經過多方的爭取電子支付機構管理條例終於制定完成,然而本法之制定係參酌國內相關法規及日本「資金清算法(資金決済に関する法律)」、美國「統一資金服務法(Uniform Money Services Act)」、歐盟「支付服務指令(Payment Service Directive, Directive 2007/64/EC)」與英國「支付服務法(The Payment Services Regulations 2009)」,這些國家對於第三方支付之相關法規,體制上不見得相當一致。 本文就三大面向觀察電子支付機構管理條例及其相關法規, 三大面向分別為市場進入之門檻、資金安全之維護以及消費者權益之保障。以前述之三大面向觀察,並且提出建議。
The Act Governing Electronic Payment Institutions is finally passed by the Legislative Yuan and the President promulgate it. However, the reference of the law including domestic law , Payment Services Act , Uniform Money Services Act, Payment Service Directive, Directive 2007/64/EC, The Payment Services Regulations 2009. Due to system of those laws are different, in this article try to observe three parts of The Act Governing Electronic Payment Institutions, which are the condition of enroll, the safety of the funds and the protection of customer’s right. Base on the observation and make a suggestion. keywords : the third party payments , The Act Governing Electronic Payment Institutions, Electronic commerce, Electronic Payment Institutions