[국제무역결제] 신 국제결제시스템으로서 전자자금이체에서의 고객의 보호에 관한 연구-미국과 캐나다의 제도의 비교연구-

A Study on Customer Protection in the Electronic Funds Transfers as a Cross-Border Payment System

I did a comparative study on the Protection of Customer in the Electronic Funds Transfers between America and Canada. For this purpose, I used the theoretical method as a tool of study. As the result, I have come to 5 conclusions to improve this situation; First, regarding unauthorized transfers, a customer liability has to a only negligence in the failure to read bank statement and advise to the [mandaI institution of a known unauthorized transfer. Second, to effectively govern the customer, It is a necessary to distinguish apparent authority and actual authority. Third, a customer is liable for the amount of all authorized transfers as well as of fraudulent transfers where he or she knew or took part in the fraud. Fourth, to charge the customer with liability so as to be entitled to debit his account with the amount of an electronic funds transfer, the financial institution must prove an authorized transfers and supplies all material details of transfer. Fifth, a customer who denies a transfer was authorized notwithstanding proper proof as to verification is required to fully co-operate with the financial institution, in good faith, disclose all relevant information and assist investigation.