thesis

Responsabilité du banquier et automatisation des paiements

Defense date:

Jan. 1, 1994

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Institution:

Montpellier 1

Disciplines:

Private law and criminal sciences

Authors:

Directors:

Abstract EN:

For economic r4asons, bank transfers have been very early suybmited to the accele= rating effect of "new information technologies" (data processing systems, telecommunications, telmatics. ) to what extent does this phenomenon create new risks and new liabilities for the banker having to cherck and to carry out a transfer order? this is the question that is addressed in the present study. The first part describes the various techniques characterizing automated payment systems and attempts to determine the legal regime applmicable to electronic funds transfers with reference to well known qualifications such as "virement" (giro tranfers), "mandat" (agency) and "delegation". (giro tranfers), "mandat" (agency) and "delegation". This rather theoretical approach givbes very few results as regards the banker's liability in automated payments systems. The second part of the study adopts a more pragmatical approach and inderlines, on the basis of various contractual agreements and courts decisions the legal consequences of automation in the relation between banks and between banks and their customers. Card payments, chek-truncation procedures and financial networks such as chips and swift are submitted to and in-depth analysis.

Abstract FR:

Pour des raisons de cout et d'efficacite, le secteur des paiements bancaires a ete tres tot un terrain privilegie pour l'introduction des nouvelles "techologies de l'information" (informatique, telecommunication, telematique). Dans quelle mesure l'automatisation des paiements bancaires cree-t-elle des res" ponsabilites nouvelles pour le banquier charge du controle et de l'execution d'un ordre de transfert? tel est dans les grandes lignes, l'objet de cet ouvrage. La premiere partie, apres avoir decrit les transformations affectuant les paiements bancaires, s'attache a la recherche du regime juridique applicable aux transferts electroniques de fonds par reference notamment aux qualiciations traditionnelle= ment proposees virement, mandat et delegation. Cette demarche assez abstraite fournit peu d'enseignements sur la responsabilite du banquier dans les services de paiement automatises. Dans la seconde parttie de l'ouvrage, on etude donc de facon plus inductive les consequences juridiques de l'automatisation des paiements dans les relations interbancaires (notamment dans des reseaux tels que swift ou chips) et dans les relations entre les banques et leurs clients tant en ce qui concerne le controle de l'ordre (authentification, opposition. . . ) que son execution.