Research On The Risk And Prevention Of Personal Information Leakage Of Third Party Payment Platform

With the rapid development of China's economy and technology,electronic information industry is developing rapidly and e-commerce has become increasingly into our lives.Because network transactions and traditional transactions are quite different,and the parties are not met transactions,third-party payment platform came into being for transaction security.The development of third party payment industry,meet and guide the consumer demand of society,promote the rapid development of the national economy,plays an increasingly important role in the field of electronic commerce.However,with the current Internet third-party payment industry is not compatible with the pace of rapid development of third-party payment on the special legislation has lagged far behind its development.Due to the relatively low level of legislative effectiveness and the relevant legal provisions are not comprehensive,to a certain extent hindered the healthy development of Internet financial third-party payment.This paper focuses on the disclosure of personal information in the third party payment.Through a variety of research methods and the use of actual data,this paper analyzes the present situation and existing problems of the disclosure of personal information in the third party payment in our country,and absorbs advanced rules and regulation experience abroad.Put forward the measures to prevent the leakage of personal information in the field of third party payment in China,hoping to be helpful to promote the healthy development of China's Internet financial third party payment industry.This article consists of the following parts:Chapter 1:Disclosure of Personal Information Disclosure of Third Party Payment Platforms.This chapter mainly introduces the status quo of personal information disclosure in the third party payment field and the necessity of regulating the leakage of personal information in the third party payment field.With some data and examples of third-party payment of personal information disclosure of the status quo,On the one hand is the third party to pay the rapid development and the scale of the transaction continues to expand,On the other hand is the invasion of network viruses and the increase in network vulnerabilities led to the continuous development of personal information leakage status quo.Thus triggering regulatory issues,In terms of the need for regulation,Through the third party payment platform for the particularity and the severity of personal information disclosure to two levels to demonstrate.China's third-party payment platform has some feature:Jumping development,Highly technical,The scale of the data,The speed of the transaction,The irreversibility of the transaction.And third-party payment of personal information disclosure in the field not only to the user to bring personal privacy and personal property rights have been infringed,Return to the entire third-party payment industry to bring credit risk.Chapter 2: An Analysis of the Specific Problems of Personal Information Disclosure on the Third Party Payment Platform.This chapter mainly introduces the three reasons leading to the risk of personal information leakage.And from this platform,the user itself,the third party to start the three major starting points in three sections to the specific discussion.In the platform caused by the disclosure of personal information,Proposed the existence of third-party payment platform in China is unknown,Personal information is unknown,The legal relationship between the third party to pay the transaction is complicated,Third-party payment platform,there are technical risks and operational risks and other issues,And analyzes the current situation of legal rules of China,the United States and the European Union.China's third-party payment platform is located in non-financial institutions,The United States places a third party payment platform at a money transfer service provider,The EU places third-party payment platforms in quasi-financial institutions to enforce more stringent regulation.In the user's own cause of personal information disclosure,Put forward the user's information self-protection awareness is weak.At the legal level,And discusses the obligations of our users to keep their information properly,And the US user "refusal" and the EU user "forgotten".In the case of personal information disclosure caused by a third party,Made a hacker attack rampant,Phishing scams,Trojan software flooding and other technical risks,And third parties associated with third-party payment platform to disclose personal information.At the legal level,Analyzes the regulation of the preferential service and outsourcing service of the third party payment field,And discusses the US privacy certification program and the EU's data protection agencies and data subject of the autonomy and the right to refuse.Chapter3: China 's third-party payment of personal information to prevent the construction of preventive measures system.This chapter introduces three kinds of measures to establish the prevention system of personal information leakage from the national,the platform and the users themselves.National,to change the third party payment platform regulatory concept,the third party payment agencies to set up a special risk control department;Determine the meaning of personal information,the scope of personal information to be clear.The establishment of China's network privacy certification program and the construction of third-party payment platform after the bankruptcy of personal information protection regulations,the use of legislative protection and self-protection model.Platform itself,to the technical level to establish the appropriate risk control measures to prevent third-party payment platform for internal disclosure and disclosure from third parties.Finally,from the consumer side,consumers want to improve their awareness of personal information protection to prevent third-party payment platform and external third-party infringement of personal information.