A Study On Personal Information Protection Of Financial Consumers In The Third Party Payment Business

In recent years,with the continuous development of electronic communication technology,the Internet has spread rapidly around the world.The popularity of the Internet has promoted the development of e-commerce.Electronic payment as a key part of e-commerce is constantly updated.The third party payment is coming.Third party payment as an emerging Internet financial model,Compared with traditional offline payment and traditional electronic payment,it is more convenient,more flexible,more business and so on.It can guarantee the security of both sides in e-commerce transactions.It is very popular with financial consumers,showing a trend of vigorous development.However,the third party payment has the characteristics of high communication,fluidity,and risk of Internet and finance,it is easy to lead to the problems of illegal collection,use,dissemination and disclosure of personal information of financial consumers during the use of third party payment.In the information age,personal information does not only have the role of protecting the dignity of the personality,the value of property is also becoming more and more prominent.The frequent occurrence of personal information infringement is not only damaging to the personal dignity of financial consumers,the loss of property,It also hinders the development of the third party payment industry,even has a negative impact on the entire Internet financial industry.In view of this,it is necessary to study the situation of personal information protection in the third party payment in China,put forward suggestions and improve the ability of personal information protection.In addition to the introduction,this article is divided into four parts.First,it defines the basic theory of personal information of financial consumers in the third party payment,on the basis of this,analysis the particularity and necessity of personal information protection for financial consumers in the third party payment in China,Then,it analyzes the current situation of the financial consumer's personal information being infringed in the third party payment and the difficulties faced by legislation,regulation,relief and consciousness.Finally,aiming at these difficulties,it puts forward a feasible way to protect it.The first part is the basic theory,which defines the basic concepts involved in the paper.First,the concept and characteristics of the third party payment are defined,analysis of the current development of the third party payment in China through the survey data,then itanalyzes the legal nature of the new third party payment and the operation mode of the third party payment platform,in order to clear that the consumers in the third party payment belong to the financial consumers discussed in this article.Finally,the definition of the concept,characteristics and the differences with the related concepts of personal information is defined,to make it clear that we are using the concept of personal information.The second part analyzes the necessity of the particularity of financial consumer personal information in third-party payment in our country.From the perspectives of the scope,use,and acquisition of personal information in third-party payment,the special features of personal information in third-party payment and other personal information in the Internet finance field are analyzed to highlight its unique research value and to the field.The need for personal information protection.The third part analyzes the status of personal information protection of financial consumers in China's third party payment and the difficulties faced by them.This part is the key part of the article.First of all,in the case of Alipay from the personal information collection,preservation,utilization analysis of the current situation of personal information infringement.Then,we analyze the current difficulties from three aspects,including the lack of legislation,the decentralization of legislation,the abstraction of legislation and the lack of legislative responsibility,the plight of the people's Bank of China and the self-regulation level of the industry,the plight of the judicial relief in civil,administrative and criminal responsibility relief.The fourth part is aimed at the dilemma of the third party put forword protection countermeasures.It's the core of this article.From the legislative guarantee level,the industry supervision level,the judicial relief level to explore the protection path,and put forward solutions.