Research On The Third Party Payment Law In Online Transaction

The internet is indeed to facilitate the lives of ours, but at the same time the risk of payment is also quietly come. As buyers and sellers do not know each other and do not meet at the transaction, compared with traditional trading the chance that buyer has paid, the seller not shipping or sellers has deliver the goods, buyers of non-payment fraud phenomenon. So, the third-party has come into being of the payment platform, to dispel the concerns of between the two parties, and solve the problem, and greatly urging the vigorous development of the internet payment. But in view of China’s e-commerce is still at the beginning, the development and application of legal regulation are not enough in-depth and detailed. A mature law will face the challenges of the times, not to mention e-commerce is still in a state of "barefoot", its development should also put the entire environment ponder.Except the introduction and conclusion part, this paper can be divided into four parts:Chapter one explains the theoretical basis for part of the third-party payment of online transactions. Online transactions and third-party payment were introduced from its generating features to be summarized. Followed by the evolution of the means of payment in the trading of goods and services, the development process of China’s online trading third-party payment. Third-party payment for online transactions again make a comparative analysis of defined characteristics of credit and bank; Finally, the analysis shows that the third-party payment platform mode;Chapter two is the current situation and problems of the third party payment for our online trading. It reveals the type of problems from its status of development and legislation, performance and causes, which leads to the following chapters;Chapter three is one of the problems:the third-party payment precipitation funds. This chapter summarizes the precipitation of the source of funds, the legal nature of precipitation funds and its interests. In my opinion, explain the use of funds;Chapter four is the second problem:the protection of consumers. From our country’s legal regulation and foreign legal regulation as the main line of external and internal problems encountered in the consumer elaborate, and the introduction of a case description of the rights of consumers;Chapter five is the third issues:taxes. Also from China and foreign are discussed, reference statute, charts and tax their deductive reasoning and in-depth research and analysis;Chapter six is about how to let the system of China’s online trading third-party payment to be perfect. From the analysis of the system design concept and then to discuss our third-party payment companies capital operation system, such as IPO, financial, and regulatory system for third party payment companies to provide some specific ideas.