간편결제서비스에 관한 연구 — 전자지급결제대행(PG)을 중심으로 —

Abstract

Naver Pay or Kakao Pay is a new form of payment method, and various payment methods such as credit cards, account transfers are registered in advance, and simple payment services are provided by entering the simple payment password. Simple payment service refers to a service that reduces the process of entering credit card information and public certificates every time and then makes payments easily through simple authentication processes such as password and fingerprint recognition. Such simple payment services have grown nearly three times in the last three years in terms of the number of use and the amount of payments. Among them, the payment amount using Payment Gateway(PG) was the largest, and the payment method of registering a credit card was the most frequently used. The emergence of simple payment services, inherently implies conflicts between the development of innovative IT technologies and legal domains involved. In this paper, legal issues related to the simple payment service, in which PG accounts for the largest portion of the simple payment service with pre-registered credit card as a means of payment will be examined. Also the legal relationship between parties related to the simple payment service and the responsibilities of PG will be examined . Under the Credit Finance Business Act, PG are not liable for defective credit card transactions to credit card companies in principle. However, PG will only bear the obligation to notify consumers who are credit card members and to cancel orders and process refunds for members. In addition, Under the Electronic Financial Transactions Act, PG are responsible as electronic financial operators to consumers who are users of electronic financial transactions. If an online shopping mall can be a franchise under the Electronic Financial Transactions Act, PG may be held responsible for the defective credit card transaction.