第三方支付業者之風險與監控

The Risks and it`s Supervision of Third-Payment Industry

楊日晴(Ri-Qing Yang)

指導教授 ： 王志誠

國立中正大學/法學院/財經法律學系/碩士(2015年)

摘要

鑒於日漸繁盛之「電子商務(Electronic Commerce，EC)」發展趨勢下，亦衍生出資訊科技、資訊安全、平台發展、搬運物流、支付態樣等多項議題。尤以支付態樣所創新發展出之「第三方支付」服務及業者，其近期於電子商務交易市場中之擴張態勢更加引人矚目。
在此種第三方支付相關服務運作與法令施行發展下，讓台灣面臨到國外快速變遷之態勢中，如何調整步伐，完善規劃適性國內發展之法令規範與進程，進而與世界接軌，並有效監控第三方支付業者、與避免風險發生、保護消費者權益等亦是主管機關及業界近期所要面臨之重要課題。
值此電子商務業界近期最熱門之議題發酵之際，身處業界之中，興起涉獵相關研究之動機，並針對「第三方支付業者之風險與監控」進行討論，以七大風險問題及監控方向之研究，並透過蒐集與彙整相關文獻資料，提出自身主觀看法。
本文由第三方支付之基本概念，電子商務之支付工具及演進、第三方支付之定義、業者之經營模式及交易模式等，國內第三方支付之發展現況談起。並針對第三方支付業者之風險，第三方支付服務之風險概述及定義與特性、第三方支付業者風險類型、七大風險問題進行論述後。進行第三方支付業者之監控探討，自監控之目的著手，先由美國及中國之監控機制及立法例為參考，論及台灣「電子支付機構管理條例」所建構之監控機制，並針對第三方支付業者「交付信託」之監控機制提出看法，再以台灣監控機制之內涵及建議論述之。
最後，試以「電子支付機構管理條例」專法及相關子法之評析，進行彙整及重點摘要與個人意見。並提出自身主觀之結論及建議，祈盼能起拋磚引玉之效，吸引法律實務工作者及業界對第三方支付未來子法及細則之立法與修訂更加關注，使電子商務市場之創新及發展愈加精進蓬勃。

關鍵字

風險 ； 電子商務 ； 電子支付機構 ； 電子支付 ； 第三方支付 ； 監控

並列摘要

Given the increasingly prosperous E-commerce under the trends, also derived from the information technology, information security, platform development, handling logistics, payment and many other issues.

Especially pay aspect of the innovation and development of a third party payment service and industry, its recent e-commerce market in the expansion trend is more eye-catching.

Such third-party payment services in operation and under development purposes of the Act, so that Taiwan is facing rapid changes of the situation to foreign countries, and how to adjust the pace and improve the planning and process specification adaptive act of domestic development, and thus with the world, and effective monitoring third-party payment industry, and to avoid the risk of consumer protection, are also an important topic of the competent authorities and the industry to face the near future.

On the occasion of the recent e-commerce industry's hottest topic of fermentation, the Language among industry, the rise of motivation related to research covered, and for the "risk of third-party payment industry and monitoring," discussions with the seven risk issues and monitor direction The study, and through the entire collection and exchange relevant documents presented itself a subjective opinion.

The basic concept of this article paid by the third party payment tools and E-commerce evolution of the definition of third party payment, the industry business model and transaction mode, the status of the development of domestic third-party payment of the talk. And the risk of third-party payment industry for third-party payment risk overview and definition and characteristics of services, third-party payment industry risk types, seven risk issues are discussed later. The third-party payment industry to monitor discussions since the purpose of monitoring the start, first by the United States and China's control mechanisms and legislations as a reference, deals with Taiwan's "electronic payment institution regulations" Construction of the monitoring mechanism, and to pay for a third party industry "deliver trust" Monitoring Mechanism put forward their views, and then to the monitoring mechanism of the connotation of Taiwan and discuss the proposal.

Finally, try to assessing the "electronic payment institution regulations" special law and related sub-law, be aggregated and focused summaries and personal opinions. And proposed conclusions and recommendations of its own subjective, praying can initiate the onset, legal practitioners and the industry to attract third-party payment for future legislation and revision of laws and rules of more attention, so that innovation and development of increasingly sophisticated E-commerce market.

參考文獻

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