上海律师杨春宝主持的法律专业网站群: 法律桥 :: 会见律师网 :: 公司投资律师 :: 创业与法律 :: 律师博客 :: 法律论坛 :: Law Bridge
聘请律师: 法律顾问 :: 公司法律师 :: 投资律师 :: 房地产律师 :: 知识产权律师 :: 电信网络律师 :: 法律服务热线:13901826830(杨春宝律师)
主持律师 会见公司投资律师 会见房地产律师
联盟律师 会见知识产权律师 会见电信网络律师
最新文章
·我国域名管理新办法行将施行
·域名及其管理若干法律问题研究
·网络时代的国际商事仲裁
·电子货币及相关法律、监管问题
·从全球范围看域名法律问题
·《互联网上网服务营业场所管理条例
·电信网络法律期刊
·电子空间(cyberspace)的发展与规制
·电信经营许可收紧了?
·简析域名纠纷适用法律的司法解释
推荐文章
·我国域名管理新办法行将施行
·域名及其管理若干法律问题研究
·网络时代的国际商事仲裁
·电子货币及相关法律、监管问题
·从全球范围看域名法律问题
·《互联网上网服务营业场所管理条例
·电子空间(cyberspace)的发展与规制
·电信经营许可收紧了?
·简析域名纠纷适用法律的司法解释
·重构科学统一的域名管理体系(《电
最热文章
·电子货币及相关法律、监管问题
·域名及其管理若干法律问题研究
·电子空间(cyberspace)的发展与规制
·《互联网上网服务营业场所管理条例
·从全球范围看域名法律问题
·简析域名纠纷适用法律的司法解释
·网络时代的国际商事仲裁
·我国域名管理新办法行将施行
·电信网络法律期刊
·电信经营许可收紧了?
 
相关文章
·我国域名管理新办法行将施行
·域名及其管理若干法律问题研究
·网络时代的国际商事仲裁
·电子货币及相关法律、监管问题
·从全球范围看域名法律问题
·《互联网上网服务营业场所管理条例
·电信网络法律期刊
·电子空间(cyberspace)的发展与规制
·电信经营许可收紧了?
·简析域名纠纷适用法律的司法解释
相关专题
·湖南郴州李毅律师
·山东济南邹维高律师
·山东潍坊张吉全律师
·江西吉安李海军律师
·广东广州江秀峰律师
·上海马辉律师
您的位置:会见律师网>>电信网络法>>法律研究>>文章内容
 
电子货币及相关法律、监管问题

作者:杨春宝律师 来自:法律桥 时间:2004-12-19 20:40:20

您是本文第  位阅读者  【字体:放大 正常 缩小



Reference:

1.Thomas P. Vartanian, The Future of Electronic Payments: Roadblocks and Emerging Practices, available at http://www.ffhsj.com/bancmail//bmarts/roadblck.htm
2.Thomas P. Vartanian, Key Question for Emerging Systems: Where is the Money?, Am. Banker, June 17, 1996, available in 1996 WL 5565107.
3.Thomas P. Vartanian, The Emerging Law of Cyberbanking: Dealing Effectively with the New World of Electronic Banking & Bank Card Innovations, available at http://www.ffhsj.com/bancmail/tpvcon.htm
Andreas Furche & Graham Wrightson, Computer Money: a Systematic Overview of Electronic Payment Systems, dpunkt, 1996
4.DICKIE, Internet and Electronic Commerce Law in the European Union, Hart Publishing, Oxford, 1999
5.Alan L Tyree, Virtual Cash ?Payments on the Internet, (1996) 7 Journal of Banking & Finance Law and Practice, 35, 139, 233
6.Alan L Tyree, Smart Card, (1995) 6 Journal of Banking & Finance Law and Practice, 297
7.The Federal Reserve Bank of Minneapolis, The History of Money, available at http://woodrow.mpls.frb.fed.us/econed/curric/history.html
8.Craig D Manson, Electronic Money And its Legal Implications Within The UK, available at http://www.electronic-money.co.uk/Diss2.htm
9.Olivier Hance and Suzan Dionne Balz, The New Virtual Money: Law and Practice, 423 Kluwer Law 1999
10.BIS Publications, Risk Management for Electronic Banking and Electronic Money Activities, March 1998, available at http://www.bis.org/publ/bcbs35.htm
11.Juergen Seitz and Eberhard Stickel, Internet Banking - An Overview, available at http://www.arraydev.com/commerce/JIBC/9801-8.htm
12.M Stathopoulos, Modern Techniques for Financial Transactions and their Effects on Currency: General and National Reports, Kluwer Law International (1995) 1
13.Randall W. Sifers, Regulating Electronic Money in Small-Value Payment Systems: Telecommunications Law as a Regulatory Model, available at http://www.taxi-l.org/emoney.htm
14.OLUJOK? E AKINDEMOWO, The Fading Rustle, Chink and Jungle: Electronic Value and the Concept of Money, UNSW Law Journal, available at http://www.law.unsw.edu.au/unswlj/ecommerce/akindemowo.html
15.2 Furash & Company, Banking's Role in Tomorrow's Payment System Overview 1, 29 (1994)
16.Carol Sergeant, E BANKING: RISKS AND RESPONSES, available at http://www.fsa.gov.uk/pubs/speeches/sp46.html
17.David Carse, The Regulatory Framework of E-banking, available at http://www.info.gov.hk/hkma/eng/speeches/speechs/david/speech_081099b.htm
18.Kelly Holland and Amy Cortese, The Future of Money, Business Week, June 1995
19.Loretta J. Mester, The Changing Nature of the Payments System: Should New Players Mean New Rules, Bus. Rev. (Fed. Res. Bank of Philadelphia), March/April 2000
20.D Stewart, The Future of Digital Cash on the Internet, J.I.B.C. available at http://www.arraydev.com/commerce/JIBC/9703-02.htm
21.HICKEY, E-commerce: Law, Business and Tax Planning, Jordans, Bristol, 2000
22.Robert Hettinga, Internet Banking and Commerce: Security, available at http://www.arraydev.com/commerce/JIBC/9601-2.htm
Alan Greenspan, Regulating Electronic Money, available at http://cato.org/pubs/policy_report/cpr-19n2-1.html
23.Mauro Cipparone, The Role of the Central Bank in the Growing Industry of Internet Payments, available at http://www.arraydev.com/commerce/JIBC/9605-6.htm


1 Davies Glyn, A history of money from modern times to the present day, 1996

2 M Stathopoulos, Modern Techniques for Financial Transactions and their Effects on Currency: General and National Reports, Kluwer Law International (1995) 1 at 3-11.

3 Geoffrey Turk, Money and Currency in the 21st Century, recited from Craig D Manson, Electronic Money And its Legal Implications Within The UK, available at http://www.electronic-money.co.uk/Diss2.htm

4 The Clearing House Interbank Payment Systems (CHIPS) is a private sector system owned and operated by the New York Clearing House Association, which is an online, real-time electronic payment system that transfers and settles transactions. See 2 Furash & Company, Banking's Role in Tomorrow's Payment System Overview 1, 29 (1994), at 3, 61-63.

5 The Society for Worldwide Interbank Financial Telecommunications (SWIFT) is a not-for-profit cooperative with headquarters in Brussels, Belgium. SWIFT is actually a financial messaging system rather than a payments system. The system facilitates interbank transfer of information but presupposes a separate system for effecting the payment. See id. at 2, 55-57.

6 Fedwire is a real time payments system operated by the Federal Reserve of the USA for financial institutions that have either reserve or clearing accounts at a Federal Reserve Bank. See id. at 2, 45-47.

7 Check truncation is a hybrid paper/wire transfer system that provides for the interruption of the transfer of the paper and the substitution for it by an electronic transfer. See id. at 13-16.

8 The ACH payment mechanism was established as an electronic alternative to the traditional paper based check collection system. Today it is used to conduct high volume repetitive transactions such as those involved in direct deposits, social security payments, and automatic bill-paying services. See id.

9 Thomas P. Vartanian, Key Question for Emerging Systems: Where is the Money?, Am. Banker, June 17, 1996, available in 1996 WL 5565107.

10 The Federal Reserve Bank of Minneapolis, The History of Money, available at http://woodrow.mpls.frb.fed.us/econed/curric/history.html (visited Oct. 8, 2000)

11 Randall W. Sifers, Regulating Electronic Money in Small-Value Payment Systems: Telecommunications Law as a Regulatory Model, available at http://www.taxi-l.org/emoney.htm (visited Oct. 18, 2000)

12 Draft Directive Article 1(3) 1.2(b)

13 Transcript of the Federal Reserve Board Consumer Advisory Council Meeting, Nov. 2, 1995 at 35.

14 Thomas P. Vartanian, The Future of Electronic Payments: Roadblocks and Emerging Practices, available at http://www.ffhsj.com/bancmail//bmarts/roadblck.htm

15 Mondex homepage http://www.mondex.com

16 VISA Cash homepage http://www.visa.com/pd/cash/main.html

17 DigiCash homepage http://www.digicash.com. Unfortunately the company collapsed in November 1999.

18 D Stewart, The Future of Digital Cash on the Internet, J.I.B.C. available at http://www.arraydev.com/commerce/JIBC/9703-02.htm

19 Loretta J. Mester, The Changing Nature of the Payments System: Should New Players Mean New Rules, Bus. Rev. (Fed. Res. Bank of Philadelphia), March/April 2000, at 3. See also Thomas P. Vartanian, Robert H. Ledig, & Lynn Bruneau, 21st Century Money, Banking & Commerce 286 (1998).

20 Kevin P. Sheehan, Electronic Cash, Banking Rev. (FDIC) 1 (Vol. II, No. 2 1998).

21 Thomas P. Vartanian, The Emerging Law of Cyberbanking: Dealing Effectively with the New World of Electronic Banking & Bank Card Innovations, available at http://www.ffhsj.com/bancmail/tpvcon.htm, recited from Jon Auerbach, Microsoft Now Seeks Friendly Footing with Nation's Big Banks, THE BOSTON GLOBE, Jan. 2, 1996, at 45.

22 Some argue that the money received by the issuer of an electronic purse is a bank deposit. It is indeed a claim which the card-holder (or account holder) has on a third party and which can be used to make cashless payments to a wide range of providers of goods and services. Such deposits contrast with deposits which are payments in advance for which the range of goods or services to be purchased is well defined and limited in scope. See Working Group on European Union Payments Systems, Report to the Council of the European Monetary Institute on Prepaid Cards 7 (1994). Recited from Randall W. Sifers, Regulating Electronic Money in Small-Value Payment Systems: Telecommunications Law as a Regulatory Model, available at http://www.taxi-l.org/emoney.htm. Some argue that non-account e-money actually constitutes a form of bond because e-money constitutes a promise that the electronic currency presented for payment, will be redeemed by the issuer, with the strength of such a promise depending on the reputation and financial situation of the issuer. See Hugh Piggot, Electronic Cash and Payment Systems: Digitising the Future. Recited from Craig D Manson, Electronic Money And its Legal Implications Within The UK, available at http://www.electronic-money.co.uk/Diss2.htm

23 Report to the Council of the European Monetary Institute on prepaid cards May 1994

24 Published May 1998, available at http://www.ecb.int/emi/pub/pdf/ar97/en_ar97.pdf.

25 Olivier Hance and Suzan Dionne Balz, The New Virtual Money: Law and Practice, 423 Kluwer Law 1999

26 61 Fed. Reg. 19,696 (1996).

27 Omnibus Consolidated Appropriations Act, 1997, Pub. L. No. 104-208, 2601, 1996 U.S.C.C.A.N. (110 Stat.) 1363.

28 Notice of FDIC General Counsel's Opinion No. 8, 61 Fed. Reg. 40,490 (1996).

29 Robert Hettinga, Internet Banking and Commerce: Security, available at http://www.arraydev.com/commerce/JIBC/9601-2.htm

30 Ibid.

31 Ibid.

32 1999/C 101/15

33 BIS Publications, Risk Management for Electronic Banking and Electronic Money Activities, March 1998, available at http://www.bis.org/publ/bcbs35.htm

34 Basel Committee on Banking Supervision published Electronic Banking Group Initiatives and White Papers in October 2000.

35 David Carse, The Regulatory Framework of E-banking, available at http://www.info.gov.hk/hkma/eng/speeches/speechs/david/speech_081099b.htm

36 Alan Greenspan, Regulating Electronic Money, available at http://cato.org/pubs/policy_report/cpr-19n2-1.html

37 Recited from Mauro Cipparone, The Role of the Central Bank in the Growing Industry of Internet Payments, available at http://www.arraydev.com/commerce/JIBC/9605-6.htm

38 See Kelly Holland and Amy Cortese, The Future of Money, Business Week, June 1995 at 66 (quoting David Saxton, Executive Vice President of Netl, an electronic check communications company)


[首页]    [上一页]    [下一页]    [末页]    
发送给好友】【刷新本页】【打印本页】【关闭窗口】【本页顶部

  发表评论须知:
  • 请注意文明用语,请勿人身攻击。
  • 请尊重网上道德,遵守中华人民共和国各项相关法律法规。
  • 您应当对因您的行为而直接或间接导致的民事或刑事法律责任负责。
  • 本站有权在网站内转载或引用您的评论。
  • 网站管理员有权删除违反上述提示的评论。
  • 法律咨询请勿在此提出,咨询请去律师论坛
  • 参与本评论即表明您已经阅读并接受上述条款。
会员名称:
匿名用户 ·注册用户·忘记密码?
密码:
评论内容:
(最多300个字符)
  查看评论

本站声明:本站所载之法律论文、法律评论、案例、法律咨询等,除非另有注明,著作权人均为站长杨春宝律师本人。欢迎其他网站链接,但是,未经站长书面许可,不得擅自摘编、转载。引用及经许可转载时均应注明出处“会见律师网”,并链接本站。本站网址:http://www.meetlawyer.com/.

本站所有内容(包括法律咨询)仅供参考,不构成法律意见,站长不对资料的完整性和时效性负责。您在处理具体法律事务时,请洽询有资质的律师。本站将努力为广大网友提供更好的服务,但不对本站提供的任何免费服务作出正式的承诺。本站所载投稿文章,其言论不代表本站观点,如需使用,请与原作者联系,版权归原作者所有。