@techreport{oai:ipsj.ixsq.nii.ac.jp:00209404,
 author = {板倉, 陽一郎 and 間形, 文彦 and 藤村, 明子 and 亀石, 久美子 and Yoichiro, Itakura and Fumihiko, Magata and Akiko, Fujimura and Kumiko, Kameishi},
 issue = {8},
 month = {Feb},
 note = {預貯金の過誤払被害については，伝統的に民法 478 条（債権の準占有者への弁済）の法理が適用されてきたが，近年は，QR コード決裁事業者や，仮想通貨交換所などにおける不正送金被害が問題となってきている．これらは，預貯金の過誤払被害と比して，消費者保護の仕組みも整っておらず，本人確認方法についても一律ではない．他方，インターネット上の金融関係サービスにおいては，本人確認に関し，登録された ID とパスワードの利用については本人の利用とみなすという条項（本人みなし条項）がおかれることが通常である．本発表では，インターネット上の金融関係サービスにおける本人確認義務について，預貯金の過誤払被害等の伝統的な法理と比較して，考察する他，本人みなし条項の有効性についても検討する．, Although the law of Article 478 of the Civil Code (repayment to the quasi-possessor of the claim) has traditionally been applied to damage caused by overpayment of savings, in recent years, damage caused by fraudulent remittances at QR code settlement businesses and virtual currency exchanges has become an issue. In recent years, however, fraudulent remittances at QR code settlement businesses and virtual currency exchanges have become a problem. Compared to the damage caused by overpayment of savings, these cases lack a consumer protection system and a uniform method of identification. On the other hand, financial services on the Internet usually have a clause regarding identity verification, which states that the use of a registered ID and password is deemed to be the use of the individual (deemed-identified clause). In this presentation, I will discuss the obligation to verify the identity of the user in financial services on the Internet in comparison with traditional legal principles such as the damage caused by the overpayment of savings, and also examine the validity of the deemed-user clause.},
 title = {インターネット上の金融関係サービスにおける本人確認義務及び本人みなし条項の民事的考察},
 year = {2021}
}