科技化創新金融服務規範研析－以行動支付和第三方支付爲例

Study on the Regulatory Framework of Mobile Payment and Third Party Payment

鄭菀瓊

《科技法律透析》 20卷3期 (2008/03) Pp. 15-38

https://doi.org/10.7062/STLR.200803.0015

摘要

本研究選擇以「行動及小額支付」和「第三方支付」兩種快速發展中的科技化創新金融服務爲例，分別探討其外部管制架構與內部法律關係，並歸納既有之法規架構對產業創新或跨業競爭之限制，以及應用模式內部法律關係暨相關消費者保護議題之灰色不明處。

關鍵字

行動支付 ； 小額支付 ； 第三方支付 ； 科技化服務業

並列摘要

This paper explored the external regulatory frameworks and internal legal relationships of two emerging IT-enabled financial services: (1) mobile and micro payment; (2) third party payment. It focused on the restrictive effect of existing legal framework, and analyzed possible opportunities resulting from industry innovation, as well as cross-sectoral competition. Several unsettled legal disputes and consumer protection issues are carefully examined in respecting parts of this paper.

並列關鍵字

mobile payment ； micro payment ； third party payment ； IT-enabled services