인문학
사회과학
자연과학
공학
의약학
농수해양학
예술체육학
복합학
DBpia AI
AI 에이전트
AI 아이디어
AI 리더
AI 뷰어
Citeasy
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지원사업
학술연구/단체지원/교육 등 연구자 활동을 지속하도록 DBpia가 지원하고 있어요.
커뮤니티
연구자들이 자신의 연구와 전문성을 널리 알리고, 새로운 협력의 기회를 만들 수 있는 네트워킹 공간이에요.
초록· 키워드
Due to the recent developments in the financial information technology, quick, simple electronic means of payment are being introduced to replace the traditional methods of payment. This paper provides an overview of the electronic means of payment currently being used in the Republic of Korea ("Korea") and analysis of potential legal issues that may be raised in relation to the payment gateway ("PG") business. Chapter II of this paper discusses the instruments of electronic payment presently being used in Korea and various businesses related thereto. In order to utilize the instruments of electronic payment as compared to traditional means of payment such as cash, various service agents are required to participate in the relevant payment processes. The Electronic Financial Transactions Act ("EFTA") recognizes, among other things, electronic funds transfer, electronic debit payment instrument, electronic prepayment instrument, and electronic currency as means of electronic payment and defines an 'electronic financial business operator' as a person who issues and/or manages such means of electronic payment. The EFTA further stipulates other electronic financial business operators who carry out certain functions in the electronic payment processes such as the agents who perform the electronic payment settlement agency service, operate the escrow system and Electronic Bill Presentment and Payment (EBPP) service. In addition, the EFTA defines a 'subsidiary electronic financial business operator' as a person who assists in conducting electronic financial transactions or performs part thereof on behalf of a financial institution or electronic financial business operator or any operator of a PG system. Moreover, although not recognized under the EFTA as either an electronic financial business operator or subsidiary electronic financial business operator, there is a provider of telecommunications billing services who provides other types of electronic payment settlement services as recognized under the Act on Promotion of Information and Communications Network Utilization and Information Protection, etc. ("APIC") Chapter III addresses the legal issues that may arise in connection with the PG business in Korea. Specifically, Chapter III discusses the legal relations involved in the PG business which are analyzed in terms of the Specialized Credit Finance Business Act, EFTA and APIC in connection with the actual instances in which such issues have arisen in practice. Finally, Chapter IV summarizes the interactions and inconsistencies among the various laws/regulations that address the PG business in Korea and makes suggestions to improve such laws/regulations.
#instruments of electronic payment
#electronic currency
#electronic prepayment instrument
#electronic debit payment instrument
#electronic funds transfer
#escrow system
#Electronic Bill Presentment and Payment
#subsidiary electronic financial business operator
#electronic payment settlement service agency
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