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Mobile and online payments @ OECD. Brigitte Acoca Policy Analyst / Lawyer Committee on Consumer Policy (CCP) European Consumer Summit 1-2 April 2014, Brussels.
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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
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 • 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
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
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
3. Security • Authentication is key • Need for effective redress mechanisms when consumer data is compromised • Consumer education
4. Confirmation process • Consumers should be clearly informed about when their transaction is deemed to be confirmed
5. Charges incurred by children • Information on the costs for acquiring or using goods and services • Tools for preventing or limiting charges
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
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
8. Dispute resolution and redress • Information on relevant parties to contact • Lowcost, easy to use and timely dispute resolution and redressmechanisms
International co-operation • ISO • ICPEN • UNCTAD
Contact: Brigitte Acoca Brigitte. Acoca@oecd.org