Study On Consumers’ Protection In The Third-party Payment Online

After the ten—years development, the online third party payment has gradually developed from an emerging market to a mature market, meanwhile, online third party payment enterprises increases gradually, for the sake of healthy development of the payment service market, Our country has introduced many online third-party payment enterprises rules, for instance, the"non-financial payment services management method "enacted in June 2010, "non-financial payment services management method in the implementation of the law enacted in September 2010. All laws made important contributions to protect the legitimate rights and interests of consumers. Although Domestic online third party payment regulation theory and practice of research has been relatively mature, still exists in protecting consumers’ rights and interests is not enough, we should lay more attention to this issue.The online third party payment is independent of the parties to the transaction with the bank, high efficient and high risk characteristics, on the basis of exposed many problems, such as capital safety factor is not high, personal information leakage problems for consumers is very serious,due to the strength of the third-party payment mechanism and great disparity between the consumers and the rights and obligations is unequal.Foreign online third party payment industry started earlier than our country, in view of the consumer rights and interests protection legislation is more perfect. The United States, Australia, the European Union are the most typical countries.US has not regarded online third party payment as a new thing, but as the extension of the traditional monetary operations,the use of existing laws to regulate, only when the specified time not perfect before the introduction of special legislation.The EU is the opposite, after the online third party payment occurs in the near future, has promulgated many special regulation, regulation of the online third party payment companies.However, these countries are on consumer finance security, unauthorized payment, the right to know and the right of privacy protection have made detailed provisions.We should know it clearly that protecting the legitimate rights and interests of consumers is a tough process, facing this event, we can take advantage of the existing laws and regulations, supplemented in some specific system, to again when the time is ripe to be formulated separately the new law.For the consumer privacy, technical personnel must provide technical support for consumer privacy protection,besides,legislation is a safeguard of consumers, illegal disclosure consumer privacy acts to be punished.To protect consumers’ right to know, the laws can regulate the information disclosure system of the online third party payment institutions, facilitate consumers aware of the dynamic of their funds, as well as some policy dynamics of the online third party payment agencies. About the unauthorized payments that attracts the most attention, the process can be divided into three parts, engaged in the prevention, things in control, after the three stages of processing to ensure.First of all, for consumers to pre exist the third part by the payment institution amount limit, secondly, consumers can in agency regulations of the online third party payment single pen (single day) the dollar limits set by themselves outside the single pen (single day) limit, but consumers set their own limits required payment institutions limit lower than third. Finally, in the event of unauthorized payment, consumers have the exemption conditions, responsibility likewise consumers also want to have an amount limitation.