한국에서 전자지급결제에 대한 법적 규제의 현황 - 핀테크와 규제완화의 관점에서 -

Abstract

'Electronic payments' means payment other than cash by electronic payment means. Recently, with the spread of mobile phones, electronic payment means (mobile payment means) utilizing mobile phones are also rapidly developing Fintech is, in short, the development of these mobile payment means. Mobile payment means are driving the development of fintech in that they are both means of access to system for electronic payments and a useful means of authenticating a person. In this paper, we examine the development process of electronic payment means by dividing into three types of ①account type, ② credit card type, and ③electronic money type, and examine the development of fintech in each case. Next, we review the current status of legal regulations on electronic payments and the trend of recent deregulation in Korea. I think the recent fintech craze can be understood as an attempt to integrate these three types of electronic payment means on mobile. Although various forms of fintech technology are emerging and we should watch the development process more in the future, we think that mobile payment means will eventually be understood by reducing to the above three categories. Therefore, understanding of the legal structure of electronic payment by the electronic payment means (①②③) is also essential for understanding the legal structure of mobile electronic payment.