ZIMAN AND CIVIL LIABILITY FOR AUTHENTICATED AND UNAUTHORIZED ELECTRONIC FUNDS TRANSFER

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DEYLAMI AHMAD; FIROUZBAKHT FAHIMEH

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Journal Paper

Paper Information

Journal: Islamic jurisprudence Resaerch Year:2017 | Volume:13 | Issue:2 Page(s): 243-264

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Information Journal Paper

Title

ZIMAN AND CIVIL LIABILITY FOR AUTHENTICATED AND UNAUTHORIZED ELECTRONIC FUNDS TRANSFER

Author(s)

DEYLAMI AHMAD | FIROUZBAKHT FAHIMEH | Issue Writer Certificate

Keywords

ATTORNEYSHIPQ1

DELEGATIONQ1

LEGAL BASISQ1

PARLIAMENT MEMBERSHIPQ2

TYPOLOGYQ1

Abstract

An authenticated and unauthorized funds transfer is one of the most important risks in electronic banking. When an authenticated and unauthorized payment instruction is issued and the bank has no knowledge of the instruction being unauthorized, if that payment instruction has been recognized and confirmed in accordance with security procedures agreed upon with customer, the bank considers the instruction to be authentic and transfer the funds. Under such circumstances, does the bank or another person bear Ziman and civil liability? Depending on the payment method used for issuance of the payment instruction and whether the issuance of such instruction was due to the customer's fault or the bank's or neither, Ziman and liability for damages lies with the bank or the customer or both. This article reviews the concepts of authenticated and unauthorized payments, various categories of payment instructions based on authorization and authenticity, the LEGAL BASIS of civil liability and consequences of breach of duty under the Iranian law and the U.C.C. The authors believe that in the case of authenticated and unauthorized payments, in principle when the customer has proven the unauthorized characteristic of the transfer, the bank shall bear the risk, unless it proves the customer's fault. Of course the customer should prove unauthorized transfer of the fund.

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APA: Copy

DEYLAMI, AHMAD, & FIROUZBAKHT, FAHIMEH. (2017). ZIMAN AND CIVIL LIABILITY FOR AUTHENTICATED AND UNAUTHORIZED ELECTRONIC FUNDS TRANSFER. ISLAMIC JURISPRUDENCE RESEARCH, 13(2 ), 243-264. SID. https://sid.ir/paper/220992/en

Vancouver: Copy

DEYLAMI AHMAD, FIROUZBAKHT FAHIMEH. ZIMAN AND CIVIL LIABILITY FOR AUTHENTICATED AND UNAUTHORIZED ELECTRONIC FUNDS TRANSFER. ISLAMIC JURISPRUDENCE RESEARCH[Internet]. 2017;13(2 ):243-264. Available from: https://sid.ir/paper/220992/en

IEEE: Copy

AHMAD DEYLAMI, and FAHIMEH FIROUZBAKHT, “ZIMAN AND CIVIL LIABILITY FOR AUTHENTICATED AND UNAUTHORIZED ELECTRONIC FUNDS TRANSFER,” ISLAMIC JURISPRUDENCE RESEARCH, vol. 13, no. 2 , pp. 243–264, 2017, [Online]. Available: https://sid.ir/paper/220992/en

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