第三方支付於台灣的發展現況與未來應用

Abstract

網際網路的發展促進商業行為的改變，進而影響了傳統消費行為，透過非實體面對面交易，以電子形式紀錄、驗證及傳遞的商務行為，可通稱為「電子商務」。在網際網路的行為模式可以簡單的區分為資訊流、物流、金流與商流，從事電子商務發展者缺一不可。 本文研究多樣支付工具，條列其特性及運作流程與適用時間地點，並以案例為未來的第三方支付及行動支付作出應用說明，帶來更多的想像空間。 今年(2014)金管會、經濟部商業司近兩年舉辦多場公聽會及金流平台業者提出建議並參考國外現行運作，專屬於國內的第三方支付草案已經完成，待行政院提交至立法院進行三讀，可望明年施行台灣第三方支付專法，業者有所依循後，各式金流支付的應用將不只有網路購物，除了實體商店外也會應用到自動化支付及行動支付。本研究整理認為透過實務經驗及對於應用面的探討，促進各方面能更了解第三方支付專法對於台灣發展的重要性，管理當局更了解業界需求，也更有效率的管理與開放，創造更全面的電子商務商機。

The internet development has helped to change the business behaviors an effect the traditional consumer behaviors. Through non-cash face to face transaction by electronic recording, verifying and transmission commercial behaviors can all be categorized as “e-commerce”. The internet behavior models can be simplified into a number of categories , namely information flow, material flow, capital flow and business flow, Non of these flows can be missed in the development of e-commerce. This research studies a number of e-commerce payment tools by listing each of its characteristics , operation procedure and time and place of application. This research also use case studies to demonstrate the application of third party payment a d mobile payment and bring more imagination for the future. This year (2014), the Financial Supervisory Commission R.O.C (FSC) and the Department of commerce, the Ministry of Economic Affairs (MOEA) have hosted many public hearings, collected recommendations for cash flow platform operators and referred to current international practices. A tailor made draft bill of third party payment has been completed and is now pending for legislative approval. It is hopeful that starting form next year, the enactment of Taiwan’s Third Party payment legislation will entitled third payment operators a legal justification to not only apply to online shopping, but also to automatic payment and mobile payment. The research forms the view that by practical experience and discussion over application can help the public to further understand the importance of a dedicated third party payment legislation is to the industry development. The authorities can understand more of the industry’s needs and therefore brings more effective management and give more open market in order to create a thorough opportunities for the development of e-commence.