Transcript Mobile and online payments @ OECD (Brigitte Acoca)

Mobile and online payments
@ OECD
Brigitte Acoca
Policy Analyst/Lawyer
Committee on Consumer Policy (CCP)
European Consumer 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
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
Business models
• More traditional mechanisms still in use
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Account based systems (bank account)
Credit/debit/prepaid cards
Cash on Delivery
Escrow services
• New/evolving services
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Mediating services
Online wallets
Online banking Internet payments
Proximity/mobile point-of-sale
Traditional / new e-payments
– Remote mobile payments
Charged to mobile phone bill
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OECD policy guidance on
mobile and online payments
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Information disclosure
Privacy
Security
Confirmation process
Children
Varying levels of protection
Fraudulent, misleading, unfair commercial
practices
8. Dispute resolution and redress
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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
2. Privacy
• Data collection and use limitations
• Express consent for data unrelated to transaction
• Standardized privacy disclosures and choice
mechanisms
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3. Security
• Authentication is key
• Need for effective redress mechanisms when
consumer data is compromised
• Consumer education
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4. Confirmation process
• Consumers should be clearly informed about
when their transaction is deemed to be
confirmed
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5. Charges incurred by children
• Information on the costs for acquiring or
using goods and services
• Tools for preventing or limiting charges
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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
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7. Combatting fraudulent, misleading and
unfair commercial practices
• Inconsistent payment information throughout the
payment process
• Automatic repeat purchases, contract and
subscription renewals
• Unexpected charges
– Third party billing
– In-product purchases
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8. Dispute resolution and redress
• Information on relevant parties to contact
• Low cost, easy to use and timely dispute
resolution and redress mechanisms
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International co-operation
• ISO
• ICPEN
• UNCTAD
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Contact: Brigitte Acoca
Brigitte. [email protected]