic perspective.



The thesis? subject matter is the bank-customer relationship from a Swedish private law perspective. Three questions are of central concern for this thesis. Firstly, how is the private law regulation regarding payment orders made? Secondly, what is the law of substance regarding payment orders initiated via the Internet? Finally, what legal implications, if any, occur when a payment order is initiated electronically via the Internet? The thesis examines different aspects of the bank-customer relationship. One aspect is, from a customer's point of view, the right to use Internet-services. Another aspect is payment by mistake but also the right of revocation or countermand. Yet another aspect is the bank's obligations as an intermediary as regards to payment orders. Furthermore, the thesis examines how to produce information generated electronically as evidence in a court of law. An overall question in the thesis is whether banks are subject to a higher degree of risk when using the Internet as a communication channel. In the thesis it is argued, the answer to that question is no. (Less)
Please use this url to cite or link to this publication:
author
supervisor
opponent
  • Associate Professor Millqvist, Göran, Stockholms universitet, Juridiska institutionen
organization
alternative title
Banks and the Internet - With Special Regard to Consumer-Activated Payment Orders
publishing date
type
Thesis
publication status
published
subject
keywords
bank-customer relationship, banking law, credit transfer, electronic proof, Internet, financial services, payment order, bankrätt
pages
392 pages
publisher
Iustus förlag
defense location
Pufendorfsalen, Juridiska institutionen (Tryckeriet), Lilla Gråbrödersgatan 3 C, Lund
defense date
2006-12-15 10:15
ISBN
91-7678-640-4
language
Swedish
LU publication?
yes
id
2ca73e6c-a3ab-438a-b03b-d5cbb82521c7 (old id 25609)
date added to LUP
2007-06-01 09:42:07
date last changed
2016-09-19 08:45:12
@phdthesis{2ca73e6c-a3ab-438a-b03b-d5cbb82521c7,
  abstract     = {This thesis deals with legal issues arisen from consumer-activated payment orders, regarding credit transfers, which are initiated via the Internet under an agreement (about using Internet-services) previously entered into between the bank and the payer (or the originator). This Internet-service is in the thesis called Internet banking. More and more customers, both consumers and others, activate such payment orders on-line. Payments or payment orders are not a new phenomenon but in the thesis they are dealt with from an electronic perspective.<br/><br>
<br/><br>
The thesis? subject matter is the bank-customer relationship from a Swedish private law perspective. Three questions are of central concern for this thesis. Firstly, how is the private law regulation regarding payment orders made? Secondly, what is the law of substance regarding payment orders initiated via the Internet? Finally, what legal implications, if any, occur when a payment order is initiated electronically via the Internet? The thesis examines different aspects of the bank-customer relationship. One aspect is, from a customer's point of view, the right to use Internet-services. Another aspect is payment by mistake but also the right of revocation or countermand. Yet another aspect is the bank's obligations as an intermediary as regards to payment orders. Furthermore, the thesis examines how to produce information generated electronically as evidence in a court of law. An overall question in the thesis is whether banks are subject to a higher degree of risk when using the Internet as a communication channel. In the thesis it is argued, the answer to that question is no.},
  author       = {Johansson, Lennart},
  isbn         = {91-7678-640-4},
  keyword      = {bank-customer relationship,banking law,credit transfer,electronic proof,Internet,financial services,payment order,bankrätt},
  language     = {swe},
  pages        = {392},
  publisher    = {Iustus förlag},
  school       = {Lund University},
  title        = {Banker och Internet - särskilt om kundaktiverade betalningsinstruktioner},
  year         = {2006},
}