Mobile Payment And Its Legal Supervision Research

In the rapid financially development of information age,market economy was shrouded in policy and technical innovation,with the e-finance,some new method for online payment of no-paper,include load of burgeoning online financial products,therefore achieve the mode of third-party payment and mobile payments.Faced with the new market situation,these are worth discussing projects by the government and stakeholders how to achieve e-finance safety supervision with timely and available,improving the legal system of the mobile payments,remove hidden technology of payment trouble.Mobile Pay is a service that provide commercial via cell phone under mobile network.It has the advantage of universal Convenient and personal.China are at a stage where we preliminary develop the mobile payment.With the advanced intelligent popularization of mobile terminals and mobile network technology development,the popularization of mobile phone users,e-finance has been extended to the mobile terminal,the industry of mobile payment more show the development trend of the blowout.There are some risk include policy,credit of paying,personal information leakage,virtual account fraud and payment authorization error.The government rules the payment through setting up institutions,making legislations and policies;Commercial Banks,non-financial payment institutions,telecommunication operators,handset manufacturers,on the insurance of the safety of their own credit and user information basis.Thus it can be seen that,establish and improve payment safety legislation,this is of concern and merits further investigation that strengthen control and supervision of risks.In addition to the abstract,the introduction and the contents of the note,the full text is divided into five parts.The first part is the system of mobile payment system,describes the mobile payment of business content and industry nature,so that readers of mobile payment has a clearer understanding.The second part is the development of the mobile payment industry and the current legal regulation of narrative,in the landmark events and legal provisions of the process of combing the mobile payment business in the innovative content and laws in the regulation of the industry in the operation of some difficulties.The third part explores the various risks of mobile payment in business operation and industry development,finds the problem,and then seeks the solution.The fourth part draws lessons from the experience of foreign countries,learn from the United States,the European Union,Japan,South Korea and Kenya and other countries of the advanced business model and legislative results to promote China's mobile payment industry's new development.The fifth part is the security problem of mobile payment industry,combined with the specific situation of China's market economy,put forward the reasonable suggestions of prevention and control risk,legislative regulation and strengthening supervision.As the mobile payment business in the technical and professional threshold compared to the net loan is slightly higher,so the accident is not much in the actual operation and management,but the mobile payment business risk prevention and legal supervision is still lagging behind the progress of science and technology Speed and market development.This paper chooses the mobile payment legal problem as the topic,aims at the mobile payment business content,the business model and the legal relationship between the main body of the study,in-depth mining mobile payment industry prospects,to explore the mobile payment regulatory norms of the legislative space,and domestic Experts and scholars on the mobile payment of research results and successful experience of foreign legislation for the writing of this article laid the theoretical basis.In the paper,we will build a more comprehensive introduction to the whole mobile payment industry,and put forward some suggestions on the legislation and supervision in order to provide some ideas for the future researchers to promote the operation of the mobile payment industry,the healthy development of the laws and regulations and financial ecology.