Research On The Law Issues Of The Third Party Mobile Payment Cusr's Funds Security

Since the beginning of the third party mobile payment,the problem of capital security has been paid much attention.In order to solve this problem,this paper takes the third party mobile payment customer's capital security as the guidance,and deeply studies the reasons for the infringement of capital security,in order to solve the infringement of customer's capital security fundamentally.This paper holds that customer capital security is inevitable in the third party mobile payment,but this does not mean that customers will inevitably become the ultimate bearer of capital losses.The reason why customers will become the ultimate bearer of capital losses is that there is no strong relief rules after the occurrence of capital security problems.If the relief rules are perfect enough,even if customer capital security is infringed,customers can follow.Compensation is made for the continuation of the relief.Therefore,the main purpose of this paper is to analyze the manifestations and causes of the infringement on the safety of customers'funds,and put forward corresponding countermeasures:to improve the dispute settlement rules of unauthorized payment,to clarify the situation of the responsibility of the client's exemption payment institution,to invert the burden of proof,to assume the responsibility of proving their own innocence by the payment institution,to establish the consumer notification obligation and the liability limit system,so as to reduce the loss of customers.It is suggested that the full deposit and fruits of the customer's reserve fund be used to purchase insurance,to ensure the safety of funds,and to improve the exit mechanism of payment institutions.It is suggested that the examination system of standard contracts be improved so as to avoid the use of standard contracts by payment institutions to infringe on the rights and interests of customers,and to improve the dispute resolution mechanism so as to facilitate the protection of consumers' rights.