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ماهية بطاقة الائتمان المصرفية تشريعا وفقها وقضاءً
Keywords: credit card, barter, banks, money, commodities and products, electronic payment.
PROCEEDINGS OF 8th INTERNATIONAL LEGAL ISSUES CONFERENCE
Faculty of Law / Tishk International University
Date:1-2. February 2024
Venue: Kurdistan Region- Erbil
ISBN: 979-8-9890269-1-3
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Asst. Prof. Dr. Talib Braim Suleman Abdul Rahim Uthman Baper
Faculty of Law, Political, Science and Management, Soran University, Erbil, Iraq
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Abstract
Man relied on the barter system in primitive societies, but the barter system to obtain goods and services faced many problems because of the difference and discrepancy between the quality and value of these goods and services, which forced the human society to work to find another way to carry out these operations, and devised the money system as an alternative to the barter system It was an effective means of payment and fulfillment in all traditional commercial transactions and exchanges, and the evolution of this system over time from the coin to the paper currency, The economic and commercial globalization that emerged in the past century led to the emergence of electronic payment cards, which are characterized by many advantages, including speed in conducting exchanges, avoiding the dangers of carrying cash, etc…., and selling via the Internet paved the way for a wider use of these cards and their spread, especially in payment electronic. The banks that issue such cards encourage individual and corporate merchants to deal with them and undertake to provide their holders with more incentives and benefits. They operate under the supervision of the giant international organizations and companies that sponsor these cards. They guarantee the management of technical and service operations related to them, such as the organizations sponsoring the international Visa, MasterCard and American Express cards. And Dine Rose Club, and banks cannot issue these cards except through prior licensing contracts, and the credit card is a recent phenomenon that raises many questions about its definition and statement of concept, types and characteristics, and the researcher tries to shed light on this phenomenon to explain what it is.
المصادر
بعد القران الكريم
أولا: المعاجم:
ثانيا: الكتب:
ثالثا: رسائل الماجستير والدكتوراه:
كلية الحقوق والعلوم السياسية، قسم العلوم القانونية والادارية، الجزائر، 2015-2016.
رابعا: البحوث:
خامسا: القوانين: