Legal Study on Recent Development of Electronic Payment Mechanism

• Main Authors: JING-YU,LIN, 林靜瑀
• Other Authors: Chi-Min,Yu
• Format: Others
• Language: zh-TW
• Published: 2015
• Online Access: http://ndltd.ncl.edu.tw/handle/45645931000821054157

碩士 === 東吳大學 === 法律學系 === 103 === With the growing popularity of the mobile communication technology and the Internet, the patterns of life and consumption have been changed by technology progress. Along with the growing development of E-Commerce, the new type of O2O and B2B2C transaction models have been developed. No matter what kind of transaction models have been developed, the complete funds system still has been the necessarily important part. Furthermore, the third-party payment especially provides the safe channel of cash flow. It’s make the consumers to have the safeguards when the online shopping by theirs. For the aforesaid reason, the non-financial institutions (specialized electronic payment institutions) base on their own excellent technological capability to engage in the payment businesses. In order to act in concert with the industry, Financial Supervisory Commission, R.O.C (Taiwan) promulgated " The Act Governing Electronic Payment Institutions " and related Regulations, which activated from 3 May 2015. The non-financial institutions and the financial institutions engage concurrently in electronic payment services that should comply with the said Act and related Regulations. The research topic of this thesis focuses on analyzing third-party payment supervisory regulations of the United States, European Union, China and Japan. And the recommendations make on Market-Access Mechanism, Customer Funds Management, Consumer Protection and Anti-Money Laundering of the said Act and related Regulations. Hope this thesis will provide research conclusions and policy suggestions with the aim of further advancing the development of “Payment Service” in Taiwan.