第三方支付之研究-纵横全球互联网交易平台.pdfVIP

第三方支付之研究 沈淑惠 摘 要 第三方支付是一個為網路交易 方便而提供保障的獨立機構 ，並可以讓交易 順利完成的一種交易模式，在交易過程中，當買家購買商品時， 其貨款不是直 接匯入賣家的銀行帳戶 ，而是先匯入第三方支付的銀行帳戶上，當買家確認收 到貨品 並且無異議時，會通知第三方把貨款匯入賣家的帳戶， 而第三方就相當 於一個獨立的金融機構，在交易過程中保障了交易的順利進行 ；此種支付模式 不僅讓買賣雙方的交易活動更為方便，而且對經濟的活絡具有促進作用 。台灣 在金融市場的操作上，由於第三方支付模式仍具有法令規範、風險繁多，且銀 行亦可擔任第三方支付的角色。目前國內仍缺乏第三方支付的模式，雖有「非金 融機構支付服務管理條例草案」的設置，但並未具體落實 ，因此，世界各主要國 家對第三方支付的做法，可供國內金融機構推動新種業務的參考 。 關鍵詞：第三方支付；支付風險；B2C ；3C 國立空中大學教師 A Study of Third-Party Payment in Taiwan Shu-huei,Shen Abstract A third-party payment is an independent institution which provided for the guaranteed convenience of online transactions, and can make a successful completion of the transaction process, when the buyer to purchase goods, the payment is not directly into the seller s bank account, but the third-party payment s bank account, when the buyer confirms receipt of the goods and no objection, it will notify the third party to the sellers account payment, and is equivalent to an independent third-party financial institution, it guarantee the transaction process smoothly; these kind of payment mode not only makes it more convenient transactions between buyers and sellers, but also on the promoting activity in economy. However, in case of the financial market operations in Taiwan, due to the third-party payment model still has some problems such as the laws and regulations, the kind of risk, and the bank also served as the role of third-party payment. Owing to lack of third-party payment mode, even through the non- financial institution payment service management Bill was setting, but still not implemented by the government, so the major countries in the world for the practice of third-party payment, available for the reference by the domestic financial institutions. Key words : third-party pay