تازه های تحقیق
عنوان مقاله [English]
Electronic transaction means any exchange of funds where, at least, one operation is conducted using electronic means. In these transactions, although the customer demands transaction to Transferring bank, but the electronic transaction part are doing by Clearing House or Intermediary bank. It concepts that Clearing House has not direct relationship with customer, consequently, the question arises that if damages caused by him, Is he liable against customer?
It seems that the clearing house’s liability against its customers is a type of professional liability with a dual state that is a combination of contractual and civil liability named it “legal basis” that is composed of civil and contractual liability. In addition, the liability of clearing house is strict and the mere reference of damage to him leads to its liability and it is only through proof by the force major can be exempted from liability. Attending to clearing house obligate the part of transaction mere and other part of transaction undertake by transferring and transferred bank, consequently, in loss claim action, the customer should prove that damage refer to clearing house.