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Mobile and online payments @ OECD

Mobile and online payments @ OECD

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Mobile and online payments @ OECD

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  1. Mobile and online payments@ OECD Brigitte Acoca Policy Analyst/Lawyer Committee on Consumer Policy (CCP) EuropeanConsumer Summit 1-2 April 2014, Brussels The views expressed in this presentation are those of the author and do not necessarily reflect the opinions of the OECD or its Membership

  2. Overview of B2C e-commerce work • 1999 OECD e-commerce guidelines (http://oecd.org/dataoecd/18/13/34023235.pdf) • 2008 OECD Ministerial on the Future of the Internet Economy • Policy guidance on mobile commerce (www.oecd.org/dataoecd/49/38/40878993.pdf?contentId=40878994) • Review of 1999 guidelines • 2009 Conference on Empowering E-Consumers(www.oecd.org/ict/econsumerconference) • Mobile and online payments: Policy Guidance and Report (oe.cd/mobile-payments) • Digital content products (Report, at:http://dx.doi.org/10.1787/5k49czlc7wd3-en) • Participative e-commerce • Outcomes: new/revised instruments

  3. Business models • More traditional mechanisms still in use • Account based systems (bank account) • Credit/debit/prepaid cards • Cash on Delivery • Escrow services • New/evolving services • Mediating services • Online wallets • Online banking Internet payments • Proximity/mobile point-of-sale Traditional / new e-payments • Remote mobile payments Chargedto mobile phone bill

  4. OECD policy guidance on mobile and online payments • Information disclosure • Privacy • Security • Confirmation process • Children • Varyinglevels of protection • Fraudulent, misleading, unfair commercial practices • Dispute resolution and redress

  5. 1. Information on the terms, conditions, and costs of transactions • Accessibility and readability of payment-related information • Complexity of payment terms and conditions • Clarity and transparency of billing statements

  6. 2. Privacy • Data collection and use limitations • Express consent for data unrelated to transaction • Standardized privacy disclosures and choice mechanisms

  7. 3. Security • Authentication is key • Need for effective redress mechanisms when consumer data is compromised • Consumer education

  8. 4. Confirmation process • Consumers should be clearly informed about when their transaction is deemed to be confirmed

  9. 5. Charges incurred by children • Information on the costs for acquiring or using goods and services • Tools for preventing or limiting charges

  10. 6. Varying levels of protection among payment providers and payments means • Development of mechanisms for informing consumers about their rights and obligations • Development of minimum levels of protection across payment mechanisms

  11. 7. Combatting fraudulent, misleading andunfair commercial practices • Inconsistentpayment information throughout the paymentprocess • Automatic repeat purchases, contract and subscription renewals • Unexpected charges • Third party billing • In-productpurchases

  12. 8. Dispute resolution and redress • Information on relevant parties to contact • Lowcost, easy to use and timely dispute resolution and redressmechanisms

  13. International co-operation • ISO • ICPEN • UNCTAD

  14. Contact: Brigitte Acoca Brigitte. Acoca@oecd.org