§ 4-406. CUSTOMER'S DUTY TO DISCOVER AND REPORT UNAUTHORIZED SIGNATURE OR ALTERATION.

　　消費(fèi)者發(fā)現(xiàn)并報(bào)告未授權(quán)的簽名或涂改的義務(wù).

　　(a) A bank that sends or makes available to a customer a statement of account showing payment of items for the account shall either return or make available to the customer the items paid or provide information in the statement of account sufficient to allow the customer reasonably to identify the items paid. The statement of account provides sufficient information if the item is described by item number, amount, and date of payment.

　　(b) If the items are not returned to the customer, the person retaining the items shall either retain the items or, if the items are destroyed, maintain the capacity to furnish legible copies of the items until the expiration of seven years after receipt of the items. A customer may request an item from the bank that paid the item, and that bank must provide in a reasonable time either the item or, if the item has been destroyed or is not otherwise obtainable, a legible copy of the item.

　　(a) 發(fā)送消費(fèi)者或使其可獲得說(shuō)明為該帳戶(hù)的項(xiàng)目的付款的對(duì)帳單的銀行，也應(yīng)當(dāng)退回或使該消費(fèi)者可獲得該被支付的項(xiàng)目或提供對(duì)帳單上的信息，足以允許該消費(fèi)者適當(dāng)?shù)卮_定該被支付的項(xiàng)目。對(duì)帳單提供充分的信息若該項(xiàng)目被規(guī)定通過(guò)項(xiàng)目編號(hào)、金額及出票日期。

　　(b) 若該項(xiàng)目不被退回給消費(fèi)者，保留該項(xiàng)目的人應(yīng)當(dāng)或者保留該項(xiàng)目，或者，若該項(xiàng)目被毀壞，維持提供該項(xiàng)目的清晰的復(fù)制件的能力在該項(xiàng)目的收到之后屆滿七年。消費(fèi)者可以從支付該項(xiàng)目的銀行要求一個(gè)項(xiàng)目，并且該銀行必須在合理的時(shí)間或者提供該項(xiàng)目，或者，若該項(xiàng)目已被毀壞或由于其他原因不可得到，則提供該項(xiàng)目的清晰的復(fù)制件。

　　(c) If a bank sends or makes available a statement of account or items pursuant to subsection (a), the customer must exercise reasonable promptness in examining the statement or the items to determine whether any payment was not authorized because of an alteration of an item or because a purported signature by or on behalf of the customer was not authorized. If, based on the statement or items provided, the customer should reasonably have discovered the unauthorized payment, the customer must promptly notify the bank of the relevant facts.

　　(d) If the bank proves that the customer failed, with respect to an item, to comply with the duties imposed on the customer by subsection (c), the customer is precluded from asserting against the bank:

　　(1) the customer's unauthorized signature or any alteration on the item, if the bank also proves that it suffered a loss by reason of the failure; and

　　(2) the customer's unauthorized signature or alteration by the same wrongdoer on any other item paid in good faith by the bank if the payment was made before the bank received notice from the customer of the unauthorized signature or alteration and after the customer had been afforded a reasonable period of time, not exceeding 30 days, in which to examine the item or statement of account and notify the bank.

　　(e) If subsection (d) applies and the customer proves that the bank failed to exercise ordinary care in paying the item and that the failure substantially contributed to loss, the loss is allocated between the customer precluded and the bank asserting the preclusion according to the extent to which the failure of the customer to comply with subsection (c) and the failure of the bank to exercise ordinary care contributed to the loss. If the customer proves that the bank did not pay the item in good faith, the preclusion under subsection (d) does not apply.

　　(f) Without regard to care or lack of care of either the customer or the bank, a customer who does not within one year after the statement or items are made available to the customer (subsection (a)) discover and report the customer's unauthorized signature on or any alteration on the item is precluded from asserting against the bank the unauthorized signature or alteration. If there is a preclusion under this subsection, the payor bank may not recover for breach of warranty under Section 4-208 with respect to the unauthorized signature or alteration to which the preclusion applies.

　　(c) 若銀行發(fā)送或使得可獲得的對(duì)帳單或項(xiàng)目依照本條(a)款，該消費(fèi)者必須盡合理的勤勉在檢驗(yàn)該聲明或該項(xiàng)目，以決定是否任何付款不被授權(quán)由于一個(gè)項(xiàng)目的涂改或因?yàn)闉橄M(fèi)者或代表其利益的傳送的簽名不被授權(quán)。如果基于被提供的聲明或項(xiàng)目，消費(fèi)者應(yīng)當(dāng)已經(jīng)適當(dāng)?shù)匕l(fā)現(xiàn)該未授權(quán)的付款，該消費(fèi)者必須迅速通知該銀行相關(guān)事實(shí)。

　　(d) 如果銀行證明，關(guān)于一個(gè)項(xiàng)目，消費(fèi)者不能遵從(c)款規(guī)定的義務(wù)，該消費(fèi)者被排除對(duì)銀行主張下列抗辯：

　　(1) 消費(fèi)者在該項(xiàng)目上的未授權(quán)的簽名或任何涂改，如果銀行也證明由于該消費(fèi)者的不作為而遭受的損失;及

　　(2) 消費(fèi)者的、在該銀行善意支付的任何其他項(xiàng)目上的、由相同的不當(dāng)行為人作出的未授權(quán)的簽名或任何涂改，若該付款被作出在該銀行從未授權(quán)的簽名或涂改的消費(fèi)者處收到通知之前，并且在該消費(fèi)者已經(jīng)被給予合理的期間，不超過(guò)30日，在該期間檢驗(yàn)該項(xiàng)目或?qū)?statement of account)并通知該銀行之后。

　　(e) 如果(d) 款適用，并且消費(fèi)者證明在付款項(xiàng)目時(shí)未盡通常的注意義務(wù)，并且該不履行實(shí)質(zhì)性地導(dǎo)致了損失，該損失在被排除的消費(fèi)者和主張?jiān)撆懦你y行之間分配，在消費(fèi)者遵從 (c)的失敗和銀行盡通常的注意義務(wù)的失敗導(dǎo)致的損失范圍內(nèi)。如果消費(fèi)者證明不善意支付該項(xiàng)目，在(d)款下的排除不適用。

　　(f) 不考慮消費(fèi)者或銀行注意或不注意，消費(fèi)者在該聲明或項(xiàng)目被使得該消費(fèi)者可獲得之后 (本條(a)款) 一年之內(nèi)，沒(méi)有發(fā)現(xiàn)并報(bào)告在該項(xiàng)目上的消費(fèi)者的未授權(quán)的簽名或任何涂改，則該消費(fèi)者被排除向該銀行主張?jiān)撐词跈?quán)的簽名或涂改的權(quán)利。若有在本款下的排除，付款行不得恢復(fù)因擔(dān)保之違反在§ 4-208 下關(guān)于該排除適用的該未授權(quán)的簽名或涂改

　　§ 4-407. PAYOR BANK'S RIGHT TO SUBROGATION ON IMPROPER PAYMENT.

　　付款行對(duì)不是付款的代位權(quán).

　　If a payor bank has paid an item over the order of the drawer or maker to stop payment, or after an account has been closed, or otherwise under circumstances giving a basis for objection by the drawer or maker, to prevent unjust enrichment and only to the extent necessary to prevent loss to the bank by reason of its payment of the item, the payor bank is subrogated to the rights

　　(1) of any holder in due course on the item against the drawer or maker;

　　(2) of the payee or any other holder of the item against the drawer or maker either on the item or under the transaction out of which the item arose; and

　　(3) of the drawer or maker against the payee or any other holder of the item with respect to the transaction out of which the item arose.

　　若付款行已支付一個(gè)項(xiàng)目在出票人或制作人停止付款的指示下，或在一個(gè)帳戶(hù)已經(jīng)被關(guān)閉之后，或在其他情形，給予出票人或制作人拒絕之理由的基礎(chǔ)的情形，為防止不正當(dāng)?shù)美⑶覂H限于為防止該銀行由于其對(duì)該項(xiàng)目的付款而導(dǎo)致?lián)p失的范圍內(nèi)，付款行代位享有下列權(quán)利

　　(1) 任何正當(dāng)持票人在該項(xiàng)目上的對(duì)于出票人或制作人的權(quán)利;

　　(2) 該項(xiàng)目的收款人或任何其他持票人的對(duì)出票人或制作人或在該項(xiàng)目上或在該項(xiàng)目起于的交易下的權(quán)利;及

　　(3)出票人或制作人對(duì)該項(xiàng)目的收款人或任何其他持票人關(guān)于該項(xiàng)目起于的交易的權(quán)利。

　　PART 5. COLLECTION OF DOCUMENTATARY DRAFTS [Table of Contents]

　　跟單匯票的收款

　　§ 4-501. HANDLING OF DOCUMENTARY DRAFTS; DUTY TO SEND FOR PRESENTMENT AND TO NOTIFY CUSTOMER OF DISHONOR.

　　押匯匯票的處理;提示送達(dá)和通知消費(fèi)者拒付的義務(wù).

　　A bank that takes a documentary draft for collection shall present or send the draft and accompanying documents for presentment and, upon learning that the draft has not been paid or accepted in due course, shall seasonably notify its customer of the fact even though it may have discounted or bought the draft or extended credit available for withdrawal as of right.

　　為收款而取得押匯匯票的銀行，應(yīng)當(dāng)提示或送達(dá)該匯票及其附屬單證，并且，在該匯票沒(méi)有被及時(shí)付款或承兌的情形，應(yīng)當(dāng)及時(shí)通報(bào)其消費(fèi)者該事實(shí)，即使其可能已經(jīng)折價(jià)購(gòu)買(mǎi)或購(gòu)買(mǎi)該匯票，或其可能已擴(kuò)展因放棄權(quán)利而可獲得的信用。

　　§ 4-502. PRESENTMENT OF "ON ARRIVAL" DRAFTS. "到達(dá)"提示匯票.

　　If a draft or the relevant instructions require presentment "on arrival", "when goods arrive" or the like, the collecting bank need not present until in its judgment a reasonable time for arrival of the goods has expired. Refusal to pay or accept because the goods have not arrived is not dishonor; the bank must notify its transferor of the refusal but need not present the draft again until it is instructed to do so or learns of the arrival of the goods.

　　如果匯票或相關(guān)指示要求到達(dá)提示、貨到提示、或類(lèi)似用語(yǔ)，收款行按照其判斷，合理的到達(dá)期限屆滿以前，不必提示。由于貨物沒(méi)有到達(dá)而對(duì)付款或承兌的拒絕不是拒付;銀行必須通報(bào)其拒絕的讓與人，但是，在其收到指示或知道貨物的到達(dá)之前，其無(wú)須再次提示該匯票。

　　§ 4-503. RESPONSIBILITY OF PRESENTING BANK FOR DOCUMENTS AND GOODS; REPORT OF REASONS FOR DISHONOR; REFEREE IN CASE OF NEED.

　　提示行為文件和貨物的責(zé)任; 拒付原因報(bào)告; 必要案件的仲裁人.

　　Unless otherwise instructed and except as provided in Article 5, a bank presenting a documentary draft:

　　(1) must deliver the documents to the drawee on acceptance of the draft if it is payable more than three days after presentment; otherwise, only on payment; and

　　(2) upon dishonor, either in the case of presentment for acceptance or presentment for payment, may seek and follow instructions from any referee in case of need designated in the draft or, if the presenting bank does not choose to utilize the referee's services, it must use diligence and good faith to ascertain the reason for dishonor, must notify its transferor of the dishonor and of the results of its effort to ascertain the reasons therefor, and must request instructions.

　　However the presenting bank is under no obligation with respect to goods represented by the documents except to follow any reasonable instructions seasonably received; it has a right to reimbursement for any expense incurred in following instructions and to prepayment of or indemnity for those expenses.

　　除非另有指示，并且除第5篇規(guī)定外，提示押匯匯票的銀行：

　　(1) 在匯票承兌時(shí)必須交付該文件給付款人，若該匯票應(yīng)在提示三日后付款;否則應(yīng)在付款時(shí)交付;及

　　(2) 對(duì)于拒兌，或者在提示承兌或者提示付款情形，在匯票指定的需要情形，可以尋求并遵循來(lái)自任何仲裁人的指示，或，若該提示行不選擇去利用仲裁人的服務(wù)，其必須使用勤勉和善意去確定拒兌的原因，必須通報(bào)其拒兌的轉(zhuǎn)讓人，以及由此其確定原因的努力的結(jié)果，并且必須要求指示。

　　但是，對(duì)于文件描述的貨物，除了遵循及時(shí)收到的任何合理的指示，提示行不負(fù)責(zé)任;對(duì)于因遵循指示引起的任何費(fèi)用，以及那些費(fèi)用的預(yù)付款或賠償，其享有追回權(quán)。

　　§ 4-504. PRIVILEGE OF PRESENTING BANK TO DEAL WITH GOODS; SECURITY INTEREST FOR EXPENSES.

　　提示行處理貨物的特權(quán); 費(fèi)用的擔(dān)保權(quán)益.

　　(a) A presenting bank that, following the dishonor of a documentary draft, has seasonably requested instructions but does not receive them within a reasonable time may store, sell, or otherwise deal with the goods in any reasonable manner.

　　(b) For its reasonable expenses incurred by action under subsection (a), the presenting bank has a lien upon the goods or their proceeds, which may be foreclosed in the same manner as an unpaid seller's lien.

　　(a) 遵循押匯匯票的拒付從事的提示行已經(jīng)及時(shí)地要求、但是沒(méi)有在合理的期限內(nèi)收到指示的，可以?xún)?chǔ)存、出售或以任何其他合理的方式處理該貨物。

　　(b) 由(a)款下的訴訟引起的其合理的費(fèi)用，提示行對(duì)貨物或其收益享有留置權(quán)，而該留置權(quán)可以以與貨款未收到的賣(mài)主的留置權(quán)相同的方式被取消抵押品贖回權(quán)。

　　U.C.C. - ARTICLE 4A - FUNDS TRANSFER資金轉(zhuǎn)讓

　　PART 1. SUBJECT MATTER AND DEFINITIONS [Table of Contents] 主題和定義

　　§ 4A-101. SHORT TITLE. 簡(jiǎn)稱(chēng)

　　This Article may be cited as Uniform Commercial CodeFunds Transfers.

　　本篇可以被引用為《統(tǒng)一商法典》資金轉(zhuǎn)讓。

　　§ 4A-102. SUBJECT MATTER. 主題

　　Except as otherwise provided in Section 4A-108, this Article applies to funds transfers defined in Section 4A-104.

　　除非§4a-108另有規(guī)定，本篇適用于§4a-104定義的資金轉(zhuǎn)移。

　　§ 4A-103. PAYMENT ORDER - DEFINITIONS. 托付單 – 定義.

　　(a) In this Article: 在本篇中：

　　(1) "Payment order" means an instruction of a sender to a receiving bank, transmitted orally, electronically, or in writing, to pay, or to cause another bank to pay, a fixed or determinable amount of money to a beneficiary if:

　　(i) the instruction does not state a condition to payment to the beneficiary other than time of payment,

　　(ii) the receiving bank is to be reimbursed by debiting an account of, or otherwise receiving payment from, the sender, and

　　(iii) the instruction is transmitted by the sender directly to the receiving bank or to an agent, funds-transfer system, or communication system for transmittal to the receiving bank.

　　(1) "托付單" 指發(fā)送人給收款行的指示，口頭傳輸、電子、或書(shū)面形式，去付款，或去引起其他銀行付款，一筆確定的或可確定的金額給受益人，若

　　(i) 除付款時(shí)間外，該指示不規(guī)定付款給受益人的條件，

　　(ii) 收款行得到補(bǔ)償，通過(guò)記入借方發(fā)送人的帳戶(hù)，或者從發(fā)送人收取付款，并

　　(iii) 該指示由發(fā)送人直接傳達(dá)給收款行、或代理人、資金轉(zhuǎn)移系統(tǒng)、或者傳送給收款行的通訊系統(tǒng)。

　　(2) "Beneficiary" means the person to be paid by the beneficiary's bank.

　　(3) "Beneficiary's bank" means the bank identified in a payment order in which an account of the beneficiary is to be credited pursuant to the order or which otherwise is to make payment to the beneficiary if the order does not provide for payment to an account.

　　(4) "Receiving bank" means the bank to which the sender's instruction is addressed.

　　(5) "Sender" means the person giving the instruction to the receiving bank.

　　(b) If an instruction complying with subsection (a)(1) is to make more than one payment to a beneficiary, the instruction is a separate payment order with respect to each payment.

　　(c) A payment order is issued when it is sent to the receiving bank.

　　(2) "受益人" 指受益人的銀行向其付款的人。

　　(3) "受益人的銀行" 指確定于托付單中的銀行，在托付單中，依照該指示，受益人的帳戶(hù)將被記入貸方，或者，若該指示不規(guī)定對(duì)一個(gè)帳戶(hù)付款，作出付款給受益人。

　　(4) "收款行" 指發(fā)送人的指示向其提交的銀行。

　　(5) "發(fā)送人" 指向收款行作出指示的人。

　　(b) 若符合(a)(1)的指示將作出一筆以上的付款給受益人，該指示對(duì)于每筆付款為獨(dú)立的托付單。

　　(c) 托付單被簽發(fā)當(dāng)其被送達(dá)收款行時(shí)。

　　§ 4A-104. FUNDS TRANSFER - DEFINITIONS. 資金轉(zhuǎn)移 – 定義.

　　In this Article: 在本篇中：

　　(a) "Funds transfer" means the series of transactions, beginning with the originator's payment order, made for the purpose of making payment to the beneficiary of the ord, er. The term includes any payment order issued by the originator's bank or an intermediary bank intended to carry out the originator's payment order. A funds transfer is completed by acceptance by the beneficiary's bank of a payment order for the benefit of the beneficiary of the originator's payment order.

　　(b) "Intermediary bank" means a receiving bank other than the originator's bank or the beneficiary's bank.

　　(c) "Originator" means the sender of the first payment order in a funds transfer.

　　(d) "Originator's bank" means (i) the receiving bank to which the payment order of the originator is issued if the originator is not a bank, or (ii) the originator if the originator is a bank.

　　(a) "資金轉(zhuǎn)移" 指以創(chuàng)立者(創(chuàng)立者)的托付單開(kāi)始，以作出付款給指示的受益人為目的而作出的系列交易。該術(shù)語(yǔ)包括任何創(chuàng)立者的銀行或中間銀行發(fā)行的以執(zhí)行創(chuàng)立者的托付單為目的的托付單。資金轉(zhuǎn)移通過(guò)托付單的受益人的銀行為創(chuàng)立者的托付單的受益人的利益承兌而完成。

　　(b) "中間銀行" 指除創(chuàng)立者的銀行或受益人的銀行之外的收款行。

　　(c) "創(chuàng)立者" 指在資金轉(zhuǎn)移中的第一托付單的發(fā)送人。

　　(d) "創(chuàng)立者的銀行" 指 (i) 創(chuàng)立者的托付單向其發(fā)行的收款行，若該創(chuàng)立者不是銀行，或 (ii)創(chuàng)立者，若創(chuàng)立者是銀行。

　　§ 4A-105. OTHER DEFINITIONS. 其他定義.

　　(a) In this Article: 在本篇中：

　　(1) "Authorized account" means a deposit account of a customer in a bank designated by the customer as a source of payment of payment orders issued by the customer to the bank. If a customer does not so designate an account, any account of the customer is an authorized account if payment of a payment order from that account is not inconsistent with a restriction on the use of that account.

　　(2) "Bank" means a person engaged in the business of banking and includes a savings bank, savings and loan association, credit union, and trust company. A branch or separate office of a bank is a separate bank for purposes of this Article.

　　(3) "Customer" means a person, including a bank, having an account with a bank or from whom a bank has agreed to receive payment orders.

　　(1) "授權(quán)帳戶(hù)" 指消費(fèi)者在一個(gè)銀行的，消費(fèi)者指定作為該消費(fèi)者向該銀行簽發(fā)的托付單的付款之來(lái)源的存款帳戶(hù)。若消費(fèi)者未如此指定一個(gè)帳戶(hù)，該消費(fèi)者的任何帳戶(hù)是授權(quán)帳戶(hù)，若托付單的從該帳戶(hù)的付款不與該帳戶(hù)的用途限制不一致。

　　(2) "銀行" 指從事銀行業(yè)事務(wù)的人，包括存款行、儲(chǔ)蓄貸款社、信用合作社、及信托公司。一個(gè)銀行的分支機(jī)構(gòu)或獨(dú)立辦事處為本篇的目的是一個(gè)獨(dú)立的銀行。

　　(3) "消費(fèi)者" 指一個(gè)人，包括銀行，其在銀行有一個(gè)帳戶(hù)，或者，一個(gè)銀行同意向其收取托付單的人。

　　(4) "Funds-transfer business day" of a receiving bank means the part of a day during which the receiving bank is open for the receipt, processing, and transmittal of payment orders and cancellations and amendments of payment orders.

　　(5) "Funds-transfer system" means a wire transfer network, automated clearing house, or other communication system of a clearing house or other association of banks through which a payment order by a bank may be transmitted to the bank to which the order is addressed.

　　(6) [reserved]

　　(7) "Prove" with respect to a fact means to meet the burden of establishing the fact (Section 1-201(b)(8)).

　　(b) Other definitions applying to this Article and the sections in which they appear are:

　　(4) 收款行的"資金轉(zhuǎn)移營(yíng)業(yè)日" 指一天中的這樣一個(gè)部分，在該期間，收款行開(kāi)放以接收、處理、及托付單的傳輸和托付單的取消、修正。

　　(5) "資金轉(zhuǎn)移系統(tǒng)" 指電匯網(wǎng)絡(luò)、自動(dòng)化票據(jù)交換所、或票據(jù)交換所的其他通訊系統(tǒng)，或者銀行之間的其他聯(lián)合，一個(gè)銀行可以通過(guò)其將托付單傳輸給指令指定的銀行。

　　(6) [reserved]

　　(7) 關(guān)于一項(xiàng)事實(shí)的"證明"指符合證明有關(guān)事實(shí)的負(fù)擔(dān) (§1-201(b)(8))。

　　(b) 其他適用于本篇和本款的其他定義是：

　　(d) In addition Article 1 contains general definitions and principles of construction and interpretation applicable throughout this Article.

　　另外，第1篇包含的一般定義和解釋原則和解釋適用于本篇。

　　§ 4A-106. TIME PAYMENT ORDER IS RECEIVED. 托付單被收到的時(shí)間.

　　(a) The time of receipt of a payment order or communication cancelling or amending a payment order is determined by the rules applicable to receipt of a notice stated in Section 1-202. A receiving bank may fix a cut-off time or times on a funds-transfer business day for the receipt and processing of payment orders and communications cancelling or amending payment orders. Different cut-off times may apply to payment orders, cancellations, or amendments, or to different categories of payment orders, cancellations, or amendments. A cut-off time may apply to senders generally or different cut-off times may apply to different senders or categories of payment orders. If a payment order or communication cancelling or amending a payment order is received after the close of a funds-transfer business day or after the appropriate cut-off time on a funds-transfer business day, the receiving bank may treat the payment order or communication as received at the opening of the next funds-transfer business day.

　　托付單的收到時(shí)間或者取消或修正托付單的通訊的時(shí)間，由§1-202規(guī)定的適用于通知的收取的規(guī)則決定。對(duì)于托付單的收取和處理以及取消或變更托付單信息，收款行可以確定一個(gè)在資金轉(zhuǎn)移營(yíng)業(yè)日的截止時(shí)間或時(shí)期。不同的截止時(shí)間可以適用于托付單、取消、或變更、或不同類(lèi)型的托付單、取消、或變更。截止時(shí)間一般可以適用于發(fā)送人，或者不同的截止時(shí)間可以適用于不同的發(fā)送人或不同類(lèi)型的托付單。若在資金轉(zhuǎn)移營(yíng)業(yè)日關(guān)閉之后，或者在資金轉(zhuǎn)移營(yíng)業(yè)日的適當(dāng)?shù)慕刂箷r(shí)間之后，收到托付單、或取消或變更托付單的信息，收款行可以視為在下一個(gè)資金轉(zhuǎn)移營(yíng)業(yè)日開(kāi)張時(shí)收到該托付單或信息。

　　(b) If this Article refers to an execution date or payment date or states a day on which a receiving bank is required to take action, and the date or day does not fall on a funds-transfer business day, the next day that is a funds-transfer business day is treated as the date or day stated, unless the contrary is stated in this Article.

　　若本篇引用執(zhí)行日期或付款自然或規(guī)定收款行應(yīng)當(dāng)提起訴訟的日期，并且該日期或期日不在資金轉(zhuǎn)移營(yíng)業(yè)日內(nèi)，其后的第一個(gè)資金轉(zhuǎn)移營(yíng)業(yè)日被視為該日期或期日，除非本篇有相反規(guī)定。

　　§ 4A-107. FEDERAL RESERVE REGULATIONS AND OPERATING CIRCULARS.

　　聯(lián)邦儲(chǔ)備規(guī)則和操作細(xì)則.

　　Regulations of the Board of Governors of the Federal Reserve System and operating circulars of the Federal Reserve Banks supersede any inconsistent provision of this Article to the extent of the inconsistency.

　　在不一致的范圍內(nèi)，聯(lián)邦儲(chǔ)備銀行的聯(lián)邦儲(chǔ)備系統(tǒng)董事會(huì)章程和操作細(xì)則代替本篇任何不一致的規(guī)定。

　　§ 4A-108. EXCLUSION OF CONSUMER TRANSACTIONS GOVERNED BY FEDERAL LAW.

　　聯(lián)邦法律調(diào)整的消費(fèi)者交易的排除.

　　This Article does not apply to a funds transfer any part of which is governed by the Electronic Fund Transfer Act of 1978 (Title XX, Public Law 95-630, 92 Stat. 3728, 15 U.S.C. § 1693 et seq.) as amended from time to time.

　　本篇不適用于資金轉(zhuǎn)移 之由《1978年電子資金轉(zhuǎn)移法案》(title xx, public law 95-630, 92 stat. 3728, 15 u.s.c. § 1693 et seq.)調(diào)整的、有時(shí)修正的任何部分。

　　PART 2. ISSUE AND ACCEPTANCE OF PAYMENT ORDER [Table of Contents]

　　.托付單之簽發(fā)和接受

　　§ 4A-201. SECURITY PROCEDURE. 安全程序.

　　"Security procedure" means a procedure established by agreement of a customer and a receiving bank for the purpose of (i) verifying that a payment order or communication amending or cancelling a payment order is that of the customer, or (ii) detecting error in the transmission or the content of the payment order or communication. A security procedure may require the use of algorithms or other codes, identifying words or numbers, encryption, callback procedures, or similar security devices. Comparison of a signature on a payment order or communication with an authorized specimen signature of the customer is not by itself a security procedure.

　　"安全程序" 指消費(fèi)者與收款行基 于下列目的簽訂的協(xié)議所確定的程序(i) 檢驗(yàn)托付單或者變更或取消托付單的信息是消費(fèi)者的，或(ii) 探測(cè)交易中或托付單或信息的內(nèi)容中的錯(cuò)誤。安全程序要求運(yùn)算法則或其他編碼、識(shí)別詞或數(shù)字、編密碼、復(fù)查程序、或類(lèi)似的安全設(shè)計(jì)的運(yùn)用。托付單上的簽名或信息與消費(fèi)者的經(jīng)授權(quán)的印鑒樣本的比較本身不是安全程序。

　　§ 4A-202. AUTHORIZED AND VERIFIED PAYMENT ORDERS. 授權(quán)與檢驗(yàn)托付單.

　　(a) A payment order received by the receiving bank is the authorized order of the person identified as sender if that person authorized the order or is otherwise bound by it under the law of agency.

　　(b) If a bank and its customer have agreed that the authenticity of payment orders issued to the bank in the name of the customer as sender will be verified pursuant to a security procedure, a payment order received by the receiving bank is effective as the order of the customer, whether or not authorized, if (i) the security procedure is a commercially reasonable method of providing security against unauthorized payment orders, and (ii) the bank proves that it accepted the payment order in good faith and in compliance with the security procedure and any written agreement or instruction of the customer restricting acceptance of payment orders issued in the name of the customer. The bank is not required to follow an instruction that violates a written agreement with the customer or notice of which is not received at a time and in a manner affording the bank a reasonable opportunity to act on it before the payment order is accepted.

　　(a) 收款行收到的托付單是確定為發(fā)送人的人的經(jīng)授權(quán)的指令，如果此人授權(quán)該指令或者依照代理法此人受該指令約束。

　　(b) 若一個(gè)銀行與其消費(fèi)者已經(jīng)同意，以消費(fèi)者作為發(fā)送人簽發(fā)給該銀行的托付單的真實(shí)性將依照安全程序檢驗(yàn)，收款行收到的托付單作為消費(fèi)者的指令有效，無(wú)論是否被授權(quán)，若(i) 該安全程序是商業(yè)上合理的防止未授權(quán)的托付單的方法，及 (ii) 該銀行證明其善意地接受該托付單，并且符合安全程序以及任何書(shū)面協(xié)議或消費(fèi)者的限制以該消費(fèi)者的名義簽發(fā)的托付單的接受的指示。該銀行不被要求遵循一個(gè)指示，若該指示違反與消費(fèi)者的書(shū)面協(xié)議，或違反沒(méi)有在該托付單被接受之前，以給予該銀行合理的機(jī)會(huì)去按照其作出行為的時(shí)間和方式收到的通知。

　　(c) Commercial reasonableness of a security procedure is a question of law to be determined by considering the wishes of the customer expressed to the bank, the circumstances of the customer known to the bank, including the size, type, and frequency of payment orders normally issued by the customer to the bank, alternative security procedures offered to the customer, and security procedures in general use by customers and receiving banks similarly situated. A security procedure is deemed to be commercially reasonable if (i) the security procedure was chosen by the customer after the bank offered, and the customer refused, a security procedure that was commercially reasonable for that customer, and (ii) the customer expressly agreed in writing to be bound by any payment order, whether or not authorized, issued in its name and accepted by the bank in compliance with the security procedure chosen by the customer.

　　安全程序的商業(yè)合理性是通過(guò)考慮消費(fèi)者向銀行表達(dá)的愿望所決定的一個(gè)法律問(wèn)題，銀行知道的消費(fèi)者的詳情，包括消費(fèi)者通常簽發(fā)給銀行的托付單的尺寸、類(lèi)型和頻率，提供給消費(fèi)者的選擇性的安全程序，以及消費(fèi)者與收款行一般使用的安全程序類(lèi)似地處于的境況。安全程序被視為商業(yè)上合理的，若 (i) 該安全程序被消費(fèi)者在該銀行提供之后選擇，并且該消費(fèi)者拒絕，安全程序?qū)τ谠撓M(fèi)者是商業(yè)上合理的，及(ii)該消費(fèi)者以書(shū)面形式明示同意受任何托付單約束，無(wú)論托付單是否被授權(quán)，只要該托付單以其名義簽發(fā)并且由該銀行以符合該消費(fèi)者選擇的安全程序地接受。

　　(d) The term "sender" in this Article includes the customer in whose name a payment order is issued if the order is the authorized order of the customer under subsection (a), or it is effective as the order of the customer under subsection (b).

　　(e) This section applies to amendments and cancellations of payment orders to the same extent it applies to payment orders.

　　(f) Except as provided in this section and in Section 4A-203(a)(1), rights and obligations arising under this section or Section 4A-203 may not be varied by agreement.

　　(d) 本篇中的術(shù)語(yǔ) "發(fā)送人" ，包括以其名義簽發(fā)托付單的消費(fèi)者，若該指令是消費(fèi)者在 (a)款下的經(jīng)授權(quán)的指令，或者其作為消費(fèi)者在(b)款下的指令有效。

　　(e) 在其適用于托付單的相同范圍內(nèi)，本條適用于托付單的變更和取消。

　　(f) 除非本條和§4a-203(a)(1)另有規(guī)定，本條或§4a-203出現(xiàn)的權(quán)利和義務(wù)不得協(xié)議變更。

　　§ 4A-203. UNENFORCEABILITY OF CERTAIN VERIFIED PAYMENT ORDERS.

　　一定的經(jīng)檢驗(yàn)的托付單的不可強(qiáng)制執(zhí)行性.

　　(a) If an accepted payment order is not, under Section 4A-202(a), an authorized order of a customer identified as sender, but is effective as an order of the customer pursuant to Section 4A-202(b), the following rules apply:

　　(1) By express written agreement, the receiving bank may limit the extent to which it is entitled to enforce or retain payment of the payment order.

　　(2) The receiving bank is not entitled to enforce or retain payment of the payment order if the customer proves that the order was not caused, directly or indirectly, by a person (i) entrusted at any time with duties to act for the customer with respect to payment orders or the security procedure, or (ii) who obtained access to transmitting facilities of the customer or who obtained, from a source controlled by the customer and without authority of the receiving bank, information facilitating breach of the security procedure, regardless of how the information was obtained or whether the customer was at fault. Information includes any access device, computer software, or the like.

　　(b) This section applies to amendments of payment orders to the same extent it applies to payment orders.

　　(a) 若在§4a-202(a)下，被接受的托付單不是確定為發(fā)送人的消費(fèi)者的經(jīng)授權(quán)的指令，但是依照§4a-202(b)條作為消費(fèi)者的指令有效，下列規(guī)則適用：

　　(1) 按照明示的書(shū)面協(xié)議，收款行可以限制該范圍為其有權(quán)執(zhí)行或保留托付單的付款的范圍內(nèi)。 (2) 收款行無(wú)權(quán)執(zhí)行或保留托付單的付款，若該消費(fèi)者證明該指令不被下述這樣的人直接或間接地引起，(i)任何時(shí)間受托代理消費(fèi)者履行關(guān)于托付單或安全程序的義務(wù)的人，或 (ii) 獲得消費(fèi)者的傳輸便利的途徑的人，或者，從消費(fèi)者控制的來(lái)源并且沒(méi)有收款行的授權(quán)，獲得促成安全程序的違反的信息的人, 不管該信息怎樣獲得，或者是否該消費(fèi)者具有過(guò)失。信息包括任何途徑設(shè)備、電腦軟件或類(lèi)似物。

　　(b) 在其適用于托付單的相同范圍內(nèi)，本條適用于托付單的變更。

　　§ 4A-204. REFUND OF PAYMENT AND DUTY OF CUSTOMER TO REPORT WITH RESPECT TO UNAUTHORIZED PAYMENT ORDER.

　　付款的償還與消費(fèi)者報(bào)告未授權(quán)的托付單的義務(wù).

　　(a) If a receiving bank accepts a payment order issued in the name of its customer as sender which is (i) not authorized and not effective as the order of the customer under Section 4A-202, or (ii) not enforceable, in whole or in part, against the customer under Section 4A-203, the bank shall refund any payment of the payment order received from the customer to the extent the bank is not entitled to enforce payment and shall pay interest on the refundable amount calculated from the date the bank received payment to the date of the refund. However, the customer is not entitled to interest from the bank on the amount to be refunded if the customer fails to exercise ordinary care to determine that the order was not authorized by the customer and to notify the bank of the relevant facts within a reasonable time not exceeding 90 days after the date the customer received notification from the bank that the order was accepted or that the customer's account was debited with respect to the order. The bank is not entitled to any recovery from the customer on account of a failure by the customer to give notification as stated in this section.

　　(a) 若收款行接受其消費(fèi)者作為發(fā)送人簽發(fā)的托付單，該托付單(i)作為消費(fèi)者在§4a-202下的指令未經(jīng)授權(quán)并且無(wú)效，或 (ii)對(duì)于該消費(fèi)者在§4a-203下全部或部分不可強(qiáng)制執(zhí)行，在該銀行無(wú)權(quán)執(zhí)行該付款范圍內(nèi)，該銀行應(yīng)當(dāng)拒絕從該消費(fèi)者處收到的托付單的任何付款，并且應(yīng)當(dāng)支付可償還的金額的、從該銀行收到付款之日起到償還之日止計(jì)算的利息。但是，在該消費(fèi)者從該銀行收到關(guān)于該指令被接受的通知，或者，收到關(guān)于該指令消費(fèi)者的帳戶(hù)被記入借方的通知之日后，不超過(guò)90日的合理的時(shí)間內(nèi)，若該消費(fèi)者未盡通常的注意義務(wù)以確定該指令未被消費(fèi)者授權(quán)，及通知該銀行相關(guān)的事實(shí)，該消費(fèi)者無(wú)權(quán)向該銀行主張將被償還的金額的利息。由于該消費(fèi)者未能作出本條規(guī)定的通知，該銀行無(wú)權(quán)向消費(fèi)者主張任何退款。

　　(b) Reasonable time under subsection (a) may be fixed by agreement as stated in Section 1-204(1), but the obligation of a receiving bank to refund payment as stated in subsection (a) may not otherwise be varied by agreement.

　　(b) (a)款規(guī)定的合理的時(shí)間可以通過(guò)§1-204(1)規(guī)定的協(xié)議確定，但是(a)款規(guī)定的收款行償還付款的義務(wù)不得以協(xié)議變更。

　　§ 4A-205. ERRONEOUS PAYMENT ORDERS. 錯(cuò)誤的托付單

　　(a) If an accepted payment order was transmitted pursuant to a security procedure for the detection of error and the payment order (i) erroneously instructed payment to a beneficiary not intended by the sender, (ii) erroneously instructed payment in an amount greater than the amount intended by the sender, or (iii) was an erroneously transmitted duplicate of a payment order previously sent by the sender, the following rules apply:

　　(1) If the sender proves that the sender or a person acting on behalf of the sender pursuant to Section 4A-206 complied with the security procedure and that the error would have been detected if the receiving bank had also complied, the sender is not obliged to pay the order to the extent stated in paragraphs (2) and (3).

　　(2) If the funds transfer is completed on the basis of an erroneous payment order described in clause (i) or (iii) of subsection (a), the sender is not obliged to pay the order and the receiving bank is entitled to recover from the beneficiary any amount paid to the beneficiary to the extent allowed by the law governing mistake and restitution.

　　(3) If the funds transfer is completed on the basis of a payment order described in clause (ii) of subsection (a), the sender is not obliged to pay the order to the extent the amount received by the beneficiary is greater than the amount intended by the sender. In that case, the receiving bank is entitled to recover from the beneficiary the excess amount received to the extent allowed by the law governing mistake and restitution.

　　(a) 若被接受的托付單依照安全程序傳輸以檢測(cè)其錯(cuò)誤，并且該托付單 (i)錯(cuò)誤地指示付款給非由發(fā)送人打算的受益人， (ii) 錯(cuò)誤地指示支付了一筆比發(fā)送人打算的金額更大的金額，或 (iii) 是錯(cuò)誤地傳輸?shù)陌l(fā)送人以前發(fā)送的托付單的副本，下列規(guī)則適用

　　(1) 若發(fā)送人證明發(fā)送人或?yàn)榘l(fā)送人的利益行為的人依照§4a-206符合安全程序，并且若收款行也符合，該錯(cuò)誤本來(lái)已經(jīng)被發(fā)覺(jué)，發(fā)送人在(2)、(3)段規(guī)定范圍內(nèi)無(wú)須支付該指令。

　　(2) 若資金轉(zhuǎn)移以(a)款(i)或 (iii) 子句規(guī)定的錯(cuò)誤的托付單為基礎(chǔ)而完成，發(fā)送人無(wú)須支付該指令，并且，在調(diào)整錯(cuò)誤和恢復(fù)原狀的法律允許的范圍內(nèi)，收款行有權(quán)向受益人追回任何向受益人支付的金額。

　　(3) 若資金轉(zhuǎn)移以(a)款(ii) 子句規(guī)定的托付單為基礎(chǔ)而完成，在受益人收到的比發(fā)送人打算的更大的一筆金額范圍內(nèi)，發(fā)送人無(wú)須支付該指令。在該情形，在調(diào)整錯(cuò)誤和恢復(fù)原狀的法律允許的范圍內(nèi)，收款行有權(quán)向受益人追回被收到的超過(guò)的金額。

　　(b) If (i) the sender of an erroneous payment order described in subsection (a) is not obliged to pay all or part of the order, and (ii) the sender receives notification from the receiving bank that the order was accepted by the bank or that the sender's account was debited with respect to the order, the sender has a duty to exercise ordinary care, on the basis of information available to the sender, to discover the error with respect to the order and to advise the bank of the relevant facts within a reasonable time, not exceeding 90 days, after the bank's notification was received by the sender. If the bank proves that the sender failed to perform that duty, the sender is liable to the bank for the loss the bank proves it incurred as a result of the failure, but the liability of the sender may not exceed the amount of the sender's order.

　　(c) This section applies to amendments to payment orders to the same extent it applies to payment orders.

　　(b) 若(i) (a)款規(guī)定的錯(cuò)誤的托付單的發(fā)送人無(wú)須支付該指令的全部或部分金額，并且(ii)發(fā)送人從收款行處收到關(guān)于該銀行接受指令或關(guān)于該指令發(fā)送人的帳戶(hù)被記入借方的通知，發(fā)送人有義務(wù)盡通常的注意義務(wù)，以發(fā)送人可獲得的信息為基礎(chǔ)，發(fā)現(xiàn)該指令的錯(cuò)誤并且，在發(fā)送人收到該銀行的通知后不超過(guò)90日的合理的時(shí)間內(nèi)，警告銀行相關(guān)的事實(shí)。若該銀行證明，發(fā)送人未履行該義務(wù)，發(fā)送人應(yīng)對(duì)該銀行證明的由于該未履行而引起的損失承擔(dān)責(zé)任，但是，發(fā)送人的責(zé)任不得超過(guò)發(fā)送人的指令的金額。

　　(c) 在其適用于托付單的相同范圍內(nèi)，本條適用于托付單的變更。

　　§ 4A-206. TRANSMISSION OF PAYMENT ORDER THROUGH FUNDS-TRANSFER OR OTHER COMMUNICATION SYSTEM.

　　通過(guò)資金轉(zhuǎn)移或其他通訊系統(tǒng)傳輸托付單.

　　(a) If a payment order addressed to a receiving bank is transmitted to a funds-transfer system or other third-party communication system for transmittal to the bank, the system is deemed to be an agent of the sender for the purpose of transmitting the payment order to the bank. If there is a discrepancy between the terms of the payment order transmitted to the system and the terms of the payment order transmitted by the system to the bank, the terms of the payment order of the sender are those transmitted by the system. This section does not apply to a funds-transfer system of the Federal Reserve Banks.

　　(b) This section applies to cancellations and amendments of payment orders to the same extent it applies to payment orders.

　　(a) 若基于傳輸給該銀行的目的，寄送給收款行的托付單被傳輸?shù)劫Y金轉(zhuǎn)移系統(tǒng)或其他第三方通訊系統(tǒng)，該系統(tǒng)被視為發(fā)送人基于傳輸該托付單給銀行的目的的代理人。若在傳輸?shù)较到y(tǒng)的托付單的條款與該系統(tǒng)傳輸給該銀行的托付單的條款之間存在差異，發(fā)送人的托付單的條款是該系統(tǒng)傳輸?shù)臈l款。本條不適用于聯(lián)邦儲(chǔ)備銀行的資金轉(zhuǎn)移系統(tǒng)。

　　(b) 在其適用于托付單的相同范圍內(nèi)，本條適用于托付單的變更和取消。

　　§ 4A-207. MISDESCRIPTION OF BENEFICIARY. 受益人的不當(dāng)陳述

　　(a) Subject to subsection (b), if, in a payment order received by the beneficiary's bank, the name, bank account number, or other identification of the beneficiary refers to a nonexistent or unidentifiable person or account, no person has rights as a beneficiary of the order and acceptance of the order cannot occur.

　　(b) If a payment order received by the beneficiary's bank identifies the beneficiary both by name and by an identifying or bank account number and the name and number identify different persons, the following rules apply:

　　(1) Except as otherwise provided in subsection (c), if the beneficiary's bank does not know that the name and number refer to different persons, it may rely on the number as the proper identification of the beneficiary of the order. The beneficiary's bank need not determine whether the name and number refer to the same person.

　　(2) If the beneficiary's bank pays the person identified by name or knows that the name and number identify different persons, no person has rights as beneficiary except the person paid by the beneficiary's bank if that person was entitled to receive payment from the originator of the funds transfer. If no person has rights as beneficiary, acceptance of the order cannot occur.

　　(a) 受(b)款影響，若，在受益人的銀行收到的托付單中，名字、銀行賬號(hào)號(hào)碼、或受益人的其他身份識(shí)別指向一個(gè)不存在的人或不可確定的人或賬號(hào)，沒(méi)有人有權(quán)享有作為指令的受益人的權(quán)利，并且該指令的承兌不能發(fā)生。

　　(b) 若受益人的銀行收到的托付單確定受益人既通過(guò)名字并且通過(guò)識(shí)別或銀行賬號(hào)和名字及賬號(hào)識(shí)別不同的人，下列規(guī)則適用

　　(1) 除非(c)款另有規(guī)定，若受益人的銀行不知道該名字和賬號(hào)指不同的人，其可以根據(jù)該賬號(hào)作為指示的受益人的合適的身份。受益人的銀行無(wú)需決定該名字和賬號(hào)是否指相同的人。

　　(2) 若受益人的銀行向通過(guò)名字確定的人付款或者知道名字和賬號(hào)確定不同的人，沒(méi)有人有權(quán)享有作為受益人的權(quán)利，但受益人的銀行向其付款的人除外，若此人有權(quán)向資金轉(zhuǎn)移的創(chuàng)立者收取付款。若沒(méi)有人有權(quán)享有作為受益人的權(quán)利，該指令的承兌不能發(fā)生。

　　(c) If (i) a payment order described in subsection (b) is accepted, (ii) the originator's payment order described the beneficiary inconsistently by name and number, and (iii) the beneficiary's bank pays the person identified by number as permitted by subsection (b)(1), the following rules apply:

　　(1) If the originator is a bank, the originator is obliged to pay its order.

　　(2) If the originator is not a bank and proves that the person identified by number was not entitled to receive payment from the originator, the originator is not obliged to pay its order unless the originator's bank proves that the originator, before acceptance of the originator's order, had notice that payment of a payment order issued by the originator might be made by the beneficiary's bank on the basis of an identifying or bank account number even if it identifies a person different from the named beneficiary. Proof of notice may be made by any admissible evidence. The originator's bank satisfies the burden of proof if it proves that the originator, before the payment order was accepted, signed a writing stating the information to which the notice relates.

　　(c) 若(i) (b)款規(guī)定的托付單被接受，(ii) 創(chuàng)立者的托付單的名字和賬號(hào)不一致地規(guī)定了受益人，并且 (iii) 受益人的銀行向(b)(1)允許的通過(guò)賬號(hào)確定的人付款，下列規(guī)則適用

　　(1) 若創(chuàng)立者是銀行，創(chuàng)立者必須支付其指令。

　　(2) 若創(chuàng)立者不是銀行并且證明通過(guò)賬號(hào)確定的人無(wú)權(quán)向創(chuàng)立者收取付款，創(chuàng)立者不必支付其指令除非創(chuàng)立者的銀行證明，在創(chuàng)立者的指令接受前，創(chuàng)立者已經(jīng)接到通知，創(chuàng)立者簽發(fā)的托付單的付款也許由受益人的銀行基于識(shí)別或銀行賬號(hào)而作出，即使其確定一個(gè)不同于指定的受益人的人。通知的證據(jù)可以通過(guò)任何允許的證據(jù)作出。若創(chuàng)立者的銀行證明，在托付單被接受前，創(chuàng)立者簽署了一份陳述了該通知敘述的信息的書(shū)面文件，則其完成了其舉證負(fù)擔(dān)。

　　(d) In a case governed by subsection (b)(1), if the beneficiary's bank rightfully pays the person identified by number and that person was not entitled to receive payment from the originator, the amount paid may be recovered from that person to the extent allowed by the law governing mistake and restitution as follows:

　　(1) If the originator is obliged to pay its payment order as stated in subsection (c), the originator has the right to recover.

　　(2) If the originator is not a bank and is not obliged to pay its payment order, the originator's bank has the right to recover.

　　(d) 在(b)(1)調(diào)整的情形，若受益人的銀行正當(dāng)?shù)叵蛲ㄟ^(guò)賬號(hào)確定的人付款，并且此人無(wú)權(quán)向創(chuàng)立者收取付款，在調(diào)整錯(cuò)誤和恢復(fù)原狀的法律允許的范圍內(nèi)，被支付的金額可以向此人追回，如下所述：

　　(1) 若創(chuàng)立者必須支付其托付單如(c)款規(guī)定，創(chuàng)立者享有追回權(quán)。

　　(2) 若創(chuàng)立者不是銀行并且不必支付其托付單，創(chuàng)立者的銀行享有追回權(quán)。

　　§ 4A-208. MISDESCRIPTION OF INTERMEDIARY BANK OR BENEFICIARY'S BANK.

　　中間銀行或受益人的銀行的不當(dāng)陳述.

　　(a) This subsection applies to a payment order identifying an intermediary bank or the beneficiary's bank only by an identifying number.

　　(1) The receiving bank may rely on the number as the proper identification of the intermediary or beneficiary's bank and need not determine whether the number identifies a bank.

　　(2) The sender is obliged to compensate the receiving bank for any loss and expenses incurred by the receiving bank as a result of its reliance on the number in executing or attempting to execute the order.

　　(a) 本款適用于僅僅通過(guò)識(shí)別號(hào)碼識(shí)別中間銀行或受益人的銀行的托付單。

　　(1) 收款行可以依據(jù)該號(hào)碼作為中間銀行或受益人的銀行的合適的身份識(shí)別并且不需決定該號(hào)碼是否確定一個(gè)銀行。

　　(2) 發(fā)送人應(yīng)當(dāng)賠償收款行在執(zhí)行或嘗試執(zhí)行該指令時(shí)對(duì)該號(hào)碼的信賴(lài)所導(dǎo)致的任何損失和費(fèi)用。

　　(b) This subsection applies to a payment order identifying an intermediary bank or the beneficiary's bank both by name and an identifying number if the name and number identify different persons.

　　(1) If the sender is a bank, the receiving bank may rely on the number as the proper identification of the intermediary or beneficiary's bank if the receiving bank, when it executes the sender's order, does not know that the name and number identify different persons. The receiving bank need not determine whether the name and number refer to the same person or whether the number refers to a bank. The sender is obliged to compensate the receiving bank for any loss and expenses incurred by the receiving bank as a result of its reliance on the number in executing or attempting to execute the order.

　　(2) If the sender is not a bank and the receiving bank proves that the sender, before the payment order was accepted, had notice that the receiving bank might rely on the number as the proper identification of the intermediary or beneficiary's bank even if it identifies a person different from the bank identified by name, the rights and obligations of the sender and the receiving bank are governed by subsection (b)(1), as though the sender were a bank. Proof of notice may be made by any admissible evidence. The receiving bank satisfies the burden of proof if it proves that the sender, before the payment order was accepted, signed a writing stating the information to which the notice relates.

　　(b) 本款適用于通過(guò)名字和識(shí)別碼識(shí)別中間銀行或受益人的銀行的托付單，若該名字和號(hào)碼識(shí)別不同的人。

　　(1) 若發(fā)送人是銀行，收款行可以依據(jù)該號(hào)碼作為中間銀行或受益人的銀行的合適的身份識(shí)別，若收款行在執(zhí)行發(fā)送人的指令時(shí)不知道該名字和號(hào)碼識(shí)別不同的人。收款行不需要確定是否該名字和號(hào)碼指向相同的人或者是否該號(hào)碼指向一個(gè)銀行。發(fā)送人應(yīng)當(dāng)賠償收款行在執(zhí)行或嘗試執(zhí)行該指令時(shí)對(duì)該號(hào)碼的信賴(lài)所導(dǎo)致的任何損失和費(fèi)用。

　　(2) 若發(fā)送人不是銀行，并且收款行證 明，在托付單被接受之前，發(fā)送人得到通知收款行信賴(lài)該號(hào)碼作為中間銀行或受益人的銀行的合適的身份識(shí)別，即使其識(shí)別一個(gè)人不同于按名字確定的銀行，發(fā)送人與收款行的權(quán)利和義務(wù)受(b) (1)調(diào)整，就像發(fā)送人是一個(gè)銀行。通知的證據(jù)可以通過(guò)任何允許的證據(jù)作出。若收款行證明，在托付單被接受前，發(fā)送人簽署了一份陳述了該通知敘述的信息的書(shū)面文件，則其完成了其舉證負(fù)擔(dān)。

　　(3) Regardless of whether the sender is a bank, the receiving bank may rely on the name as the proper identification of the intermediary or beneficiary's bank if the receiving bank, at the time it executes the sender's order, does not know that the name and number identify different persons. The receiving bank need not determine whether the name and number refer to the same person.

　　(4) If the receiving bank knows that the name and number identify different persons, reliance on either the name or the number in executing the sender's payment order is a breach of the obligation stated in Section 4A-302(a)(1).

　　(3) 不管發(fā)送人是不是銀行，收款行可以依據(jù)該名字作為中間銀行或受益人的銀行的合適的身份識(shí)別，若收款行在執(zhí)行發(fā)送人的指令時(shí)不知道該名字和號(hào)碼識(shí)別不同的人。收款行不需要確定是否該名字和號(hào)碼指向相同的人。

　　(4) 若收款行知道該名字和號(hào)碼識(shí)別不同的人，在執(zhí)行發(fā)送人的托付單時(shí)對(duì)任一名字或號(hào)碼的信賴(lài)違反§4a-302(a)(1)規(guī)定的義務(wù)。

　　§ 4A-209. ACCEPTANCE OF PAYMENT ORDER. 托付單的接受.

　　(a) Subject to subsection (d), a receiving bank other than the beneficiary's bank accepts a payment order when it executes the order.

　　(b) Subject to subsections (c) and (d), a beneficiary's bank accepts a payment order at the earliest of the following times:

　　(1) when the bank (i) pays the beneficiary as stated in Section 4A-405(a) or 4A-405(b), or (ii) notifies the beneficiary of receipt of the order or that the account of the beneficiary has been credited with respect to the order unless the notice indicates that the bank is rejecting the order or that funds with respect to the order may not be withdrawn or used until receipt of payment from the sender of the order;

　　(2) when the bank receives payment of the entire amount of the sender's order pursuant to Section 4A-403(a)(1) or 4A-403(a)(2); or

　　(a) 受(d)款影響，除受益人的銀行之外的收款行接受托付單當(dāng)其執(zhí)行該指令時(shí)。

　　(b) 受 (c)及 (d)的影響，受益人的銀行在下述時(shí)間之最初期接受托付單：

　　(1) 當(dāng)銀行 (i)按照 §4a-405(a)或4a-405(b)規(guī)定支付受益人，或 (ii) 通知受益人收到該指令或受益人的帳戶(hù)已經(jīng)被記入貸方關(guān)于該指令，除非該通知表明該銀行將拒絕該指令，或者，在從指令的發(fā)送人處收到付款之前，關(guān)于該指令的資金不可以被撤回或使用。

　　(2) 當(dāng)銀行依照§4a-403(a)(1)或 4a-403(a)(2)，收到發(fā)送人的指令的全部金額的付款時(shí);或者

　　(3) the opening of the next funds-transfer business day of the bank following the payment date of the order if, at that time, the amount of the sender's order is fully covered by a withdrawable credit balance in an authorized account of the sender or the bank has otherwise received full payment from the sender, unless the order was rejected before that time or is rejected within (i) one hour after that time, or (ii) one hour after the opening of the next business day of the sender following the payment date if that time is later. If notice of rejection is received by the sender after the payment date and the authorized account of the sender does not bear interest, the bank is obliged to pay interest to the sender on the amount of the order for the number of days elapsing after the payment date to the day the sender receives notice or learns that the order was not accepted, counting that day as an elapsed day. If the withdrawable credit balance during that period falls below the amount of the order, the amount of interest payable is reduced accordingly.

　　(c) Acceptance of a payment order cannot occur before the order is received by the receiving bank. Acceptance does not occur under subsection (b)(2) or (b)(3) if the beneficiary of the payment order does not have an account with the receiving bank, the account has been closed, or the receiving bank is not permitted by law to receive credits for the beneficiary's account.

　　(d) A payment order issued to the originator's bank cannot be accepted until the payment date if the bank is the beneficiary's bank, or the execution date if the bank is not the beneficiary's bank. If the originator's bank executes the originator's payment order before the execution date or pays the beneficiary of the originator's payment order before the payment date and the payment order is subsequently canceled pursuant to Section 4A-211(b), the bank may recover from the beneficiary any payment received to the extent allowed by the law governing mistake and restitution.

　　(3) 該指令的付款之日的該銀行的下一個(gè)資金轉(zhuǎn)移營(yíng)業(yè)日的開(kāi)張時(shí)，在那時(shí)，發(fā)送人的指令的金額完全包含于發(fā)送人的授權(quán)帳戶(hù)的可提取的貸方余額，或者該銀行已經(jīng)另外地從發(fā)送人收到充分的付款，除非該指令被拒絕在那時(shí)之前，或者被拒絕在下列時(shí)間內(nèi)(i) 在那時(shí)之后一個(gè)小時(shí)之內(nèi)，或(ii)發(fā)送人的付款之日的下一個(gè)營(yíng)業(yè)日的開(kāi)張時(shí)間之后一個(gè)小時(shí)，若那個(gè)時(shí)間更晚。若發(fā)送人在付款日之后收到拒絕通知，并且發(fā)送人的授權(quán)帳戶(hù)不提供利息，該銀行應(yīng)當(dāng)向發(fā)送人支付該指令在付款日后到發(fā)送人收到通知或知道該指令不被接受時(shí)經(jīng)過(guò)的期間的利息，計(jì)算該日為終止之日。若可提取的貸方余額在該期間降到指令的金額之下，該應(yīng)付的利息金額相應(yīng)減少。

　　(c) 在收款行收到該指令之前，托付單的接受不能發(fā)生。接受不發(fā)生在 (b)(2) 或 (b)(3)下，若托付單的受益人在收款行沒(méi)有帳戶(hù)，該帳戶(hù)已經(jīng)被關(guān)閉，或者法律不允許該收款行為受益人的帳戶(hù)收取存款。

　　(d) 若該銀行是受益人的銀行，在付款日前;若該銀行不是受益人的銀行，在執(zhí)行之日前，簽發(fā)給創(chuàng)立者的銀行的托付單不得被接受，若創(chuàng)立者的銀行在執(zhí)行日前執(zhí)行創(chuàng)立者的托付單，或在付款日前支付創(chuàng)立者的托付單的受益人，并且該托付單隨后被依照§4a-211(b)取消，在調(diào)整錯(cuò)誤和恢復(fù)原狀的法律允許的范圍內(nèi)，該銀行可以向受益人追回任何收到的付款。

　　§ 4A-210. REJECTION OF PAYMENT ORDER. 托付單的拒絕.

　　(a) A payment order is rejected by the receiving bank by a notice of rejection transmitted to the sender orally, electronically, or in writing. A notice of rejection need not use any particular words and is sufficient if it indicates that the receiving bank is rejecting the order or will not execute or pay the order. Rejection is effective when the notice is given if transmission is by a means that is reasonable in the circumstances. If notice of rejection is given by a means that is not reasonable, rejection is effective when the notice is received. If an agreement of the sender and receiving bank establishes the means to be used to reject a payment order, (i) any means complying with the agreement is reasonable and (ii) any means not complying is not reasonable unless no significant delay in receipt of the notice resulted from the use of the noncomplying means.

　　(a) 收款行通過(guò)口頭、電子或書(shū)面形式地傳輸給發(fā)送人的拒絕通知拒絕托付單。拒絕通知不需要使用任何特定的詞語(yǔ)，并且，若其表明收款行將拒絕該指令或不將執(zhí)行或支付該指令，即為充分。若傳輸是通過(guò)一個(gè)在該情形為合理的方法送達(dá)，則拒絕為有效。若拒絕通知是通過(guò)不合理的方法送達(dá)，當(dāng)該通知被收到時(shí)該拒絕生效。若發(fā)送人與收款行的協(xié)議確定該方法用作拒絕托付單，(i) 任何符合該協(xié)議的方法為合理，并且(ii) 任何不符合的方法為不合理，除非使用該不符合的方法接收通知不造成沒(méi)有重大遲延。

　　(b) This subsection applies if a receiving bank other than the beneficiary's bank fails to execute a payment order despite the existence on the execution date of a withdrawable credit balance in an authorized account of the sender sufficient to cover the order. If the sender does not receive notice of rejection of the order on the execution date and the authorized account of the sender does not bear interest, the bank is obliged to pay interest to the sender on the amount of the order for the number of days elapsing after the execution date to the earlier of the day the order is canceled pursuant to Section 4A-211(d) or the day the sender receives notice or learns that the order was not executed, counting the final day of the period as an elapsed day. If the withdrawable credit balance during that period falls below the amount of the order, the amount of interest is reduced accordingly.

　　(c) If a receiving bank suspends payments, all unaccepted payment orders issued to it are deemed rejected at the time the bank suspends payments.

　　(d) Acceptance of a payment order precludes a later rejection of the order. Rejection of a payment order precludes a later acceptance of the order.

　　(a) 收款行通過(guò)口頭、電子或書(shū)面形式地傳輸給發(fā)送人的拒絕通知拒絕托付單。拒絕通知不需要使用任何特定的詞語(yǔ)，并且，若其表明收款行將拒絕該指令或不將執(zhí)行或支付該指令，即為充分。若傳輸是通過(guò)一個(gè)在該情形為合理的方法送達(dá)，則拒絕為有效。若拒絕通知是通過(guò)不合理的方法送達(dá)，當(dāng)該通知被收到時(shí)該拒絕生效。若發(fā)送人與收款行的協(xié)議確定該方法用作拒絕托付單，(i) 任何符合該協(xié)議的方法為合理，并且(ii) 任何不符合的方法為不合理，除非使用該不符合的方法接收通知不造成沒(méi)有重大遲延。

　　§ 4A-211. CANCELLATION AND AMENDMENT OF PAYMENT ORDER.

　　托付單的取消和變更.

　　(a) A communication of the sender of a payment order cancelling or amending the order may be transmitted to the receiving bank orally, electronically, or in writing. If a security procedure is in effect between the sender and the receiving bank, the communication is not effective to cancel or amend the order unless the communication is verified pursuant to the security procedure or the bank agrees to the cancellation or amendment.

　　(b) Subject to subsection (a), a communication by the sender cancelling or amending a payment order is effective to cancel or amend the order if notice of the communication is received at a time and in a manner affording the receiving bank a reasonable opportunity to act on the communication before the bank accepts the payment order.

　　(c) After a payment order has been accepted, cancellation or amendment of the order is not effective unless the receiving bank agrees or a funds-transfer system rule allows cancellation or amendment without agreement of the bank.

　　(1) With respect to a payment order accepted by a receiving bank other than the beneficiary's bank, cancellation or amendment is not effective unless a conforming cancellation or amendment of the payment order issued by the receiving bank is also made.

　　(2) With respect to a payment order accepted by the beneficiary's bank, cancellation or amendment is not effective unless the order was issued in execution of an unauthorized payment order, or because of a mistake by a sender in the funds transfer which resulted in the issuance of a payment order (i) that is a duplicate of a payment order previously issued by the sender, (ii) that orders payment to a beneficiary not entitled to receive payment from the originator, or (iii) that orders payment in an amount greater than the amount the beneficiary was entitled to receive from the originator. If the payment order is canceled or amended, the beneficiary's bank is entitled to recover from the beneficiary any amount paid to the beneficiary to the extent allowed by the law governing mistake and restitution.

　　(a) 取消或變更指令的托付單的發(fā)送人的信息可以通過(guò)口頭、電子、或書(shū)面形式傳輸給收款行。若安全程序在發(fā)送人與收款行之間有效，該信息不具有取消或變更該指令的效力，除非該信息依照安全程序核實(shí)，或者該銀行同意取消或變更。

　　(b) 受(a)款影響，發(fā)送人取消或變更托付單的信息具有取消或變更該指令的效力，若在該銀行接受該托付單之前，該信息的通知提供收款行合理的機(jī)會(huì)按該信息行動(dòng)的時(shí)間和方式被收到。

　　(c) 在托付單被接受之后，該指令的取消或變更無(wú)效，除非收款行同意或資金轉(zhuǎn)移系統(tǒng)規(guī)則允許無(wú)須該銀行的同意即可取消或變更。

　　(1) 關(guān)于除受益人的銀行之外的收款行接受的托付單，取消或變更無(wú)效，除非收款行簽發(fā)的托付單的一致的取消或變更也被作出。

　　(2) 關(guān)于受益人的銀行接受的托付單，取消或變更無(wú)效，除非該指令在未經(jīng)授權(quán)的托付單的執(zhí)行中簽發(fā)，或由于發(fā)送人在資金轉(zhuǎn)移中的導(dǎo)致托付單的簽發(fā)的錯(cuò)誤，(i)該錯(cuò)誤是發(fā)送人以前簽發(fā)的托付單的復(fù)制件，(ii)其指示付款給無(wú)權(quán)向創(chuàng)立者收取付款的受益人，或(iii)其指示付款的金額超過(guò)受益人有權(quán)向創(chuàng)立者收取的金額。若托付單被取消或變更，在調(diào)整錯(cuò)誤和恢復(fù)原狀的法律允許的范圍內(nèi)，受益人的銀行有權(quán)向受益人追回任何向受益人支付的金額。

　　(d) An unaccepted payment order is canceled by operation of law at the close of the fifth funds-transfer business day of the receiving bank after the execution date or payment date of the order.

　　(e) A canceled payment order cannot be accepted. If an accepted payment order is canceled, the acceptance is nullified and no person has any right or obligation based on the acceptance. Amendment of a payment order is deemed to be cancellation of the original order at the time of amendment and issue of a new payment order in the amended form at the same time.

　　(f) Unless otherwise provided in an agreement of the parties or in a funds-transfer system rule, if the receiving bank, after accepting a payment order, agrees to cancellation or amendment of the order by the sender or is bound by a funds-transfer system rule allowing cancellation or amendment without the bank's agreement, the sender, whether or not cancellation or amendment is effective, is liable to the bank for any loss and expenses, including reasonable attorney's fees, incurred by the bank as a result of the cancellation or amendment or attempted cancellation or amendment.

　　(g) A payment order is not revoked by the death or legal incapacity of the sender unless the receiving bank knows of the death or of an adjudication of incapacity by a court of competent jurisdiction and has reasonable opportunity to act before acceptance of the order.

　　(h) A funds-transfer system rule is not effective to the extent it conflicts with subsection (c)(2).

　　(d) 法律的實(shí)施導(dǎo)致的不被接受的托付單在收款行的在該指令的執(zhí)行之日或付款之日之后的第五個(gè)資金轉(zhuǎn)移營(yíng)業(yè)日結(jié)束時(shí)取消。

　　(e) 被取消的托付單不得被接受。若被接受的托付單被取消，對(duì)其所做的接受無(wú)效，并且，任何人都不在該接受的基礎(chǔ)上享有任何權(quán)利或義務(wù)。托付單的變更被視為原指令在變更時(shí)取消，并且新的托付單以變更后的形式同時(shí)發(fā)行。

　　(f) 除非當(dāng)事人另有約定或者資金轉(zhuǎn)移系統(tǒng)規(guī)則另有規(guī)定，若收款行在接受托付單之后同意發(fā)送人對(duì)該指令的取消或變更，或受允許無(wú)須銀行的同意即可取消或變更的資金轉(zhuǎn)移系統(tǒng)規(guī)則約束，無(wú)論取消或變更是否有效，發(fā)送人對(duì)該銀行的任何損失和費(fèi)用負(fù)責(zé)，包括該銀行遭受的取消或變更或嘗試取消或變更所導(dǎo)致的合理的律師費(fèi)。

　　(g) 托付單不因發(fā)送人的死亡或無(wú)行為能力而撤回，除非收款行知道其死亡或知道有權(quán)法院的禁治產(chǎn)宣告，并且有合理的機(jī)會(huì)在該指令接受前行動(dòng)。

　　(h) 資金轉(zhuǎn)移系統(tǒng)規(guī)則在與(c)(2)沖突的范圍內(nèi)無(wú)效。

　　§ 4A-212. LIABILITY AND DUTY OF RECEIVING BANK REGARDING UNACCEPTED PAYMENT ORDER.

　　收款行關(guān)于未被接受的托付單的責(zé)任和義務(wù).

　　If a receiving bank fails to accept a payment order that it is obliged by express agreement to accept, the bank is liable for breach of the agreement to the extent provided in the agreement or in this Article, but does not otherwise have any duty to accept a payment order or, before acceptance, to take any action, or refrain from taking action, with respect to the order except as provided in this Article or by express agreement. Liability based on acceptance arises only when acceptance occurs as stated in Section 4A-209, and liability is limited to that provided in this Article. A receiving bank is not the agent of the sender or beneficiary of the payment order it accepts, or of any other party to the funds transfer, and the bank owes no duty to any party to the funds transfer except as provided in this Article or by express agreement.

　　若收款行未能接受其應(yīng)通過(guò)明示同意接受的托付單，該銀行應(yīng)負(fù)違約責(zé)任，在該協(xié)議規(guī)定或本篇規(guī)定范圍內(nèi)，但此外對(duì)該托付單不負(fù)任何義務(wù)，或者，關(guān)于該指令，在接受前采取任何行動(dòng)，或者忍住采取行動(dòng)，除非本篇另有規(guī)定或者明示協(xié)議另有約定。以承兌為基礎(chǔ)的債務(wù)僅產(chǎn)生于承兌依照§4a-209規(guī)定發(fā)生時(shí)，并且債務(wù)限于本篇規(guī)定。收款行不是其承兌的托付單的發(fā)送人或受益人的代理人，或者資金轉(zhuǎn)移的任何其他當(dāng)事人的代理人，并且，該銀行不對(duì)資金轉(zhuǎn)移的任何當(dāng)事人承擔(dān)義務(wù)，除非本篇另有規(guī)定或者明示協(xié)議另有約定。

　　PART 3. EXECUTION OF SENDER'S PAYMENT ORDER BY RECEIVING BANK [Table of Contents] .收款行對(duì)發(fā)送人的托付單的執(zhí)行

　　§ 4A-301. EXECUTION AND EXECUTION DATE. 執(zhí)行和執(zhí)行日期

　　(a) A payment order is "executed" by the receiving bank when it issues a payment order intended to carry out the payment order received by the bank. A payment order received by the beneficiary's bank can be accepted but cannot be executed.

　　(b) "Execution date" of a payment order means the day on which the receiving bank may properly issue a payment order in execution of the sender's order. The execution date may be determined by instruction of the sender but cannot be earlier than the day the order is received and, unless otherwise determined, is the day the order is received. If the sender's instruction states a payment date, the execution date is the payment date or an earlier date on which execution is reasonably necessary to allow payment to the beneficiary on the payment date.

　　(a) 托付單被收款行 "執(zhí)行" 當(dāng)其簽發(fā)一張托付單，打算執(zhí)行該銀行收到的托付單時(shí)。受益人的銀行收到的托付單可以被接受但不得被執(zhí)行。

　　(b) 托付單的"執(zhí)行日期"指收款行可以在發(fā)送人的指令的執(zhí)行中適當(dāng)?shù)睾灠l(fā)托付單的日期。執(zhí)行日期可以通過(guò)發(fā)送人的指示確定，但不得早于該指令被收到之日，并且，除非有相反的確定，為該指令被收到之日。若發(fā)送人的指示規(guī)定了付款日期，該執(zhí)行日期是付款日期或者更早的、執(zhí)行是合理必要的以允許在付款日期付款給受益人的日期。

　　§ 4A-302. OBLIGATIONS OF RECEIVING BANK IN EXECUTION OF PAYMENT ORDER. 在托付單的執(zhí)行中的收款行的債務(wù)

　　(a) Except as provided in subsections (b) through (d), if the receiving bank accepts a payment order pursuant to Section 4A-209(a), the bank has the following obligations in executing the order:

　　(1) The receiving bank is obliged to issue, on the execution date, a payment order complying with the sender's order and to follow the sender's instructions concerning (i) any intermediary bank or funds-transfer system to be used in carrying out the funds transfer, or (ii) the means by which payment orders are to be transmitted in the funds transfer. If the originator's bank issues a payment order to an intermediary bank, the originator's bank is obliged to instruct the intermediary bank according to the instruction of the originator. An intermediary bank in the funds transfer is similarly bound by an instruction given to it by the sender of the payment order it accepts.

　　(a) 除非(b)到(d)款另有規(guī)定，若收款行依照§4a-209(a)接受托付單，在該指令的執(zhí)行中，該銀行負(fù)有下列義務(wù)：

　　(1) 收款行應(yīng)當(dāng)在執(zhí)行日期簽發(fā)符合發(fā)送人的指令的托付單，并且遵循發(fā)送人的關(guān)于下述的指示 (i) 將在執(zhí)行資金轉(zhuǎn)移中使用的任何中間銀行或資金轉(zhuǎn)移系統(tǒng)，或(ii)在資金轉(zhuǎn)移中使用的傳輸托付單的方式。若創(chuàng)立者的銀行簽發(fā)托付單給中間銀行，創(chuàng)立者的銀行應(yīng)當(dāng)依照創(chuàng)立者的指示而指示中間銀行。在資金轉(zhuǎn)移中的中間銀行同意受其接受的托付單的發(fā)送人給其的指示約束。

　　(2) If the sender's instruction states that the funds transfer is to be carried out telephonically or by wire transfer or otherwise indicates that the funds transfer is to be carried out by the most expeditious means, the receiving bank is obliged to transmit its payment order by the most expeditious available means, and to instruct any intermediary bank accordingly. If a sender's instruction states a payment date, the receiving bank is obliged to transmit its payment order at a time and by means reasonably necessary to allow payment to the beneficiary on the payment date or as soon thereafter as is feasible.

　　(2) 若發(fā)送人的指示規(guī)定資金轉(zhuǎn)移將通過(guò)電話執(zhí)行，或者電匯或其他方式執(zhí)行，該資金轉(zhuǎn)移將被以嘴迅捷的方式執(zhí)行，收款行應(yīng)當(dāng)通過(guò)最便捷的可獲得的方式傳輸其托付單，并且相應(yīng)地指示任何中間銀行。若發(fā)送人的指示規(guī)定付款日期，收款行應(yīng)當(dāng)在某時(shí)和合理必要地允許在付款日或其后的可行日期付款給受益人的方法傳輸其托付單。

　　(b) Unless otherwise instructed, a receiving bank executing a payment order may (i) use any funds-transfer system if use of that system is reasonable in the circumstances, and (ii) issue a payment order to the beneficiary's bank or to an intermediary bank through which a payment order conforming to the sender's order can expeditiously be issued to the beneficiary's bank if the receiving bank exercises ordinary care in the selection of the intermediary bank. A receiving bank is not required to follow an instruction of the sender designating a funds-transfer system to be used in carrying out the funds transfer if the receiving bank, in good faith, determines that it is not feasible to follow the instruction or that following the instruction would unduly delay completion of the funds transfer.

　　(b) 除非另有指示，執(zhí)行托付單的收款行可以 (i) 使用任何資金轉(zhuǎn)移系統(tǒng)若在當(dāng)時(shí)的環(huán)境下該系統(tǒng)的使用是合理的，及(ii) 簽發(fā)托付單給受益人的銀行或給中間銀行，使得符合發(fā)送人的指令的托付單可以迅捷地簽發(fā)給受益人的銀行，若該收款行在中間銀行的選擇中盡了通常的注意義務(wù)。若收款行善意地確定遵循該指示是不可行的，或遵循該指示將不適當(dāng)?shù)匮诱`資金轉(zhuǎn)移的完成，收款行無(wú)須遵循指定在執(zhí)行資金轉(zhuǎn)移中使用的資金轉(zhuǎn)移系統(tǒng)的發(fā)送人的指示。

　　(c) Unless subsection (a)(2) applies or the receiving bank is otherwise instructed, the bank may execute a payment order by transmitting its payment order by first class mail or by any means reasonable in the circumstances. If the receiving bank is instructed to execute the sender's order by transmitting its payment order by a particular means, the receiving bank may issue its payment order by the means stated or by any means as expeditious as the means stated.

　　(d) Unless instructed by the sender, (i) the receiving bank may not obtain payment of its charges for services and expenses in connection with the execution of the sender's order by issuing a payment order in an amount equal to the amount of the sender's order less the amount of the charges, and (ii) may not instruct a subsequent receiving bank to obtain payment of its charges in the same manner.

　　(c) 除非(a)(2)適用或收款行另有指示，該銀行可以通過(guò)頭等郵件或通過(guò)在當(dāng)時(shí)情況下合理的任何方式傳輸其托付單，以執(zhí)行托付單。若收款行被指示通過(guò)特定的方式傳輸其托付單以執(zhí)行發(fā)送人的指示，收款行可以通過(guò)規(guī)定的方式或者通過(guò)規(guī)定的盡可能快捷的方式簽發(fā)托付單。

　　(d) 除非發(fā)送人有指示，(i) 收款行不得獲得在執(zhí)行發(fā)送人的指令中發(fā)生的費(fèi)用和服務(wù)費(fèi)用的付款，通過(guò)簽發(fā)托付單上，發(fā)送人的指令的金額減去主張支付的金額的差額，及 (ii) 不得以相同的方式指示后來(lái)的收款行獲得其主張支付的付款。

　　§ 4A-303. ERRONEOUS EXECUTION OF PAYMENT ORDER. 托付單的錯(cuò)誤執(zhí)行.

　　(a) A receiving bank that (i) executes the payment order of the sender by issuing a payment order in an amount greater than the amount of the sender's order, or (ii) issues a payment order in execution of the sender's order and then issues a duplicate order, is entitled to payment of the amount of the sender's order under Section 4A-402(c) if that subsection is otherwise satisfied. The bank is entitled to recover from the beneficiary of the erroneous order the excess payment received to the extent allowed by the law governing mistake and restitution.

　　(b) A receiving bank that executes the payment order of the sender by issuing a payment order in an amount less than the amount of the sender's order is entitled to payment of the amount of the sender's order under Section 4A-402(c) if (i) that subsection is otherwise satisfied and (ii) the bank corrects its mistake by issuing an additional payment order for the benefit of the beneficiary of the sender's order. If the error is not corrected, the issuer of the erroneous order is entitled to receive or retain payment from the sender of the order it accepted only to the extent of the amount of the erroneous order. This subsection does not apply if the receiving bank executes the sender's payment order by issuing a payment order in an amount less than the amount of the sender's order for the purpose of obtaining payment of its charges for services and expenses pursuant to instruction of the sender.

　　(a) 收款行 (i)通過(guò)簽發(fā)比發(fā)送人的指令的金額更大的金額的托付單執(zhí)行發(fā)送人的托付單，或(ii) 簽發(fā)托付單執(zhí)行發(fā)送人的指令，然后簽發(fā)指令副本，在§4a-402(c)下，對(duì)發(fā)送人的指令的金額的付款享有權(quán)利，若該款另外地被遵循。在調(diào)整錯(cuò)誤和恢復(fù)原狀的法律允許的范圍內(nèi)，該銀行有權(quán)向錯(cuò)誤指令的受益人追回被收到的超額付款。

　　(b) 執(zhí)行簽發(fā)少于發(fā)送人的指令的金額的托付單的發(fā)送人的托付單的收款行有權(quán)享有發(fā)送人的指令的金額的付款，在§4a-402(c)下，若(i) 該款另外被遵守并且(ii) 為發(fā)送人的指令的受益人的 利益，該銀行通過(guò)簽發(fā)附加的托付單糾正其錯(cuò)誤。若該失誤未被糾正，錯(cuò)誤的指令的簽發(fā)人有權(quán)從其接受的指令的發(fā)送人處收到或保持付款，僅限于該錯(cuò)誤的指令的金額范圍內(nèi)。本款不適用若收款行執(zhí)行發(fā)送人的托付單通過(guò)發(fā)行少于發(fā)送人的指令的金額的托付單，為獲得其主張支付的依照發(fā)送人的指示而產(chǎn)生的服務(wù)和費(fèi)用的付款的目的。

　　(c) If a receiving bank executes the payment order of the sender by issuing a payment order to a beneficiary different from the beneficiary of the sender's order and the funds transfer is completed on the basis of that error, the sender of the payment order that was erroneously executed and all previous senders in the funds transfer are not obliged to pay the payment orders they issued. The issuer of the erroneous order is entitled to recover from the beneficiary of the order the payment received to the extent allowed by the law governing mistake and restitution.

　　(c) 若收款行執(zhí)行發(fā)送人的托付單通過(guò)簽發(fā)托付單給不同于發(fā)送人的指令的受益人之受益人，并且資金轉(zhuǎn)移在該失誤的基礎(chǔ)上完成，被錯(cuò)誤執(zhí)行的托付單的發(fā)送人和所有以前在資金轉(zhuǎn)移中的發(fā)送人不必對(duì)其以前簽發(fā)的托付單付款。在調(diào)整錯(cuò)誤和恢復(fù)原狀的法律允許的范圍內(nèi)，錯(cuò)誤指令的簽發(fā)人有權(quán)向該指令的受益人追回被收到的付款。

　　§ 4A-304. DUTY OF SENDER TO REPORT ERRONEOUSLY EXECUTED PAYMENT ORDER. 發(fā)送人報(bào)告錯(cuò)誤執(zhí)行的托付單的義務(wù).

　　If the sender of a payment order that is erroneously executed as stated in Section 4A-303 receives notification from the receiving bank that the order was executed or that the sender's account was debited with respect to the order, the sender has a duty to exercise ordinary care to determine, on the basis of information available to the sender, that the order was erroneously executed and to notify the bank of the relevant facts within a reasonable time not exceeding 90 days after the notification from the bank was received by the sender. If the sender fails to perform that duty, the bank is not obliged to pay interest on any amount refundable to the sender under Section 4A-402(d) for the period before the bank learns of the execution error. The bank is not entitled to any recovery from the sender on account of a failure by the sender to perform the duty stated in this section.

　　若§4a-303規(guī)定的被錯(cuò)誤執(zhí)行的托付單的發(fā)送人從收款行收到通知，關(guān)于該指令，該指令被執(zhí)行或發(fā)送人的帳戶(hù)被記入借方，以發(fā)送人可獲得的信息為基礎(chǔ)，發(fā)送人應(yīng)當(dāng)盡通常的注意義務(wù)以確定，該指令被錯(cuò)誤執(zhí)行，并且，來(lái)自銀行的通知由發(fā)送人收到之后不超過(guò)90日的合理時(shí)間內(nèi)，通知銀行相關(guān)的事實(shí)。若發(fā)送人未能履行該義務(wù)，該銀行不必支付發(fā)送人在§4a-402(d) 下可追回的任何金額在該銀行知道該錯(cuò)誤執(zhí)行之前的期間的利息。由于發(fā)送人未能履行本條規(guī)定的義務(wù)，該銀行無(wú)權(quán)向發(fā)送人行使任何追回權(quán)。

　　§ 4A-305. LIABILITY FOR LATE OR IMPROPER EXECUTION OR FAILURE TO EXECUTE PAYMENT ORDER.

　　遲延或不當(dāng)執(zhí)行或未能執(zhí)行托付單的責(zé)任.

　　(a) If a funds transfer is completed but execution of a payment order by the receiving bank in breach of Section 4A-302 results in delay in payment to the beneficiary, the bank is obliged to pay interest to either the originator or the beneficiary of the funds transfer for the period of delay caused by the improper execution. Except as provided in subsection (c), additional damages are not recoverable.

　　(b) If execution of a payment order by a receiving bank in breach of Section 4A-302 results in (i) noncompletion of the funds transfer, (ii) failure to use an intermediary bank designated by the originator, or (iii) issuance of a payment order that does not comply with the terms of the payment order of the originator, the bank is liable to the originator for its expenses in the funds transfer and for incidental expenses and interest losses, to the extent not covered by subsection (a), resulting from the improper execution. Except as provided in subsection (c), additional damages are not recoverable.

　　(a) 若資金轉(zhuǎn)移被完成，但是收款行違反 §4a-302規(guī)定的托付單的執(zhí)行導(dǎo)致對(duì)受益人付款的遲延，該銀行應(yīng)當(dāng)向資金轉(zhuǎn)移的創(chuàng)立者或受益人支付由于該不當(dāng)執(zhí)行所引起的遲延期間的利息。除非(c)款另有規(guī)定，此外的損害賠償不得主張。

　　(b) 若收款行違反 §4a-302規(guī)定的托付單的執(zhí)行導(dǎo)致(i) 資金轉(zhuǎn)移未完成，(ii) 未能使用創(chuàng)立者指定的中間銀行，或(iii)創(chuàng)立者的托付單的條款的托付單的簽發(fā)，在(a)款不包含的范圍內(nèi)，該銀行應(yīng)對(duì)創(chuàng)立者承擔(dān)產(chǎn)生于該不當(dāng)執(zhí)行的資金轉(zhuǎn)移之費(fèi)用的責(zé)任，并且應(yīng)對(duì)額外開(kāi)支和利息損失負(fù)責(zé)。除非(c)款另有規(guī)定，此外的損害賠償不得主張。

　　(c) In addition to the amounts payable under subsections (a) and (b), damages, including consequential damages, are recoverable to the extent provided in an express written agreement of the receiving bank.

　　(d) If a receiving bank fails to execute a payment order it was obliged by express agreement to execute, the receiving bank is liable to the sender for its expenses in the transaction and for incidental expenses and interest losses resulting from the failure to execute. Additional damages, including consequential damages, are recoverable to the extent provided in an express written agreement of the receiving bank, but are not otherwise recoverable.

　　(e) Reasonable attorney's fees are recoverable if demand for compensation under subsection (a) or (b) is made and refused before an action is brought on the claim. If a claim is made for breach of an agreement under subsection (d) and the agreement does not provide for damages, reasonable attorney's fees are recoverable if demand for compensation under subsection (d) is made and refused before an action is brought on the claim.

　　(c) 除(a) 、(b)款下應(yīng)付的金額之外，包括間接損害的賠償金在內(nèi)，收款行的明示的書(shū)面協(xié)議中規(guī)定的范圍內(nèi)損害賠償金可追回。

　　(d) 若收款行未能執(zhí)行其必須通過(guò)明示協(xié)議執(zhí)行的托付單，收款行應(yīng)對(duì)發(fā)送人就其交易中的費(fèi)用、額外開(kāi)支、由于該過(guò)失而未能執(zhí)行導(dǎo)致的利息損失負(fù)責(zé)。額外損失，包括間接損失，在收款行明示書(shū)面協(xié)議規(guī)定的范圍內(nèi)可追回，但此外則不可追回。

　　(e) 合理的律師費(fèi)可追回，若在關(guān)于該權(quán)利的訴訟被提起之前，(a)或(b)款下的索賠被作出并被拒絕。若違反(d)款下的協(xié)議的主張被提出，并且該協(xié)議未規(guī)定損害賠償金，合理的律師費(fèi)可追回，若在關(guān)于該權(quán)利的訴訟被提起之前，(d) 款下的索賠被作出并被拒絕。

　　(f) Except as stated in this section, the liability of a receiving bank under subsections (a) and (b) may not be varied by agreement.

　　(f) 除非本條另有規(guī)定， 收款行在(a)、(b)款下的責(zé)任不得被協(xié)議變更。

　　PART 4. PAYMENT [Table of Contents] 付款

　　§ 4A-401. PAYMENT DATE. 付款日期.

　　"Payment date" of a payment order means the day on which the amount of the order is payable to the beneficiary by the beneficiary's bank. The payment date may be determined by instruction of the sender but cannot be earlier than the day the order is received by the beneficiary's bank and, unless otherwise determined, is the day the order is received by the beneficiary's bank.

　　托付單的"付款日期"指受益人的銀行應(yīng)向受益人支付該指令的金額之日。付款日期可以通過(guò)發(fā)送人的指示確定，但不得早于受益人的銀行收到該指令之日，并且，除非另外確定，為受益人的銀行收到該指令之日。

　　§ 4A-402. OBLIGATION OF SENDER TO PAY RECEIVING BANK.

　　發(fā)送人向收款行付款的義務(wù).

　　(a) This section is subject to Sections 4A-205 and 4A-207.

　　(b) With respect to a payment order issued to the beneficiary's bank, acceptance of the order by the bank obliges the sender to pay the bank the amount of the order, but payment is not due until the payment date of the order.

　　(c) This subsection is subject to subsection (e) and to Section 4A-303. With respect to a payment order issued to a receiving bank other than the beneficiary's bank, acceptance of the order by the receiving bank obliges the sender to pay the bank the amount of the sender's order. Payment by the sender is not due until the execution date of the sender's order. The obligation of that sender to pay its payment order is excused if the funds transfer is not completed by acceptance by the beneficiary's bank of a payment order instructing payment to the beneficiary of that sender's payment order.

　　(a) 本條受 4a-205和4a-207影響。

　　(b) 關(guān)于簽發(fā)給受益人的銀行的托付單，該銀行對(duì)指令的接受責(zé)成發(fā)送人向該銀行支付該指令的金額，但付款在該指令的付款之日前未到期。

　　(c) 本款受(e) 款和§4a-303影響。關(guān)于簽發(fā)給除受益人的銀行之外的收款行的托付單，收款行對(duì)指令的接受責(zé)成發(fā)送人向該銀行支付發(fā)送人的指令的金額。發(fā)送人的付款發(fā)送人的指令的執(zhí)行之日前未到期。發(fā)送人支付其付款指令的義務(wù)被免除，若指示向該發(fā)送人的托付單的受益人付款的托付單的受益人的銀行的接受未完成資金轉(zhuǎn)移。

　　(d) If the sender of a payment order pays the order and was not obliged to pay all or part of the amount paid, the bank receiving payment is obliged to refund payment to the extent the sender was not obliged to pay. Except as provided in Sections 4A-204 and 4A-304, interest is payable on the refundable amount from the date of payment.

　　(e) If a funds transfer is not completed as stated in subsection (c) and an intermediary bank is obliged to refund payment as stated in subsection (d) but is unable to do so because not permitted by applicable law or because the bank suspends payments, a sender in the funds transfer that executed a payment order in compliance with an instruction, as stated in Section 4A-302(a)(1), to route the funds transfer through that intermediary bank is entitled to receive or retain payment from the sender of the payment order that it accepted. The first sender in the funds transfer that issued an instruction requiring routing through that intermediary bank is subrogated to the right of the bank that paid the intermediary bank to refund as stated in subsection (d).

　　(f) The right of the sender of a payment order to be excused from the obligation to pay the order as stated in subsection (c) or to receive refund under subsection (d) may not be varied by agreement.

　　(d) 若托付單的發(fā)送人支付該指令，并且不必支付被支付的全部或部分金額，收到付款的銀行必須在發(fā)送人不必支付的范圍內(nèi)退還付款。除非4a-204 and 4a-304有規(guī)定，可退還的金額從付款之日起的利息應(yīng)當(dāng)支付。

　　(e) 若資金轉(zhuǎn)移如 (c)款規(guī)定不被完成，并且中間銀行必須退還付款如(d) 款規(guī)定，但是由于可適用的法律不允許而未能如此作為，或因?yàn)樵撱y行中止付款，如§4a-302(a)(1)規(guī)定，執(zhí)行符合一項(xiàng)指示的托付單，通過(guò)中間銀行發(fā)送資金轉(zhuǎn)移的資金轉(zhuǎn)移中的發(fā)送人有權(quán)收取或保持其接受的托付單的發(fā)送人的付款。在資金轉(zhuǎn)移中，簽發(fā)要求通過(guò)中間銀行發(fā)送的指示的第一發(fā)送人，由支付中間銀行如(d)款規(guī)定退款的銀行的權(quán)利取代。

　　(f) 托付單的發(fā)送人的享有免除(c)款規(guī)定支付該指令的義務(wù)的權(quán)利，或在(d)款下收取退款的權(quán)利不得協(xié)議變更。

　　§ 4A-403. PAYMENT BY SENDER TO RECEIVING BANK. 發(fā)送人向收款行付款

　　(a) Payment of the sender's obligation under Section 4A-402 to pay the receiving bank occurs as follows:

　　(1) If the sender is a bank, payment occurs when the receiving bank receives final settlement of the obligation through a Federal Reserve Bank or through a funds-transfer system.

　　(2) If the sender is a bank and the sender (i) credited an account of the receiving bank with the sender, or (ii) caused an account of the receiving bank in another bank to be credited, payment occurs when the credit is withdrawn or, if not withdrawn, at midnight of the day on which the credit is withdrawable and the receiving bank learns of that fact.

　　(3) If the receiving bank debits an account of the sender with the receiving bank, payment occurs when the debit is made to the extent the debit is covered by a withdrawable credit balance in the account.

　　(a) 發(fā)送人在§4a-402下向收款行付款的義務(wù)發(fā)生如下：

　　(1) 若發(fā)送人是銀行，收款行通過(guò)聯(lián)邦儲(chǔ)備銀行或通過(guò)資金轉(zhuǎn)移系統(tǒng)收到該債務(wù)的最后結(jié)算時(shí)，付款發(fā)生。(2) 若發(fā)送人是銀行，并且發(fā)送人 (i) 與發(fā)送人對(duì)收款行的一個(gè)帳戶(hù)記入貸方，或(ii)引起收款行在其他銀行的一個(gè)帳戶(hù)被記入貸方，付款發(fā)生于存款提取時(shí)，或者，若未提取，存款可提取并且收款行知道該事實(shí)之日的午夜。

　　(3) 若收款行對(duì)發(fā)送人在收款行的帳戶(hù)記入借方，付款發(fā)生于當(dāng)借方在在該帳戶(hù)中的可提取的貸方余額所包含的借方范圍內(nèi)作出時(shí)。

　　(b) If the sender and receiving bank are members of a funds-transfer system that nets obligations multilaterally among participants, the receiving bank receives final settlement when settlement is complete in accordance with the rules of the system. The obligation of the sender to pay the amount of a payment order transmitted through the funds-transfer system may be satisfied, to the extent permitted by the rules of the system, by setting off and applying against the sender's obligation the right of the sender to receive payment from the receiving bank of the amount of any other payment order transmitted to the sender by the receiving bank through the funds-transfer system. The aggregate balance of obligations owed by each sender to each receiving bank in the funds-transfer system may be satisfied, to the extent permitted by the rules of the system, by setting off and applying against that balance the aggregate balance of obligations owed to the sender by other members of the system. The aggregate balance is determined after the right of setoff stated in the second sentence of this subsection has been exercised.

　　(b) 若發(fā)送人和收款行是在參與者之間多邊承擔(dān)義務(wù)的資金轉(zhuǎn)移系統(tǒng)的成員，收款行收取最終結(jié)算，當(dāng)結(jié)算與該系統(tǒng)規(guī)則一致地完成時(shí)。在該系統(tǒng)規(guī)則允許的范圍內(nèi)，發(fā)送人支付通過(guò)該資金轉(zhuǎn)移系統(tǒng)傳輸?shù)耐懈秵蔚慕痤~的義務(wù)可以被滿足，通過(guò)抵消和要求發(fā)送人履行義務(wù)，發(fā)送人向收款行收取付款的權(quán)利，該付款金額為收款行通過(guò)資金轉(zhuǎn)移系統(tǒng)傳輸給發(fā)送人的任何其他托付單的金額。在資金轉(zhuǎn)移系統(tǒng)中，在該系統(tǒng)規(guī)則允許的范圍內(nèi)，通過(guò)抵消發(fā)送人對(duì)該系統(tǒng)的其他成員所負(fù)債務(wù)合計(jì)余額和主張?jiān)撚囝~，每個(gè)發(fā)送人對(duì)每個(gè)收款行所負(fù)的債務(wù)的合計(jì)的余額可以被滿足。在本條第二句規(guī)定的抵消權(quán)已經(jīng)被實(shí)施之后，合計(jì)余額被確定。

　　(c) If two banks transmit payment orders to each other under an agreement that settlement of the obligations of each bank to the other under Section 4A-402 will be made at the end of the day or other period, the total amount owed with respect to all orders transmitted by one bank shall be set off against the total amount owed with respect to all orders transmitted by the other bank. To the extent of the setoff, each bank has made payment to the other.

　　(d) In a case not covered by subsection (a), the time when payment of the sender's obligation under Section 4A-402(b) or 4A-402(c) occurs is governed by applicable principles of law that determine when an obligation is satisfied.

　　(c) 若根據(jù)在§4a-402下每個(gè)銀行對(duì)其他銀行所負(fù)債務(wù)在日末或其他期間期末結(jié)算的協(xié)議，兩個(gè)銀行互相傳輸托付單，關(guān)于一個(gè)銀行傳輸?shù)乃兄噶?，?yīng)欠的全部金額應(yīng)當(dāng)與關(guān)于其他銀行傳輸?shù)乃兄噶顟?yīng)欠的總金額抵消。在抵消范圍內(nèi)，每個(gè)銀行已經(jīng)作出付款對(duì)方。

　　(d) 在(a)款不包含的情形，發(fā)送人的在§4a-402(b)或4a-402(c) 下的義務(wù)的付款發(fā)生時(shí)間受確定何時(shí)債務(wù)被清償?shù)姆傻倪m用原則調(diào)整。