The Network Third Party Pays For Consumer Rights Protection

Now shopping online has been used by more and more people.In order to protect trade safety,most consumers would choose the third party payment.Through this way,consumers simply click on the pay button and put the money into the business of the account.Although it is convenient,there are still many problems,such as location problem,the fuzziness of the legal relationship between consumers,only in several laws and regulations about the protection of consumers' rights and interests,which lead to that consumer are unable to maintain their own rights and interests when their rights are damaged.Although many specialists have researched this problem of the third party payment,both in depth and breadth are not enough.On the whole,the law is on the low level.When consumers encounter such problems,they do not know how to solve them.Even some consumers would appeal to court,they will lost because of no legal basis,which was a waste of time and money,at the same time their rights and didn't get effective guarantee.According to the above problem,this paper,from the perspective of domestic actual situation,made detailed research on determining the nature and classification comparison of our country third party payment after a full investigation.Aiming at the third-party payment precipitation funds and consumer right of privacy,right to know,this paper analyzed how to solve the problem above when consumers have disputes,and solving the location problem of the third party payment and the legal relationships between consumers.Last,taking United States and the European Union as examples,it studied the overseas beneficial experience,combined with the experience of the advanced countries and sums up the suggestion of protecting rights and interests of third-party payment consumer which is suitable for the national condition of China.In this paper,the research content mainly includes five chapters:The first chapter is mainly the introduction,including the current situation of third-party payment industry,the background of selecting this topic,analysis of third-party payment research status at home and abroad,which provides a theoretical basis for the following specific analysis.The second chapter introduced the basic concept of the third party payment first,and then determined the nature of third-party payment through current qualitative of third-party payment of China as well as overseas.Secondly,it enumerated the main characteristic of third-party payment,such as independence,safety,convenience,credit and some of the basic legal relation in thethird-party payment.Finally,it illustrated the necessity of this study.The third chapter is mainly about the main problems of the third party payment from the safety of consumer personal information,disclosure of consumer information,capital safety and consumer disputes solution to problems.The fourth chapter selected the United States and the European Union as the samples,because on the third-party payment they have better development.In this paper,the analysis which is useful for our country was made on the basis of their experience.According to the problems put forward in the third chapter,the fifth chapter summed up the solution suitable for China's national conditions,which combined with the experience at home and broad.This article adopts the research method of combining a variety of ways,summing up useful experience at home and abroad and putting forward a complete logical solution countermeasures based on the basis of the actual situation in our country...