Research On Civil Legal Problems Of The Third Party Electronic Payment Platform

China's third party electronic payment industry has developed rapidly resent years.Compared with traditional transactions,online shopping being virtual,buyers and sellers have concerns about the security of the transaction,however the emergence of electronic payment platform can solve this problem.Payment platform as an independent third party payment intermediary,set up a bridge between the buyers and sellers,which is conducive to resolving the security issues in the payment process and is very important for the healthy development of online shopping.Compared with the British and United States,China's electronic payment industry did not start early,and the relevant legal system is not mature and have some legal problems in the development process.According to the idea of “finding the problem—presenting the problem—solving the problem”.This paper is divided into three parts.The first part introduces the concept of the third party payment platform,the characteristics and functions,and a detailed analysis of the civil legal relationship between the relevant subjects of payment;the second part introduces the current domestic legislation on the third party payment platform,and points out the legal problems existing in legislation and practice,mainly including unclear customer deposit and fruits ownership,the electronic payment subject of civil liability and classification of consumer rights and imperfect interests protection mechanism and supervision system;the third part puts forward the relevant legal advice to solve the problems in the second part.A customer deposit system is recommended and ownership and use of customer deposit yields should be explicit,specifically related to the subject of civil liability especially liability of the third party payment platform,and strengthen the protection of personal information of consumers and improve the payment platform supervision.