電子商務產業法規關係之研究——以電子支付機構條例付款機制為中心

Study on the Payment Processing Institutions Act of the Legal Issues of E-Commerce Industry

李文元(WEN-YUAN Li)

指導教授 ： 陳櫻琴

中原大學/法學院/財經法律研究所/碩士(2015年)

https://doi.org/10.6840/cycu201500953

摘要

網際網路具有多元功能和用途，電子商務交易模式不再受限於時間和空間的限制，既無店面租金成本，又能二十四24小時經營；惟電子商務的風險及交易糾紛型態，勢必與一般生活上傳統交易類型有所區別，例如：1.交易對象的不確定、2.購買物品無法事先檢視、3.意思表示若有錯誤可否撤銷及4.另有若干服務型商品（如：旅館住宿、健身房使用、帶團旅遊等）能否享有七日猶豫期之爭議。消費者所關切者，在進行電子商務過程中之付款安全保障。本研究探討電子商務交易爭議，包括B2C及C2C等，消費者與電子商務業者間之交易流程中所產生之相關法律問題，除了大部份使用者常接觸的涉及消費者保護法問題外，尚有其他民法契約等相關法律事項。，因此2015年1月16日立法院三讀通過《電子支付機構管理條例》，並於2016年5月3日由行政院公告實施。此一新興法律所涉及之付款模式，與電子商務交易有關，也與電子商務產業未來發展有關，值得加以研究，並觀察其後續對產業的影響。

關鍵字

第三方支付 ； 電子支付 ； 電子商務

並列摘要

Owing to the multi-function purpose of the Internet nowadays, the business transaction of E-Commerce is no longer limited to the time and the space. E-Commerce has no store rental costs and it is opening for 24 hours. However, the risks and several kinds of the trade disputes of E-Commerce are bound to be different from the past business types. For example: (1) Uncertain trading targets (2) Unable to view the goods in advance (3) If the expression was acting under a mistake, may he revoke the expression? (4) Do we have the 7 days trial period for the several other services, such as accommodations, gym services and escorted tours? The consumers’ concerns are the payment security during the E-Commerce transaction. This paper studies the disputes of the E-Commerce transaction, including B2C and C2C. This study shows that the legal issues of the trading procedures between the consumers and E-Commerce industry. In addition to the problems related to the Consumer Protection Act, we also make a study of the civil law contracts. The “Payment Processing Institutions Act” was made at the Third Reading on January 16, 2015 in the Legislative Yuan and the Act will take effect as of May 3, 2016 of promulgation. This emerging mode of payment concerning the “Payment Processing Institutions Act” is not only in relation with the E-Commerce transaction but also related to its development in the future. It is worth exploring its influence on the industry subsequently.

並列關鍵字

Third-Party Payment ； Electronic Payment Services Infrastructure ； E-Commerce

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