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題名 | 電子資金移轉交易相關立法例介紹與淺析=The Law and Related Legal Issues of Electronic Fund Transfer (EFT) |
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作者 | 林育廷; Lin, Yu-ting; |
期刊 | 經社法制論叢 |
出版日期 | 20020100 |
卷期 | 29 2002.01[民91.01] |
頁次 | 頁299-336 |
分類號 | 562.3 |
語文 | chi |
關鍵詞 | 電子資金移轉; 電子銀行; 網路銀行; 電子支付; 消費者保護; 自動櫃員機; Electronic fund transfer; Electronic-bank; Electronic payment; Consumer protection; ATM; EFTA; U.C.C. 4A; |
中文摘要 | 隨著資訊科技的進步與電子終端設備的普及化,不可諱言,電子付款方式已漸漸發展並普及至日常生活應用中。有別於過去透過銀行櫃臺、紙本方式所進行的資金移轉與付款,透過電子資金移轉方式所完成的電子付款成為現代商業交易常見型態。然隨電子付款交易之普及,於電子資金傳送過程中所見相關法律問題與爭議亦隨之而起,對於相關法律爭議如何處理、交易當事人間權利義務關係如何規範,我國迄今仍未有詳盡規範,僅以民法及契約方式解決當事人間爭議。然鑑於電子資金傳送所生爭議及相關法律問題有其獨特性,是有其立法以規範之空間。是故,本文即擬就與電子資金移轉交易所涉相關問題進行探討如次:首論電子資金移轉之意義與性質,次就電子資金移轉交易中銀行與消費者間當事人法律關係進行討論,同時援引美國電子資金移轉法、統一商法第4A章,與聯合國國際入帳移轉模範法之相關規範為比較法之參考,最後再論我國目前電子資金移轉交易之規範現況與相關檢討。本文研析層次將限於銀行與客戶間就資金移轉雙方權利義務關係之分配與相關立法例之介紹。 |
英文摘要 | As people see, paper-based payment systems are rapidly giving way to the electronic transfer of funds due to the development of the information technology and the growing use of computers, ATM and the Internet. However, the emerging electronic fund transfer transactions bring great challenges to the traditional payment system and the legal system, and a lot of un-regulated problems and disputes happen everyday. This article will point out the increasing practical problems and disputes of EFT transactions. The first two chapters will introduce the electronic payment systems and related legal issues, including the transaction types of EFTs and the nature of liability and obligation of EFT. Chapter 3 will introduce law of electronic fund transfer, consumer protection, Electronic Fund Transfer Act of U. S. A, U. C. C. Article 4a, Uniform State Legislation of U. S. A and the UNCITRAL Model Law on International Credit Transfers. Then the law of EFT in Taiwan and the related legal issues and problems of EFT in Taiwan will be discussed in the article. |
本系統之摘要資訊系依該期刊論文摘要之資訊為主。