한국과 미국의 전자결제제도 비교연구

• 영문명: A Comparative Study on the Electronic Payment System between United States and Korea
• 발행기관: 한국통상정보학회
• 저자명: 이병렬(Byeong-Ryul Lee)
• 간행물 정보: 『통상정보연구』제11권 제1호, 27~43쪽, 전체 17쪽
• 주제분류: 사회과학 > 무역학
• 파일형태: PDF
• 발행일자: 2009.03.30

영문 초록

This article explored the customers protection regulations in electronic payment system by Article 4A of the UCC and EFTA of 1978 and by Electronic Financial Transaction Act of Korea. Both Korea and America have various regulations to protect concerned parties(customers). For examples, the errors of payment order, money-back guarantee, and unauthorized payment order etc. First, this Article focuses on the allocation of risk of loss caused by ambiguous term in payment orders that do not express the subjective intention of the senders. Second, most rights and obligations created by Article 4A of America can be varied with the agreement of affected parties. But there are some exceptions. The exceptions include the money-back guarantee. So Receiving bank have to pay to originator the ordered money included interest. However, Korea also has money-back guarantee but bank do not pay interest to sender. Lastly, Electronic Funds Transfer Act of 1978 and Regulation E has US$ 50 regulation in order to protect customers on the unauthorized payment order. Article 4A imposes duty to detect unauthorized payment orders to originator in relation to the establishment of commercially reasonable security procedure, while Korean law imposes the duty to notify the bank in order to decrease the loss resulted from unauthorized payment order.

목차

Ⅰ. 서론

Ⅱ. 양국 제도의 구축과정과 구조적 특징

Ⅲ. 고객보호에 대한 양국제도의 비교

Ⅳ. 결론 및 정책적 시사점

참고문헌

Abstract

키워드

EFT errors money-back guarantee unauthorized payment order