美国统一商法典翻译模板 （中英文 第4-406至4A-403款）

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

　　消费者发现并报告未授权的签名或涂改的义务.

　　(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) 发送消费者或使其可获得说明为该帐户的项目的付款的对帐单的银行，也应当退回或使该消费者可获得该被支付的项目或提供对帐单上的信息，足以允许该消费者适当地确定该被支付的项目。对帐单提供充分的信息若该项目被规定通过项目编号、金额及出票日期。

　　(b) 若该项目不被退回给消费者，保留该项目的人应当或者保留该项目，或者，若该项目被毁坏，维持提供该项目的清晰的复制件的能力在该项目的收到之后届满七年。消费者可以从支付该项目的银行要求一个项目，并且该银行必须在合理的时间或者提供该项目，或者，若该项目已被毁坏或由于其他原因不可得到，则提供该项目的清晰的复制件。

　　(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) 若银行发送或使得可获得的对帐单或项目依照本条(a)款，该消费者必须尽合理的勤勉在检验该声明或该项目，以决定是否任何付款不被授权由于一个项目的涂改或因为为消费者或代表其利益的传送的签名不被授权。如果基于被提供的声明或项目，消费者应当已经适当地发现该未授权的付款，该消费者必须迅速通知该银行相关事实。

　　(d) 如果银行证明，关于一个项目，消费者不能遵从(c)款规定的义务，该消费者被排除对银行主张下列抗辩：

　　(1) 消费者在该项目上的未授权的签名或任何涂改，如果银行也证明由于该消费者的不作为而遭受的损失;及

　　(2) 消费者的、在该银行善意支付的任何其他项目上的、由相同的不当行为人作出的未授权的签名或任何涂改，若该付款被作出在该银行从未授权的签名或涂改的消费者处收到通知之前，并且在该消费者已经被给予合理的期间，不超过30日，在该期间检验该项目或对帐单(statement of account)并通知该银行之后。

　　(e) 如果(d) 款适用，并且消费者证明在付款项目时未尽通常的注意义务，并且该不履行实质性地导致了损失，该损失在被排除的消费者和主张该排除的银行之间分配，在消费者遵从 (c)的失败和银行尽通常的注意义务的失败导致的损失范围内。如果消费者证明不善意支付该项目，在(d)款下的排除不适用。

　　(f) 不考虑消费者或银行注意或不注意，消费者在该声明或项目被使得该消费者可获得之后 (本条(a)款) 一年之内，没有发现并报告在该项目上的消费者的未授权的签名或任何涂改，则该消费者被排除向该银行主张该未授权的签名或涂改的权利。若有在本款下的排除，付款行不得恢复因担保之违反在§ 4-208 下关于该排除适用的该未授权的签名或涂改

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

　　付款行对不是付款的代位权.

　　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.

　　若付款行已支付一个项目在出票人或制作人停止付款的指示下，或在一个帐户已经被关闭之后，或在其他情形，给予出票人或制作人拒绝之理由的基础的情形，为防止不正当得利，并且仅限于为防止该银行由于其对该项目的付款而导致损失的范围内，付款行代位享有下列权利

　　(1) 任何正当持票人在该项目上的对于出票人或制作人的权利;

　　(2) 该项目的收款人或任何其他持票人的对出票人或制作人或在该项目上或在该项目起于的交易下的权利;及

　　(3)出票人或制作人对该项目的收款人或任何其他持票人关于该项目起于的交易的权利。

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

　　跟单汇票的收款

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

　　押汇汇票的处理;提示送达和通知消费者拒付的义务.

　　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.

　　为收款而取得押汇汇票的银行，应当提示或送达该汇票及其附属单证，并且，在该汇票没有被及时付款或承兑的情形，应当及时通报其消费者该事实，即使其可能已经折价购买或购买该汇票，或其可能已扩展因放弃权利而可获得的信用。

　　§ 4-502. PRESENTMENT OF "ON ARRIVAL" DRAFTS. "到达"提示汇票.

　　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.

　　如果汇票或相关指示要求到达提示、货到提示、或类似用语，收款行按照其判断，合理的到达期限届满以前，不必提示。由于货物没有到达而对付款或承兑的拒绝不是拒付;银行必须通报其拒绝的让与人，但是，在其收到指示或知道货物的到达之前，其无须再次提示该汇票。

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

　　提示行为文件和货物的责任; 拒付原因报告; 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篇规定外，提示押汇汇票的银行：

　　(1) 在汇票承兑时必须交付该文件给付款人，若该汇票应在提示三日后付款;否则应在付款时交付;及

　　(2) 对于拒兑，或者在提示承兑或者提示付款情形，在汇票指定的需要情形，可以寻求并遵循来自任何仲裁人的指示，或，若该提示行不选择去利用仲裁人的服务，其必须使用勤勉和善意去确定拒兑的原因，必须通报其拒兑的转让人，以及由此其确定原因的努力的结果，并且必须要求指示。

　　但是，对于文件描述的货物，除了遵循及时收到的任何合理的指示，提示行不负责任;对于因遵循指示引起的任何费用，以及那些费用的预付款或赔偿，其享有追回权。

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

　　提示行处理货物的特权; 费用的担保权益.

　　(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) 遵循押汇汇票的拒付从事的提示行已经及时地要求、但是没有在合理的期限内收到指示的，可以储存、出售或以任何其他合理的方式处理该货物。

　　(b) 由(a)款下的诉讼引起的其合理的费用，提示行对货物或其收益享有留置权，而该留置权可以以与货款未收到的卖主的留置权相同的方式被取消抵押品赎回权。

　　U.C.C. - ARTICLE 4A - FUNDS TRANSFER资金转让

　　PART 1. SUBJECT MATTER AND DEFINITIONS [Table of Contents] 主题和定义

　　§ 4A-101. SHORT TITLE. 简称

　　This Article may be cited as Uniform Commercial CodeFunds Transfers.

　　本篇可以被引用为《统一商法典》资金转让。

　　§ 4A-102. SUBJECT MATTER. 主题

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

　　除非§4a-108另有规定，本篇适用于§4a-104定义的资金转移。

　　§ 4A-103. PAYMENT ORDER - DEFINITIONS. 托付单 – 定义.

　　(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) "托付单" 指发送人给收款行的指示，口头传输、电子、或书面形式，去付款，或去引起其他银行付款，一笔确定的或可确定的金额给受益人，若

　　(i) 除付款时间外，该指示不规定付款给受益人的条件，

　　(ii) 收款行得到补偿，通过记入借方发送人的帐户，或者从发送人收取付款，并

　　(iii) 该指示由发送人直接传达给收款行、或代理人、资金转移系统、或者传送给收款行的通讯系统。

　　(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" 指受益人的银行向其付款的人。

　　(3) "受益人的银行" 指确定于托付单中的银行，在托付单中，依照该指示，受益人的帐户将被记入贷方，或者，若该指示不规定对一个帐户付款，作出付款给受益人。

　　(4) "收款行" 指发送人的指示向其提交的银行。

　　(5) "发送人" 指向收款行作出指示的人。

　　(b) 若符合(a)(1)的指示将作出一笔以上的付款给受益人，该指示对于每笔付款为独立的托付单。

　　(c) 托付单被签发当其被送达收款行时。

　　§ 4A-104. FUNDS TRANSFER - DEFINITIONS. 资金转移 – 定义.

　　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) "资金转移" 指以创立者(创立者)的托付单开始，以作出付款给指示的受益人为目的而作出的系列交易。该术语包括任何创立者的银行或中间银行发行的以执行创立者的托付单为目的的托付单。资金转移通过托付单的受益人的银行为创立者的托付单的受益人的利益承兑而完成。

　　(b) "中间银行" 指除创立者的银行或受益人的银行之外的收款行。

　　(c) "创立者" 指在资金转移中的第一托付单的发送人。

　　(d) "创立者的银行" 指 (i) 创立者的托付单向其发行的收款行，若该创立者不是银行，或 (ii)创立者，若创立者是银行。

　　§ 4A-105. OTHER DEFINITIONS. 其他定义.

　　(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) "授权帐户" 指消费者在一个银行的，消费者指定作为该消费者向该银行签发的托付单的付款之来源的存款帐户。若消费者未如此指定一个帐户，该消费者的任何帐户是授权帐户，若托付单的从该帐户的付款不与该帐户的用途限制不一致。

　　(2) "银行" 指从事银行业事务的人，包括存款行、储蓄贷款社、信用合作社、及信托公司。一个银行的分支机构或独立办事处为本篇的目的是一个独立的银行。

　　(3) "消费者" 指一个人，包括银行，其在银行有一个帐户，或者，一个银行同意向其收取托付单的人。

　　(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"资金转移营业日" 指一天中的这样一个部分，在该期间，收款行开放以接收、处理、及托付单的传输和托付单的取消、修正。

　　(5) "资金转移系统" 指电汇网络、自动化票据交换所、或票据交换所的其他通讯系统，或者银行之间的其他联合，一个银行可以通过其将托付单传输给指令指定的银行。

　　(6) [reserved]

　　(7) 关于一项事实的"证明"指符合证明有关事实的负担 (§1-201(b)(8))。

　　(b) 其他适用于本篇和本款的其他定义是：

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

　　另外，第1篇包含的一般定义和解释原则和解释适用于本篇。

　　§ 4A-106. TIME PAYMENT ORDER IS RECEIVED. 托付单被收到的时间.

　　(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.

　　托付单的收到时间或者取消或修正托付单的通讯的时间，由§1-202规定的适用于通知的收取的规则决定。对于托付单的收取和处理以及取消或变更托付单信息，收款行可以确定一个在资金转移营业日的截止时间或时期。不同的截止时间可以适用于托付单、取消、或变更、或不同类型的托付单、取消、或变更。截止时间一般可以适用于发送人，或者不同的截止时间可以适用于不同的发送人或不同类型的托付单。若在资金转移营业日关闭之后，或者在资金转移营业日的适当的截止时间之后，收到托付单、或取消或变更托付单的信息，收款行可以视为在下一个资金转移营业日开张时收到该托付单或信息。

　　(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.

　　若本篇引用执行日期或付款自然或规定收款行应当提起诉讼的日期，并且该日期或期日不在资金转移营业日内，其后的第一个资金转移营业日被视为该日期或期日，除非本篇有相反规定。

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

　　联邦储备规则和操作细则.

　　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.

　　在不一致的范围内，联邦储备银行的联邦储备系统董事会章程和操作细则代替本篇任何不一致的规定。

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

　　联邦法律调整的消费者交易的排除.

　　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.

　　本篇不适用于资金转移 之由《1978年电子资金转移法案》(title xx, public law 95-630, 92 stat. 3728, 15 u.s.c. § 1693 et seq.)调整的、有时修正的任何部分。

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

　　.托付单之签发和接受

　　§ 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" 指消费者与收款行基 于下列目的签订的协议所确定的程序(i) 检验托付单或者变更或取消托付单的信息是消费者的，或(ii) 探测交易中或托付单或信息的内容中的错误。安全程序要求运算法则或其他编码、识别词或数字、编密码、复查程序、或类似的安全设计的运用。托付单上的签名或信息与消费者的经授权的印鉴样本的比较本身不是安全程序。

　　§ 4A-202. AUTHORIZED AND VERIFIED PAYMENT ORDERS. 授权与检验托付单.

　　(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) 收款行收到的托付单是确定为发送人的人的经授权的指令，如果此人授权该指令或者依照代理法此人受该指令约束。

　　(b) 若一个银行与其消费者已经同意，以消费者作为发送人签发给该银行的托付单的真实性将依照安全程序检验，收款行收到的托付单作为消费者的指令有效，无论是否被授权，若(i) 该安全程序是商业上合理的防止未授权的托付单的方法，及 (ii) 该银行证明其善意地接受该托付单，并且符合安全程序以及任何书面协议或消费者的限制以该消费者的名义签发的托付单的接受的指示。该银行不被要求遵循一个指示，若该指示违反与消费者的书面协议，或违反没有在该托付单被接受之前，以给予该银行合理的机会去按照其作出行为的时间和方式收到的通知。

　　(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.

　　安全程序的商业合理性是通过考虑消费者向银行表达的愿望所决定的一个法律问题，银行知道的消费者的详情，包括消费者通常签发给银行的托付单的尺寸、类型和频率，提供给消费者的选择性的安全程序，以及消费者与收款行一般使用的安全程序类似地处于的境况。安全程序被视为商业上合理的，若 (i) 该安全程序被消费者在该银行提供之后选择，并且该消费者拒绝，安全程序对于该消费者是商业上合理的，及(ii)该消费者以书面形式明示同意受任何托付单约束，无论托付单是否被授权，只要该托付单以其名义签发并且由该银行以符合该消费者选择的安全程序地接受。

　　(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) 本篇中的术语 "发送人" ，包括以其名义签发托付单的消费者，若该指令是消费者在 (a)款下的经授权的指令，或者其作为消费者在(b)款下的指令有效。

　　(e) 在其适用于托付单的相同范围内，本条适用于托付单的变更和取消。

　　(f) 除非本条和§4a-203(a)(1)另有规定，本条或§4a-203出现的权利和义务不得协议变更。

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

　　一定的经检验的托付单的不可强制执行性.

　　(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，被接受的托付单不是确定为发送人的消费者的经授权的指令，但是依照§4a-202(b)条作为消费者的指令有效，下列规则适用：

　　(1) 按照明示的书面协议，收款行可以限制该范围为其有权执行或保留托付单的付款的范围内。 (2) 收款行无权执行或保留托付单的付款，若该消费者证明该指令不被下述这样的人直接或间接地引起，(i)任何时间受托代理消费者履行关于托付单或安全程序的义务的人，或 (ii) 获得消费者的传输便利的途径的人，或者，从消费者控制的来源并且没有收款行的授权，获得促成安全程序的违反的信息的人, 不管该信息怎样获得，或者是否该消费者具有过失。信息包括任何途径设备、电脑软件或类似物。

　　(b) 在其适用于托付单的相同范围内，本条适用于托付单的变更。

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

　　付款的偿还与消费者报告未授权的托付单的义务.

　　(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) 若收款行接受其消费者作为发送人签发的托付单，该托付单(i)作为消费者在§4a-202下的指令未经授权并且无效，或 (ii)对于该消费者在§4a-203下全部或部分不可强制执行，在该银行无权执行该付款范围内，该银行应当拒绝从该消费者处收到的托付单的任何付款，并且应当支付可偿还的金额的、从该银行收到付款之日起到偿还之日止计算的利息。但是，在该消费者从该银行收到关于该指令被接受的通知，或者，收到关于该指令消费者的帐户被记入借方的通知之日后，不超过90日的合理的时间内，若该消费者未尽通常的注意义务以确定该指令未被消费者授权，及通知该银行相关的事实，该消费者无权向该银行主张将被偿还的金额的利息。由于该消费者未能作出本条规定的通知，该银行无权向消费者主张任何退款。

　　(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)款规定的合理的时间可以通过§1-204(1)规定的协议确定，但是(a)款规定的收款行偿还付款的义务不得以协议变更。

　　§ 4A-205. ERRONEOUS PAYMENT ORDERS. 错误的托付单

　　(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) 若被接受的托付单依照安全程序传输以检测其错误，并且该托付单 (i)错误地指示付款给非由发送人打算的受益人， (ii) 错误地指示支付了一笔比发送人打算的金额更大的金额，或 (iii) 是错误地传输的发送人以前发送的托付单的副本，下列规则适用

　　(1) 若发送人证明发送人或为发送人的利益行为的人依照§4a-206符合安全程序，并且若收款行也符合，该错误本来已经被发觉，发送人在(2)、(3)段规定范围内无须支付该指令。

　　(2) 若资金转移以(a)款(i)或 (iii) 子句规定的错误的托付单为基础而完成，发送人无须支付该指令，并且，在调整错误和恢复原状的法律允许的范围内，收款行有权向受益人追回任何向受益人支付的金额。

　　(3) 若资金转移以(a)款(ii) 子句规定的托付单为基础而完成，在受益人收到的比发送人打算的更大的一笔金额范围内，发送人无须支付该指令。在该情形，在调整错误和恢复原状的法律允许的范围内，收款行有权向受益人追回被收到的超过的金额。

　　(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)款规定的错误的托付单的发送人无须支付该指令的全部或部分金额，并且(ii)发送人从收款行处收到关于该银行接受指令或关于该指令发送人的帐户被记入借方的通知，发送人有义务尽通常的注意义务，以发送人可获得的信息为基础，发现该指令的错误并且，在发送人收到该银行的通知后不超过90日的合理的时间内，警告银行相关的事实。若该银行证明，发送人未履行该义务，发送人应对该银行证明的由于该未履行而引起的损失承担责任，但是，发送人的责任不得超过发送人的指令的金额。

　　(c) 在其适用于托付单的相同范围内，本条适用于托付单的变更。

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

　　通过资金转移或其他通讯系统传输托付单.

　　(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) 若基于传输给该银行的目的，寄送给收款行的托付单被传输到资金转移系统或其他第三方通讯系统，该系统被视为发送人基于传输该托付单给银行的目的的代理人。若在传输到系统的托付单的条款与该系统传输给该银行的托付单的条款之间存在差异，发送人的托付单的条款是该系统传输的条款。本条不适用于联邦储备银行的资金转移系统。

　　(b) 在其适用于托付单的相同范围内，本条适用于托付单的变更和取消。

　　§ 4A-207. MISDESCRIPTION OF BENEFICIARY. 受益人的不当陈述

　　(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)款影响，若，在受益人的银行收到的托付单中，名字、银行账号号码、或受益人的其他身份识别指向一个不存在的人或不可确定的人或账号，没有人有权享有作为指令的受益人的权利，并且该指令的承兑不能发生。

　　(b) 若受益人的银行收到的托付单确定受益人既通过名字并且通过识别或银行账号和名字及账号识别不同的人，下列规则适用

　　(1) 除非(c)款另有规定，若受益人的银行不知道该名字和账号指不同的人，其可以根据该账号作为指示的受益人的合适的身份。受益人的银行无需决定该名字和账号是否指相同的人。

　　(2) 若受益人的银行向通过名字确定的人付款或者知道名字和账号确定不同的人，没有人有权享有作为受益人的权利，但受益人的银行向其付款的人除外，若此人有权向资金转移的创立者收取付款。若没有人有权享有作为受益人的权利，该指令的承兑不能发生。

　　(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)款规定的托付单被接受，(ii) 创立者的托付单的名字和账号不一致地规定了受益人，并且 (iii) 受益人的银行向(b)(1)允许的通过账号确定的人付款，下列规则适用

　　(1) 若创立者是银行，创立者必须支付其指令。

　　(2) 若创立者不是银行并且证明通过账号确定的人无权向创立者收取付款，创立者不必支付其指令除非创立者的银行证明，在创立者的指令接受前，创立者已经接到通知，创立者签发的托付单的付款也许由受益人的银行基于识别或银行账号而作出，即使其确定一个不同于指定的受益人的人。通知的证据可以通过任何允许的证据作出。若创立者的银行证明，在托付单被接受前，创立者签署了一份陈述了该通知叙述的信息的书面文件，则其完成了其举证负担。

　　(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)调整的情形，若受益人的银行正当地向通过账号确定的人付款，并且此人无权向创立者收取付款，在调整错误和恢复原状的法律允许的范围内，被支付的金额可以向此人追回，如下所述：

　　(1) 若创立者必须支付其托付单如(c)款规定，创立者享有追回权。

　　(2) 若创立者不是银行并且不必支付其托付单，创立者的银行享有追回权。

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

　　中间银行或受益人的银行的不当陈述.

　　(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) 本款适用于仅仅通过识别号码识别中间银行或受益人的银行的托付单。

　　(1) 收款行可以依据该号码作为中间银行或受益人的银行的合适的身份识别并且不需决定该号码是否确定一个银行。

　　(2) 发送人应当赔偿收款行在执行或尝试执行该指令时对该号码的信赖所导致的任何损失和费用。

　　(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) 本款适用于通过名字和识别码识别中间银行或受益人的银行的托付单，若该名字和号码识别不同的人。

　　(1) 若发送人是银行，收款行可以依据该号码作为中间银行或受益人的银行的合适的身份识别，若收款行在执行发送人的指令时不知道该名字和号码识别不同的人。收款行不需要确定是否该名字和号码指向相同的人或者是否该号码指向一个银行。发送人应当赔偿收款行在执行或尝试执行该指令时对该号码的信赖所导致的任何损失和费用。

　　(2) 若发送人不是银行，并且收款行证 明，在托付单被接受之前，发送人得到通知收款行信赖该号码作为中间银行或受益人的银行的合适的身份识别，即使其识别一个人不同于按名字确定的银行，发送人与收款行的权利和义务受(b) (1)调整，就像发送人是一个银行。通知的证据可以通过任何允许的证据作出。若收款行证明，在托付单被接受前，发送人签署了一份陈述了该通知叙述的信息的书面文件，则其完成了其举证负担。

　　(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) 不管发送人是不是银行，收款行可以依据该名字作为中间银行或受益人的银行的合适的身份识别，若收款行在执行发送人的指令时不知道该名字和号码识别不同的人。收款行不需要确定是否该名字和号码指向相同的人。

　　(4) 若收款行知道该名字和号码识别不同的人，在执行发送人的托付单时对任一名字或号码的信赖违反§4a-302(a)(1)规定的义务。

　　§ 4A-209. ACCEPTANCE OF PAYMENT ORDER. 托付单的接受.

　　(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)款影响，除受益人的银行之外的收款行接受托付单当其执行该指令时。

　　(b) 受 (c)及 (d)的影响，受益人的银行在下述时间之最初期接受托付单：

　　(1) 当银行 (i)按照 §4a-405(a)或4a-405(b)规定支付受益人，或 (ii) 通知受益人收到该指令或受益人的帐户已经被记入贷方关于该指令，除非该通知表明该银行将拒绝该指令，或者，在从指令的发送人处收到付款之前，关于该指令的资金不可以被撤回或使用。

　　(2) 当银行依照§4a-403(a)(1)或 4a-403(a)(2)，收到发送人的指令的全部金额的付款时;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) 该指令的付款之日的该银行的下一个资金转移营业日的开张时，在那时，发送人的指令的金额完全包含于发送人的授权帐户的可提取的贷方余额，或者该银行已经另外地从发送人收到充分的付款，除非该指令被拒绝在那时之前，或者被拒绝在下列时间内(i) 在那时之后一个小时之内，或(ii)发送人的付款之日的下一个营业日的开张时间之后一个小时，若那个时间更晚。若发送人在付款日之后收到拒绝通知，并且发送人的授权帐户不提供利息，该银行应当向发送人支付该指令在付款日后到发送人收到通知或知道该指令不被接受时经过的期间的利息，计算该日为终止之日。若可提取的贷方余额在该期间降到指令的金额之下，该应付的利息金额相应减少。

　　(c) 在收款行收到该指令之前，托付单的接受不能发生。接受不发生在 (b)(2) 或 (b)(3)下，若托付单的受益人在收款行没有帐户，该帐户已经被关闭，或者法律不允许该收款行为受益人的帐户收取存款。

　　(d) 若该银行是受益人的银行，在付款日前;若该银行不是受益人的银行，在执行之日前，签发给创立者的银行的托付单不得被接受，若创立者的银行在执行日前执行创立者的托付单，或在付款日前支付创立者的托付单的受益人，并且该托付单随后被依照§4a-211(b)取消，在调整错误和恢复原状的法律允许的范围内，该银行可以向受益人追回任何收到的付款。

　　§ 4A-210. REJECTION OF PAYMENT ORDER. 托付单的拒绝.

　　(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) 收款行通过口头、电子或书面形式地传输给发送人的拒绝通知拒绝托付单。拒绝通知不需要使用任何特定的词语，并且，若其表明收款行将拒绝该指令或不将执行或支付该指令，即为充分。若传输是通过一个在该情形为合理的方法送达，则拒绝为有效。若拒绝通知是通过不合理的方法送达，当该通知被收到时该拒绝生效。若发送人与收款行的协议确定该方法用作拒绝托付单，(i) 任何符合该协议的方法为合理，并且(ii) 任何不符合的方法为不合理，除非使用该不符合的方法接收通知不造成没有重大迟延。

　　(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) 收款行通过口头、电子或书面形式地传输给发送人的拒绝通知拒绝托付单。拒绝通知不需要使用任何特定的词语，并且，若其表明收款行将拒绝该指令或不将执行或支付该指令，即为充分。若传输是通过一个在该情形为合理的方法送达，则拒绝为有效。若拒绝通知是通过不合理的方法送达，当该通知被收到时该拒绝生效。若发送人与收款行的协议确定该方法用作拒绝托付单，(i) 任何符合该协议的方法为合理，并且(ii) 任何不符合的方法为不合理，除非使用该不符合的方法接收通知不造成没有重大迟延。

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

　　托付单的取消和变更.

　　(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) 取消或变更指令的托付单的发送人的信息可以通过口头、电子、或书面形式传输给收款行。若安全程序在发送人与收款行之间有效，该信息不具有取消或变更该指令的效力，除非该信息依照安全程序核实，或者该银行同意取消或变更。

　　(b) 受(a)款影响，发送人取消或变更托付单的信息具有取消或变更该指令的效力，若在该银行接受该托付单之前，该信息的通知提供收款行合理的机会按该信息行动的时间和方式被收到。

　　(c) 在托付单被接受之后，该指令的取消或变更无效，除非收款行同意或资金转移系统规则允许无须该银行的同意即可取消或变更。

　　(1) 关于除受益人的银行之外的收款行接受的托付单，取消或变更无效，除非收款行签发的托付单的一致的取消或变更也被作出。

　　(2) 关于受益人的银行接受的托付单，取消或变更无效，除非该指令在未经授权的托付单的执行中签发，或由于发送人在资金转移中的导致托付单的签发的错误，(i)该错误是发送人以前签发的托付单的复制件，(ii)其指示付款给无权向创立者收取付款的受益人，或(iii)其指示付款的金额超过受益人有权向创立者收取的金额。若托付单被取消或变更，在调整错误和恢复原状的法律允许的范围内，受益人的银行有权向受益人追回任何向受益人支付的金额。

　　(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) 法律的实施导致的不被接受的托付单在收款行的在该指令的执行之日或付款之日之后的第五个资金转移营业日结束时取消。

　　(e) 被取消的托付单不得被接受。若被接受的托付单被取消，对其所做的接受无效，并且，任何人都不在该接受的基础上享有任何权利或义务。托付单的变更被视为原指令在变更时取消，并且新的托付单以变更后的形式同时发行。

　　(f) 除非当事人另有约定或者资金转移系统规则另有规定，若收款行在接受托付单之后同意发送人对该指令的取消或变更，或受允许无须银行的同意即可取消或变更的资金转移系统规则约束，无论取消或变更是否有效，发送人对该银行的任何损失和费用负责，包括该银行遭受的取消或变更或尝试取消或变更所导致的合理的律师费。

　　(g) 托付单不因发送人的死亡或无行为能力而撤回，除非收款行知道其死亡或知道有权法院的禁治产宣告，并且有合理的机会在该指令接受前行动。

　　(h) 资金转移系统规则在与(c)(2)冲突的范围内无效。

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

　　收款行关于未被接受的托付单的责任和义务.

　　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应通过明示同意接受的托付单，该银行应负违约责任，在该协议规定或本篇规定范围内，但此外对该托付单不负任何义务，或者，关于该指令，在接受前采取任何行动，或者忍住采取行动，除非本篇另有规定或者明示协议另有约定。以承兑为基础的债务仅产生于承兑依照§4a-209规定发生时，并且债务限于本篇规定。收款行不是其承兑的托付单的发送人或受益人的代理人，或者资金转移的任何其他当事人的代理人，并且，该银行不对资金转移的任何当事人承担义务，除非本篇另有规定或者明示协议另有约定。

　　PART 3. EXECUTION OF SENDER'S PAYMENT ORDER BY RECEIVING BANK [Table of Contents] .收款行对发送人的托付单的执行

　　§ 4A-301. EXECUTION AND EXECUTION DATE. 执行和执行日期

　　(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) 托付单被收款行 "执行" 当其签发一张托付单，打算执行该银行收到的托付单时。受益人的银行收到的托付单可以被接受但不得被执行。

　　(b) 托付单的"执行日期"指收款行可以在发送人的指令的执行中适当地签发托付单的日期。执行日期可以通过发送人的指示确定，但不得早于该指令被收到之日，并且，除非有相反的确定，为该指令被收到之日。若发送人的指示规定了付款日期，该执行日期是付款日期或者更早的、执行是合理必要的以允许在付款日期付款给受益人的日期。

　　§ 4A-302. OBLIGATIONS OF RECEIVING BANK IN EXECUTION OF PAYMENT ORDER. 在托付单的执行中的收款行的债务

　　(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)款另有规定，若收款行依照§4a-209(a)接受托付单，在该指令的执行中，该银行负有下列义务：

　　(1) 收款行应当在执行日期签发符合发送人的指令的托付单，并且遵循发送人的关于下述的指示 (i) 将在执行资金转移中使用的任何中间银行或资金转移系统，或(ii)在资金转移中使用的传输托付单的方式。若创立者的银行签发托付单给中间银行，创立者的银行应当依照创立者的指示而指示中间银行。在资金转移中的中间银行同意受其接受的托付单的发送人给其的指示约束。

　　(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) 若发送人的指示规定资金转移将通过电话执行，或者电汇或其他方式执行，该资金转移将被以嘴迅捷的方式执行，收款行应当通过最便捷的可获得的方式传输其托付单，并且相应地指示任何中间银行。若发送人的指示规定付款日期，收款行应当在某时和合理必要地允许在付款日或其后的可行日期付款给受益人的方法传输其托付单。

　　(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，执行托付单的收款行可以 (i) 使用任何资金转移系统若在当时的环境下该系统的使用是合理的，及(ii) 签发托付单给受益人的银行或给中间银行，使得符合发送人的指令的托付单可以迅捷地签发给受益人的银行，若该收款行在中间银行的选择中尽了通常的注意义务。若收款行善意地确定遵循该指示是不可行的，或遵循该指示将不适当地延误资金转移的完成，收款行无须遵循指定在执行资金转移中使用的资金转移系统的发送人的指示。

　　(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)适用或收款行另有指示，该银行可以通过头等邮件或通过在当时情况下合理的任何方式传输其托付单，以执行托付单。若收款行被指示通过特定的方式传输其托付单以执行发送人的指示，收款行可以通过规定的方式或者通过规定的尽可能快捷的方式签发托付单。

　　(d) 除非发送人有指示，(i) 收款行不得获得在执行发送人的指令中发生的费用和服务费用的付款，通过签发托付单上，发送人的指令的金额减去主张支付的金额的差额，及 (ii) 不得以相同的方式指示后来的收款行获得其主张支付的付款。

　　§ 4A-303. ERRONEOUS EXECUTION OF PAYMENT ORDER. 托付单的错误执行.

　　(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)通过签发比发送人的指令的金额更大的金额的托付单执行发送人的托付单，或(ii) 签发托付单执行发送人的指令，然后签发指令副本，在§4a-402(c)下，对发送人的指令的金额的付款享有权利，若该款另外地被遵循。在调整错误和恢复原状的法律允许的范围内，该银行有权向错误指令的受益人追回被收到的超额付款。

　　(b) 执行签发少于发送人的指令的金额的托付单的发送人的托付单的收款行有权享有发送人的指令的金额的付款，在§4a-402(c)下，若(i) 该款另外被遵守并且(ii) 为发送人的指令的受益人的 利益，该银行通过签发附加的托付单纠正其错误。若该失误未被纠正，错误的指令的签发人有权从其接受的指令的发送人处收到或保持付款，仅限于该错误的指令的金额范围内。本款不适用若收款行执行发送人的托付单通过发行少于发送人的指令的金额的托付单，为获得其主张支付的依照发送人的指示而产生的服务和费用的付款的目的。

　　(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) 若收款行执行发送人的托付单通过签发托付单给不同于发送人的指令的受益人之受益人，并且资金转移在该失误的基础上完成，被错误执行的托付单的发送人和所有以前在资金转移中的发送人不必对其以前签发的托付单付款。在调整错误和恢复原状的法律允许的范围内，错误指令的签发人有权向该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. 发送人报告错误执行的托付单的义务.

　　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规定的被错误执行的托付单的发送人从收款行收到通知，关于该指令，该指令被执行或发送人的帐户被记入借方，以发送人可获得的信息为基础，发送人应当尽通常的注意义务以确定，该指令被错误执行，并且，来自银行的通知由发送人收到之后不超过90日的合理时间内，通知银行相关的事实。若发送人未能履行该义务，该银行不必支付发送人在§4a-402(d) 下可追回的任何金额在该银行知道该错误执行之前的期间的利息。由于发送人未能履行本条规定的义务，该银行无权向发送人行使任何追回权。

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

　　迟延或不当执行或未能执行托付单的责任.

　　(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) 若资金转移被完成，但是收款行违反 §4a-302规定的托付单的执行导致对受益人付款的迟延，该银行应当向资金转移的创立者或受益人支付由于该不当执行所引起的迟延期间的利息。除非(c)款另有规定，此外的损害赔偿不得主张。

　　(b) 若收款行违反 §4a-302规定的托付单的执行导致(i) 资金转移未完成，(ii) 未能使用创立者指定的中间银行，或(iii)创立者的托付单的条款的托付单的签发，在(a)款不包含的范围内，该银行应对创立者承担产生于该不当执行的资金转移之费用的责任，并且应对额外开支和利息损失负责。除非(c)款另有规定，此外的损害赔偿不得主张。

　　(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)款下应付的金额之外，包括间接损害的赔偿金在内，收款行的明示的书面协议中规定的范围内损害赔偿金可追回。

　　(d) 若收款行未能执行其必须通过明示协议执行的托付单，收款行应对发送人就其交易中的费用、额外开支、由于该过失而未能执行导致的利息损失负责。额外损失，包括间接损失，在收款行明示书面协议规定的范围内可追回，但此外则不可追回。

　　(e) 合理的律师费可追回，若在关于该权利的诉讼被提起之前，(a)或(b)款下的索赔被作出并被拒绝。若违反(d)款下的协议的主张被提出，并且该协议未规定损害赔偿金，合理的律师费可追回，若在关于该权利的诉讼被提起之前，(d) 款下的索赔被作出并被拒绝。

　　(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) 除非本条另有规定， 收款行在(a)、(b)款下的责任不得被协议变更。

　　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.

　　托付单的"付款日期"指受益人的银行应向受益人支付该指令的金额之日。付款日期可以通过发送人的指示确定，但不得早于受益人的银行收到该指令之日，并且，除非另外确定，为受益人的银行收到该指令之日。

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

　　发送人向收款行付款的义务.

　　(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) 本条受 4a-205和4a-207影响。

　　(b) 关于签发给受益人的银行的托付单，该银行对指令的接受责成发送人向该银行支付该指令的金额，但付款在该指令的付款之日前未到期。

　　(c) 本款受(e) 款和§4a-303影响。关于签发给除受益人的银行之外的收款行的托付单，收款行对指令的接受责成发送人向该银行支付发送人的指令的金额。发送人的付款发送人的指令的执行之日前未到期。发送人支付其付款指令的义务被免除，若指示向该发送人的托付单的受益人付款的托付单的受益人的银行的接受未完成资金转移。

　　(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) 若托付单的发送人支付该指令，并且不必支付被支付的全部或部分金额，收到付款的银行必须在发送人不必支付的范围内退还付款。除非4a-204 and 4a-304有规定，可退还的金额从付款之日起的利息应当支付。

　　(e) 若资金转移如 (c)款规定不被完成，并且中间银行必须退还付款如(d) 款规定，但是由于可适用的法律不允许而未能如此作为，或因为该银行中止付款，如§4a-302(a)(1)规定，执行符合一项指示的托付单，通过中间银行发送资金转移的资金转移中的发送人有权收取或保持其接受的托付单的发送人的付款。在资金转移中，签发要求通过中间银行发送的指示的第一发送人，由支付中间银行如(d)款规定退款的银行的权利取代。

　　(f) 托付单的发送人的享有免除(c)款规定支付该指令的义务的权利，或在(d)款下收取退款的权利不得协议变更。

　　§ 4A-403. PAYMENT BY SENDER TO RECEIVING BANK. 发送人向收款行付款

　　(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) 发送人在§4a-402下向收款行付款的义务发生如下：

　　(1) 若发送人是银行，收款行通过联邦储备银行或通过资金转移系统收到该债务的最后结算时，付款发生。(2) 若发送人是银行，并且发送人 (i) 与发送人对收款行的一个帐户记入贷方，或(ii)引起收款行在其他银行的一个帐户被记入贷方，付款发生于存款提取时，或者，若未提取，存款可提取并且收款行知道该事实之日的午夜。

　　(3) 若收款行对发送人在收款行的帐户记入借方，付款发生于当借方在在该帐户中的可提取的贷方余额所包含的借方范围内作出时。

　　(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) 若发送人和收款行是在参与者之间多边承担义务的资金转移系统的成员，收款行收取最终结算，当结算与该系统规则一致地完成时。在该系统规则允许的范围内，发送人支付通过该资金转移系统传输的托付单的金额的义务可以被满足，通过抵消和要求发送人履行义务，发送人向收款行收取付款的权利，该付款金额为收款行通过资金转移系统传输给发送人的任何其他托付单的金额。在资金转移系统中，在该系统规则允许的范围内，通过抵消发送人对该系统的其他成员所负债务合计余额和主张该余额，每个发送人对每个收款行所负的债务的合计的余额可以被满足。在本条第二句规定的抵消权已经被实施之后，合计余额被确定。

　　(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) 若根据在§4a-402下每个银行对其他银行所负债务在日末或其他期间期末结算的协议，两个银行互相传输托付单，关于一个银行传输的所有指令，应欠的全部金额应当与关于其他银行传输的所有指令应欠的总金额抵消。在抵消范围内，每个银行已经作出付款对方。

　　(d) 在(a)款不包含的情形，发送人的在§4a-402(b)或4a-402(c) 下的义务的付款发生时间受确定何时债务被清偿的法律的适用原则调整。