第三方支付一詞隨著阿里巴巴創辦人馬雲提出後開始受到關注，其主要提供網路交易金流層面之服務。然該制度並非創新建立，亦非憑空而來，而係過往網路交易有不足之處，希冀藉著移植不動產之相關制度解決遇到之瓶頸。因此本文分析最初買賣交易態樣到電子商務下網路交易之整體歷程，並輔以討論其不足之處，藉以了解何以有第三方支付之需求，並對其概念有所釐清。 又於2015年後有專法之誕生，主要針對相關業者之監理去設立規範，對於法律定性未有太多琢磨。然法律定性乃釐清後續權利義務歸屬之基礎，有其研究價值；又於第三方支付系統中，消費者比起有一定規模之企業經營者處於弱勢之位，有保護之必要，因此本文將針對第三方支付提供「代收轉付」、「履約保證」與「預付儲值」三種金流服務機制並輔以消費者保護之視角對其法律定性進行分析。 ;Third-Party Payment is starting to get more attention after Ma Yun, the founder of Alibaba, created it. Its main application is to provide service of internet cash flow. It is not a newly invented system but a transplanted real estate transactions system hoping to solve problems of internet transaction. This article analysis the evolution of transactions from initial bartering goods to internet transaction of E-commerce. And by discussing its cons, we can understand why the need of third-party payment is rising and clarify the concepts. The Act Governing Electronic Payment Institutions promulgated in 2015 is mainly to supervise on related corporation, so there are not a lot of studies on its contract nature. However, contract nature is the basis of understanding of the attribution of rights and obligations, it’s vital to research. Furthermore, consumers are in a weaker position than large-scale enterprises. So there is a need to protect consumers. Thus this article will analysis the contract nature of the three mechanisms that provide by third-party payment service: ”collections and payment transfer”, “escrow”, and “prepaid deposit” from the perspective of consumer protection.
