Research On The Legal System Of The Protection Of Consumers' Rights And Interests In The Third Party Payment

The third party payment in the network refers to the traditional payment mode,which is composed of the payment system established by the third party,and the electronic payment mode which is responsible for the custody and settlement of funds by the third party.In recent years,with the rapid development of electronic commerce in China,a new mode of payment for services in e-commerce,the third party payment of Internet because of its convenience,rapidness and high security advantages and much favored by the majority of users,the third party payment in our country is increasing year by year the number and size of the organization,a series of supporting laws and regulations in succession.If the central bank on June 2010 issued a "non financial institution payment service management approach",in September 2010 promulgated the "non-financial institution payment service management implementation details",December 2015 implementation of the "non bank payment institutions online payment service management approach",in January 2017 issued the "people's Bank of Chinese office on the implementation of the payment institution customers to deposit centralized depository related matters notice",these Regulations are effective in promoting the healthy development of China's payment service industry,also in the field of protection of the legitimate interests of consumers play an important role in the.But overall,our country at the present stage of the third party payment of Internet legal system is not perfect,the legal level is not high,scattered,many provisions in principle,execution is not strong,for the protection of consumers' rights and interests of the third party payment network attention is insufficient,cause infringement of consumer rights and interests occurred frequently.Seriously affected the stable development of electronic commerce in china.Specifically,the current outstanding problems in the third party payment of Internet in the field of consumer protection is mainly manifested in four aspects: the protection of consumers' personal information is valid,the customer account funds are safe,the third party payment of Internet in full and timely information disclosure,the third party payment of Internet dispute settlement mechanism.In order to solve the problem as soon as possible,China should make full use of the United States and the European Union in the field of advanced legislation system and practice experience,in order to protect the legitimate rights and interests of consumers for the purpose,mainly from the consumer's personal information protection,consumer protection,network security funds in the account of third party payment institutions of information disclosure,the third party payment of Internet disputes four aspects of perfecting the third party payment of Internet consumer rights in the legal system.