기업과 개인 간 지급결제시스템의 함축적 의미와 발전 방향에 대한 헌법적 논의: 소비자 및 기업의 기본권 보장을 중심으로

Today’s payment system is a medium that connects consumers and businesses. Of course, the process includes payment intermediaries, various means, and financial institutions, but overall, it is clear that it is a link between consumers and businesses. However, if exposed to cyber crimes such as hacking, there is a high possibility that consumers will suffer serious damages, and this will reduce the business profits of businesses. Therefore, this study examined the clear concept of the payment system and identified legislative examples in major countries such as the European Union, Canada, and Japan. In particular, for the establishment of the payment system, it included constitutional issues and grounds for the rights of consumers and businesses, directions for establishing fundamental rights, and opinions for the democratization of the market economy. In the future, if another form of payment method is developed and it acts as a mediator between consumers and businesses, it is necessary to approach it from various angles. In other words, since there are various side effects due to rapid technological development, I think that policy responses are necessary along with consumer education. However, attempts and efforts to solve these problems have already begun, and I believe that this shows that society as a whole is moving in a better direction.