지원사업
학술연구/단체지원/교육 등 연구자 활동을 지속하도록 DBpia가 지원하고 있어요.
커뮤니티
연구자들이 자신의 연구와 전문성을 널리 알리고, 새로운 협력의 기회를 만들 수 있는 네트워킹 공간이에요.
초록· 키워드
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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 financial 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.
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