The Legal Liability And Assumption Of Mobile Payment Safety Risk

Our lifestyle have been deeply changed by the high speed development of mobilecommunication technology. Along with mobile communication turning from voice todigital,different kinds of mobile value added services spring up.mobile paymentservice is the most potential industry and compared with the traditional paymentmethod,mobile payment has a lot of advantage such as convenient and low cost intrade and in favor of adjust value chain and optimize industrial resource and so on. Inaddition, there are lots of problem in the development process of mobile paymentsuch as business model and technical proposal and legal protection and so on. Thisarticle begin with the revolution of payment industry and analyse the evolution fromold payment industry to mobile payment industry and give some appropriatesuggestions to our country’s mobile payment industry based on our nationalconditions through investigations on the development status in the world’s mobilepayment industry and study of main legal relation and division of liability under themainstream mobile payment model.The article include3parts:The first part mainly elaborate concept and structure of industrial chains anddevelopment status of the mobile payment domain and2mainstream ways of mobilepayment and do some research on the features of the2different payment style.The second part explains the legal liability of the mobile payment safety risk andby comparing two mainstream legal relation,it explain the legal liability of safety riskfrom near field communication and remote payment.The third part narrate the complete from the perspective of law regulation. Thissection start with the comparison of assumption of legal obiligation between newpayment style and old payment style and tease out the law relations among different subjects in the domain of mobile payment and do some moderate elaboration on thedivision liability when dispute occurs.