On December 1, 2017, the Defendant sent a physical card to the Defendant at a post office located in Seodaemun-gu Seoul Metropolitan Government (hereinafter referred to as “Seomun-gu”).

(C) A check card connected to the bank account under the name of the defendant was delivered to the bank account under the name of the defendant in a way of delivering one copy of the check by door-to-door.

2. Determination

A. “Lending of access media” under Article 6(3)2 of the Electronic Financial Transactions Act refers to the act of lending access media to another person temporarily using access media without managing and supervising the users of access media while demanding, demanding, and promising to demand, or promising to provide compensation (see, e.g., Supreme Court Decision 2016Do8957, Aug. 18, 2017). (b) According to the records of the instant case, the Defendant opened a B bank account (hereinafter “instant account”) as indicated in the facts charged around March 13, 2014; and the Defendant, on December 1, 2017, who misrepresented D bank employees at low interest, intends to lend money at a low interest.

When sending a debit card and password to the lack of credit points, it is intended to raise the credit points by creating the transaction performance.

“ Recognizing the fact that the Defendant sent a physical card connected to the instant account to his name in the same day on the same day,” according to the proposal, the Defendant temporarily lent the above name in the name in the name in the name in the form of an electronic financial transaction without the Defendant’s supervision and supervision.

(c)

However, Article 49(4)2 and Article 6(3)2 of the Electronic Financial Transactions Act (hereinafter “Act”) are stipulated.