在电子资金划拨过程中,所有环节的当事人都可能发生错误。银行和客户各自为自己的错误负责,乃是一般原则。前两期讨论了银行发生错误时的法律责任分配问题。现在我们回过头来看,当客户错误发布了支付指令时,美国的法律又是如何处理的呢? In the electronic funds allocation process, all aspects of the parties may be wrong. It is a general principle that banks and clients are each responsible for their own mistakes. The first two issues discussed the allocation of legal responsibilities when banks made mistakes. Now let’s look back and see how the law in the United States deals with when the customer incorrectly issued a payment instruction.