論第三方支付平台之使用者權益保護與其線上爭端解決機制之建構

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題名:	論第三方支付平台之使用者權益保護與其線上爭端解決機制之建構
作者:	鄭伊婷;Cheng,Yi-Ting
貢獻者:	產業經濟研究所
關鍵詞:	第三方支付;電子支付機構管理條例;交易履約付款;線上爭端解決機制;Third-party Payment;Electronic Commerce;Money transfer
日期:	2016-06-06
上傳時間:	2016-10-13 14:00:10 (UTC+8)
出版者:	國立中央大學
摘要:	隨著人們使用網路交易日漸頻繁，健全可讓買賣雙方安心之網路付款方式扮演著重要地位，有別於傳統網路轉帳方式，帶有履約保證色彩之第三方支付逐漸受到重視，國際上知名的第三方支付業者如美國 PayPal 與中國支付寶對第三方支付服務皆發展出一套監管規範，而我國第三方支付之相關法律規範於 2015 年始建置，即電子支付機構管理條例與相關子法之正式施行使過去第三方支付遊走於法律模糊地帶之業務得有法律依據運作，而第三方支付平台使用者亦受到法律明文保障。本文首先著重於第三方支付專法—電子支付機構管理條例，就疑義之處提出實務與學者見解加以參照；再者聚焦於第三方支付平台使用者之權益保護與第三方支付平台交易糾紛解決機制之建構。前者主要探討第三方支付平台與使用者間之權利義務，包含契約與侵權責任之分析；後者則係先比較美中台現有第三方支付平台業者解決紛爭之方式，歸納分析其優缺後，嘗試在第三方支付平台之內部紛爭解決機制、行政機關調解、法院訴訟外，提供第三方支付平台使用者另一種替代解決紛爭之方式(如線上仲裁)，得以低成本且符合經濟效率之方式解決交易糾紛，期有助於我國第三方支付產業之長遠發展。;Along with the boom of online transactions, people are increasingly buying things online. A mature Internet payment thus plays an important role in the payment system. Unlike the traditional Internet payment, third-party payment which provides Escrow has gradually been taken seriously. Some famous third-party payment companies such as PayPal of US and Alipay of China have developed a set of regulatory norms. In 2015, we finally passed the legislation of third-party payment called The Act Governing Electronic Payment Institutions. Because the act and the other subordinate laws enforcement, let the third-party payment industry can run in compliance with it and thus consumer rights are protected. Firstly, this thesis tries to assessing the " The Act Governing Electronic Payment Institutions " special law and related sub-law, be aggregated and focused summaries and personal opinions, then focuses on the consumer right and the transaction dispute settlement mechanism of the third-party payment. The former analyzes the rights and obligations between the third-party payment and users, including contract and tort liability; the latter compares the different transaction dispute settlement mechanisms of the third-party payment between America, China and Taiwan. Furthermore, in order to resolve transaction disputations through a low-cost and efficient way, this thesis tries to provide an online dispute resolution mechanism for users which differ in executive mediation and litigation, praying this mechanism can contribute to long-term development of our country′s third-party payment industry.
顯示於類別:	[產業經濟研究所] 博碩士論文

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