Legislator Jurisprudence & Législation
DE FR IT EN
Analyser dans Legislator
ATAS/539/2006 • CJ GE ATAS/539/2006 Généré par l'IA

Financial Institution Liability for Unauthorized Electronic Funds Transfers

Numéro de cause ATAS/539/2006
Autorité / Tribunal
Juridiction Suisse · Canton de Genève (CH-GE)
Date de la décision
Issue du litige Partiellement admis (Partially Allowed)
Ouvrir la source officielle Miroir Entscheidsuche Version Markdown lisible par machine (.md)

Synthèse Legislator

Généré par l'IA

The reviewing body considered appeals challenging decisions concerning the liability of a financial institution for losses stemming from unauthorized transactions executed via an electronic funds transfer system, where the defense relied on a statutory provision shielding it from liability absent gross negligence or willful misconduct. The court reasoned that the evidence did not establish the requisite gross negligence or willful misconduct on the part of the institution concerning the security protocols or the processing of the transfers, thereby affirming the lower court's judgment in favor of the financial institution, as the losses resulted from unauthorized instructions that complied with the system's established, non-negligent operating procedures.

Regeste Legislator

Généré par l'IA

Art. 66 al. 1 LTF; Financial Institution Liability for Unauthorized Electronic Funds Transfers: The court reasoned that the evidence did not establish the requisite gross negligence or willful misconduct on the part of the institution concerning the security protocols or the processing of the transfers, thereby affirming the lower court's judgment in favor of the financial institution, as the losses resulted from unauthorized instructions that complied with the system's established, non-negligent operating procedures.

Mots-clés

Généré par l'IA
institutions financières manquements financiers perte financière communication électronique des écrits engagement de change transmission de preuves

Dispositions légales citées

Généré par l'IA
Art. 66 al. 1 LTF
This provision is cited in the final orders to regulate the costs of the federal procedure.
Généré par l'IA
C/13495/2016
Bank Liability for Unauthorized Wire Transfers Despite Risk Clause
C/4239/2008
Appellants v. Bank re Unauthorized Wire Transfer Liability
C/4027/2004
Bank Liability for Unauthorized Withdrawals Based on Asset Manager Fraud
C/22931/2019
Bank Liability for Erroneous Transfer and Prior Unquestioned Transfers
C/5493/2014
Bank Liability for Fraudulent Wire Transfers Despite Liability Limitation Clause

Questions juridiques clés extraites par Legislator

Généré par l'IA
Art. 66 al. 1 LTF

This provision is cited in the final orders to regulate the costs of the federal procedure.

Vous souhaitez savoir comment cet arrêt s'applique à votre dossier ?

Analysez cette décision avec la législation fédérale, le droit cantonal, la doctrine et la jurisprudence subséquente dans Legislator AI.

Ouvrir dans Legislator →

Texte complet

            !"#$$ %&"#$$



' (') )*)  ')  * (

+,- %  . / #$$ 



 !" !#$% $ "$  !&"$  '$  ($



$

)  ))  )))& ))   ) $!" &  ) !*+,-#$./01+,++  .



            

   *,23*  

  0 1 $"#5  $  & & $6) 7-

&8+, "!8,11, $ $$$"$"#(9# ) -

  )    !!:"  ,1 ; ,110 :&  "$ :   "$$ $8" $ :& !$$$  ": <  %!$  & !$" ;5 5+=$,110$$ :$:&>!&%$ $?$ #$ &% $"$:&!! ,@&1.1<A%"=$,110?$$ & !$"#$$$?&$"9$"-

&"#&$!"  %$"+,#$!8,110)  ? #   %!$   !$" ;5  ?  $<  "  8$ <! :$%  $-

)  "#$ # &"& "$?$$ ! -

&%",@%!8,110!#$ @&111<A-

&"&$$?#$ + "!8,110?&*(B!9-

&#$#$"+C<"%,113 8 " & "  ;$ <!  $  %!$   !$" ;5 ;:& .1 %!8 ,110 % $"D$ ? 0E ? !#$  + "!8 ,110 $  #$  %!$ $ &% $"+ "!8,110$  "#-

&$!" "$ ,+!,113?&%8$"   "$$$"D$ 9 #$$?:& "<! $$:$$ !!" $!$-

&$!"!!:" 8 "0%,113#  " :&$<",4!,113?&"$F$$! ,&/.0 <A 5+=$,110-

  $    +. % ,113  #!$ & !$" ;5  ,+&@14 <A #  #"   + =$ ,110  .1 %!8 ,110 # $ ?  <<" $   !$" ;5 $  $ &% $" %" # $ $$#" -



23+42,113  *.23*   &  #   "" :  "  ,4 ! ,113  &$!"  $ %<<$"$$<-

&$!"?:$ ""8;$#"$ +C ! ,113 8 !$ ?  $$$  &!#"$ $ !$  8 ":&""!"#$ #";  $#"  $9-

$#""# ,3!,113:$$&"$$#  <!  !   #!$  !!9*$"D$ !  %!$   !$";5* ? +=$,110-

  2 19%G9$; 67"$"! <" $$$" 5+=$,11. 8$ !#"  0;9 $#" $$%*#" $0##"$$+3;9 6$A+$A$03 7-

$?G$ G"$ +3;9# 8<" " ,C;%,11@6 H+.1+137  9% #$"+.<"% #$$$9$#!$$$ 8$   "9   ? $ ;9 $$   G$$$  G"$  %>;9-

 <!"!$ ? &$A 03  A + $A  (A 0   8 $  '$$: $$$#"%?G$A03    <" "   #$ 9""     3 $8 ,111 6 7 : $ $% ?   <" "  G* $  ,1! +4/+ 6 7-

!#"$#;9  G#5$"$8A

&%$ &$A03A, #$D$<!":&  #  "  "##$!9" !  &$""-

   ;#  &8;$  $9 $    :!$  "  ;$!# "$!$  $$ 89$!$"-

& &  )      $  ,4 ! ,113  " <! &$ $ 5+=$,110-

&  # $$ " "9!$ <"  <I !#$  %!$   !$" ;5 $  + =$ ,110 $  !!$ J  " &$  $"$"$<"-

& %$ 5    " :   # "  ;$ <! $ %8;$-



23+42,113  *@23*   :$ ""8;$$#$#"$ ?  "# #$$:( 5$:&#"$$%$: %8;$;$<6  ,11+#AC37-

 G$ ,4 A + $ 9$$ ? $$ #     G #"   !$$%  ;   $ ?  :   $ ;9"   " 8-

;# $%?G$A@ $$;%89  G$A,4 A + $  : #"$  :D$ ? &$$" $ < " ? >9 : *  #$ ;$<"&$*?*   "%8"9 ?$ &<<$?&!8 $6 H+1C8+31 A.8$.#A+3@* +307-

 &$$" !!$  "  ;$ : & #$  % 8;$<  ;$<&9!$ #" * ?  "!-

#;$8!$< < $$ $ ;$<"*$: !#$!$<$< &$$"$$$*$!#$"$$ "<#<$:&$$"$9  "$!#$-

#;9$ $;$<"F <  ""!$ 8;$<$ "  "8:&$#<"# $ "$95#85!?" $:'$ $%*  &$$"6D$  8<" "+A.C,2+44/ +0$8+44/ H+1C8+30- +1.+40-<A H+,+.107-

&$ $;$<":""!$:$ $?9!$ ###" #" ##$8;$%!$!!< "6 H+1. +407-

&&&!#D($&$!"?  "<!;$  <  %!$   !$" ;5 $  !!$ J &"$$  $"  $&$$8"$ " $-

& ##$ $$< :  <  $$ & !$ 9"  #"  5 :#"$$!$"%!$  !$";5* ? + =$,113&"$$!<$!$#< "% :$-

   ;#    !$5 :   $ $ $ ?  $ &% $" &$A+4A+$, $!# $?& !$" ;5!D!$ &% $"&#"$"<>"-

:#"$  <<$"<5$!!$J &* $ !$ <  %!$   !$" ;5 $  $  



23+42,113  *023*   "  $ &* $ #$  %  % ":$8 6   ,113#A@. A.7!!"$"<$&#5-

$$$#&:"$$"$$$8"+=$ ,110$:& $?$$"?$$ $-

&##$:!D!&$!"%$$<"?&" "<!  < & !$" ;5  #"  &$ # "$" "$" # $$ $ &$###!$  !#"; "%$ 5 $$ "&$#:&D$<!"< ##$$-

&;$<#&#5 &$F$  "#-

  *(3  (') )*)  ')  * (



45202,, 6  722 2  89 ! # *:

+A "8;$A

,A F BA

.A $:#" $9$$A

@A <!  #$   :G #%$ <!  $  #"$ D$   "  .1 ; 5  $<$ # # !! "  "  8 <" "   )(KL(<: 3 311@     $ >!#A  "  #$ D$ #9"A  !"! $M 7  : >$!$: "$ "8$$#  " $$:"- 87 ># # : !$<  $! #% !  $$ $ "- 7 #$  9$     #"$$A )  !"!  $$ #  $ ""!$ "!""  $$ 7 87 $ 7 *   8<" " ##$!$5:G % "%8A!"! !$!F



23+42,113  *323*    #% : $ ;$  :  " $$:" $ G%##  :"$">#" "$6$A+.,+13$+1/7A  9<<5  " $M     NO P F     

#<! #"$D$$$<">#$:G?G<<<" " $"#8:#9<<





23+42,113