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  • 學位論文

論我國第三方支付之監管規範-以電子支付機構管理條例為中心

A Study on the Supervision of the Third-Party Payment Service in Taiwan–Take the Act Governing Electronic Payment Institutions as Example

指導教授 : 姚志明

摘要


隨著網路科技的進步與發展,透過網際網路進行線上交易之電子商務已逐漸普及於社會大眾的生活之中,然網路交易雙方對彼此均不熟悉,難以對隱藏在網路線彼端的對方產生信任感,亦使傳統的ATM轉帳、信用卡支付、實體帳戶扣款、預收儲值付款等線上交易之支付工具漸漸無法滿足使用者的需求,限制了線上交易的發展,因此,第三方支付服務由是而生,所謂第三方支付服務,主要是透過第三方支付業者的資金能力提供給使用者相當程度的交易擔保,並且與銀行進行合作、承作類似儲蓄的預付儲值業務,解決了網路交易彼此信任的問題,讓買賣雙方得以在安心的情況下進行交易,無形中也加快了電子商務的發展。 惟第三方支付中如留存資金、預收儲值、無實質交易之電子支付帳戶間款項移轉等服務又涉及傳統金融機構吸收存款、匯兌等專屬業務,因此,為避免法規適用之爭議產生,各國皆立有專法來規範非金融機構的第三方支付服務業者。而主管機關一直持保守嚴謹態度的我國,也終於在2015年2月制定公佈第三方支付專法-電子支付機構管理條例,並於2015年5月正式施行,惟諸多問題仍存有爭議,實有探討之必要。 本文除探究第三方支付服務之法規發展,同時以國際上重要的第三方支付監管法制,與我國現有規範進行比較,探討台灣第三方支付之監管規範與國際立法潮流之異同,並對現有之專法及相關爭議提出評析。

並列摘要


With the progress and development of Internet technology, the transaction online known as e-commerce has become part of people’s lives. However, the buyer and seller on the Internet do not know each other and thus it is difficult for one to trust the other hiding behind the Internet. Therefore, the payment tools in the online transaction, such as traditional ATM transfer, credit card payment, deductions from entity accounts, and pre-payment for purchasing value, have become unable to meet the needs of users and restricted the development of the online transaction, hence the appearance of the third party payment service. Such service provides the users with a much greater guarantee of a safe transaction mainly through the financing ability of the third party payment companies, and cooperates with the banks, conducting the prepaid/stored value operation similar to the deposit so that the trust issues on the Internet are resolved and the buyer and seller can feel comfortable carrying out transactions, which also accelerates the development of e-commerce. However, the third party payment service including retaining funds, receiving in advance stored-value and the non-real transactions of “money transfers between electronic payment accounts” also involves the operations of deposit and remittance handled exclusively by traditional financial institutions. Thus, to avoid the controversy arising over application of laws and regulations, specific laws have been made by other countries to regulate the third party payment service providers not belonging to financial institutions. Furthermore, in Taiwan, the competent authority originally holding the conservative, rigorous views on such issues finally made and announced in February 2015 the specific law on the third party payment—Electronic Payment Act, which was implemented in May 2015. Nevertheless, many problems still remain controversial that require further discussion. In addition to investigating the regulation development of the third party payment service, this paper also explores the similarities and differences between the specific law on the third party payment made in Taiwan and the international trend of such legislation, and proposes the evaluation and analysis of the existing specific law and its relevant disputes by making a comparison between the important examples of legislation on the third party payment in the world and current regulations in Taiwan.

參考文獻


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