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Widerruf der Kreditkartenzahlung nach Umsetzung der Zahlungsdienste-Richtlinie 2007/64/EG

Widerruf der Kreditkartenzahlung nach Umsetzung der Zahlungsdienste-Richtlinie 2007/64/EG

          
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About the Book

Studienarbeit aus dem Jahr 2013 im Fachbereich BWL - Bank, Börse, Versicherung, Note: 1,0, Hochschule Hannover (Wirtschaft und Informatik), Sprache: Deutsch, Abstract: Die Kreditkarte nimmt unter den verschiedenen Zahlungsinstrumenten eine herausragende Stellung ein. Gegenwärtig gibt es ca. eine Milliarden Kreditkarten weltweit und über zwanzig Millionen Vertragsunternehmen, die die Kreditkarte als Zahlungsmittel akzeptieren. Für den Verbraucher ist die Kreditkarte reizvoll, seine Rechnungen werden ihm kurzfristig gestundet und der Handel und das Dienstleistungsgewerbe tragen überwiegend die Kosten des Systems. Mit jeder Transaktion (wenn also der Kunde mit der Kreditkarte anstatt mit Bargeld zahlt), zahlt der Verkäufer einen Abschlag (Disagio) auf den Warenumsatz, an das Kreditkartenunternehmen. Jährlich werden allein in Deutschland über 500 Millionen Transaktionen per Kreditkarte abgewickelt, sei es bei Einkäufen im Geschäft oder beim Kauf im Internet. Die Bedeutung des Onlinehandels nimmt stetig zu. Der elementare Unterschied zwischen einem Internet-Einkauf und einem herkömmlichen Kauf liegt in dem Umstand, das der Kunde die Ware nicht in die Hand nehmen und damit überprüfen kann, ob sie eventuell fehlerhaft ist. Der Gesetzgeber wollte den Verbraucher aufgrund dieses Umstandes schützen und räumte ihm für derartige Geschäfte ein Widerrufsrecht ein. Der Kunde der mittels Kreditkarte zahlt kann die Zahlung, nach dem Urteil des Bundesgerichthofes vom 24.09.2002 - XI ZR 420/01, grundsätzlich aber nicht widerrufen. Ziel dieser Arbeit ist es, darzustellen weshalb der Gesetzgeber den Widerruf der Zahlung mittels Kreditkarte grundsätzlich als unwiderruflich betrachtet und zu schauen ob die Zahlungsdienstrichtlinie 2007/64/EG eine Veränderung hinsichtlich dieser Stellung bezweckte, da eines ihrer Vorhaben lautete, das Risiko des Zahlungsdienstnutzers zu minimieren. Die Arbeit verschafft dem Leser zunächst einen Überblick über die Entste- hungsgeschichte d


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Product Details
  • ISBN-13: 9783656674702
  • Publisher: Grin Publishing
  • Binding: Paperback
  • Language: German
  • Returnable: N
  • Weight: 59 gr
  • ISBN-10: 3656674701
  • Publisher Date: 27 Jun 2014
  • Height: 210 mm
  • No of Pages: 36
  • Spine Width: 2 mm
  • Width: 148 mm


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