| Summary: | 碩士 === 國立中正大學 === 會計與資訊科技研究所 === 107 === The booming of third-party payment brings up various payment ways for consumers in Taiwan recently. However, regulations related to third-party payment in Taiwan are not comprehensive and insufficient. Forthermore, related regulations in Taiwan are far behind those regulations in America and mainland China. Therefore, many information security problems occur in the environment of third-party payment in Taiwan. This study aims to explore the platforms, regulations and management strategies of third-party payment from America, Mainland China and Taiwan.
This study selects Paypal, ALiPay and O’Pay as research targets to explore their business models. Then, this study compares the regulations listed on the above three platforms to figure out the differences among them.The above three platforms are binding with Debit card or Credit card to fulfill the payment of cash flow.However smart-phones has becoming the major device of payment,so that study further compares Apple Pay,Taiwan Pay and We chat Pay.The research finding show that QR Code combined with smart-phones is the most popular technologue.The binding way is to bind with accounts in a pacific bank to make sure that the payment can be fulfilled.
The research findings reveals that “The Self-Guiding Regulations of Contract Third-Party Payment Providers for Credit Card Issuers” in Taiwan is not comprehensive. This study suggests that “Uniform Money Services Act” of America and “Administrative Measures for the on-line Payment Business of Non-Banking Payment Institutions” in Mainland China can amend the insufficient of related regulations in Taiwan. After discussing how to amend the insufficient, this study expect the research findings can be beneficial for the development of third-party payment market in Taiwan.
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