전자화폐의 구현에 따른 법적 쟁점에 관한 소고

다국어 초록 (Multilingual Abstract)

E-Money is not cash. This is the conclusion that I derived from this study.<br/>
If e-money is cash, many problem that I addressed in this paper will be no more problem. But as e-money is not cash, we, especially those who concerned about payment mechanism, point out many potential problems including the effect on role of central bank bye-money.<br/>
So, agency having a responsibiliy for these issues should monitor the effect by e-money, originator of e-money and etc.<br/>
The main issues addressed in this paper are as follows:<br/>
First, this paper makes a distinction among types of e-money, IC card type versus Network type, open-loop type versus closed-loop type, online type versus offline type and accountable type versus unaccountable type, and analysises the clear and accurate criterion.<br/>
Second, generally speaking, e-money is a claim on originator of e-money and not legal tender, so, delivery of e-money by itself does not relieve of monetary obligation.<br/>
Because it is not easy to define e-money, by now there are many definitions of e-money. there is a legal uncertainty accordingly and then it is not easy to find proper law applicable to resolve a particular issue.<br/>
As a result, many problems relating to e-money would be solved through analogical application of the most proper law among the laws that apply to the cach, check, credit card, or fund transfer after analyzing type of e-money at issue.

목차 (Table of Contents)

• Abstract
  
• Ⅰ. 서론
  
• Ⅱ. 전자화폐의 구현에 따른 쟁점
  
• Ⅲ. 결론
  
• 참고문헌