모바일 소액결제의 문제점과 제도개선방안

• 영문명: A Study on the legal problems and proposals for improvement on Internet Mobile Payment System
• 발행기관: 경희법학연구소
• 저자명: 정완용(Chung, Wan-Yong)
• 간행물 정보: 『경희법학』제40권 제1호, 29~56쪽, 전체 28쪽
• 주제분류: 법학 > 민법
• 파일형태: PDF
• 발행일자: 2005.06.30

영문 초록

Online transactions have raised several issues. For example, when procuring online services, customers are occasionally asked to choose their means of payment, which frequently includes the payment by credit cards, Internet banking by digital signatures or electronic money, small sum prepaying, the payment by mobile phones or ARS(Audio Response System). Among these methods, especially the payment by mobile phone and ARS payment method are preferred by both the customers and the digital contents providers because of their convenience. This paper aims to propose the schemes for improvement on the several problems related to Internet mobile payment system. First, it deals with the refund provisions in online services contract forms. If an online service provider has to refund the money paid by a customer there are some limits to do so in relevant contract provisions. Second, this paper points out that the enterprises using electronic payment including payment gateway companies, should apply a clear statement and explanatory obligations in online transactions. Third, this paper proposes to make standard contract form for the customers of Internet contents transactions. Fourth, it deals with the protection for personal information during the mobile payment. Fifth, it deals with a problem of parents consent on minority payment in online services. Sixth, it proposes to make a class action system for the customer protection in the field of mobile payment in online transactions.

목차

Ⅰ. 서 론

Ⅱ. 소액결제의 현황

Ⅲ. 소액결제의 피해사례

Ⅳ. 소액결제의 법적 문제점 및 해결방안

Ⅴ. 맺음말

키워드

전자지급결제수단 인터넷 신용카드 모바일 소액결제 휴대폰결제서비스 디지털콘텐츠 개인정보보호 집단소송 표준약관 법정대리인 미성년자 전자화폐 Internet Mobile Payment ARS Payment electronic money digital content provider standard contract form personal information online transaction parents consent minority payment.