Wybrane aspekty prawnej konstrukcji eWallet
There are many commercially-functioning electronic (mobile) wallets. Presented examples include MyWallet offered by T-Mobile and Google Wallet. Apart from the payment function, such wallets may have other options, such as collecting loyalty points, buying tickets, storing electronic signatures or...
| Published in: | Problemy Zarządzania |
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| Main Author: | |
| Format: | Article |
| Language: | English |
| Published: |
Wydawnictwo Naukowe Wydziału Zarządzania Uniwersytetu Warszawskiego
2015-09-01
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| Subjects: | |
| Online Access: | https://pz.wz.uw.edu.pl/resources/html/article/details?id=169559 |
| Summary: | There are many commercially-functioning electronic (mobile) wallets. Presented examples include MyWallet
offered by T-Mobile and Google Wallet. Apart from the payment function, such wallets may have other
options, such as collecting loyalty points, buying tickets, storing electronic signatures or certificates.
In legal terms, the service consists of a series of legal relations: the software license agreement, the
contract for entrusting and processing of personal data as well as the service contract within the meaning
of Art. 750 of the Civil Code. Payment functions can be offered directly by the provider of eWallet or
provided by third parties. Payment functions (as opposed to other services of eWallet) may, however,
be provided only by entities with appropriate administrative permissions (licenses). Therefore, in the legal
sense, it is crucial to distinguish which services constitute payment services. In particular, an eWallet
itself is not an electronic purse (within the meaning of electronic money instrument) or a payment
instrument. The aim of this article is to describe some legal aspects of eWallet, in particular with regard
to payment services and services provided by Mobile Network Operators. |
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| ISSN: | 1644-9584 2300-8792 |