Research On Legal Problems Of The Consumer Protection Of Third-Party Online Payments

At present,the development of network transaction is very fast,which brings a broad market prospect to third-party payment and has been pursued by the majority of consumers.At the same time,it also raises a series of problems that can not be ignored,the most representative is the protection of consumer rights and interests.In traditional transactions,consumers are in a weak position,while third-party payment is inherently virtual and professional,which weakens its ability to prevent risks.However,third-party payment industry to develop healthily,must implement consumer rights and interests protection.At present,the regulations on the protection of consumers' rights and interests in network third-party transactions in China are scattered and incomplete,and obviously lag behind.This paper mainly focuses on the protection of consumers' rights and interests in the third-party payment: on the basis of clear research status and significance and the necessity of protection,the related basic concepts are analyzed.In the part of problem analysis,we first sort out the current situation of protection in our country,and then point out that the existing problems include consumer's right to personal information,the security of funds and the protection of the right to know.On this basis,we analyze the above problems one by one,look for the defects of the legal system that cause these problems,and sort out the way to solve these problems and grasp the direction.The last part of the writing framework is to establish the aforementioned three major issues and three major institutional difficulties,mainly along three ideas: first,in the substantive legislation,this paper proposes to improve the specific protection of consumer rights and interests of the legal regulation;Secondly,we should clearly divide the burden of proof,determine the two aspects of the jurisdiction of the court to protect consumers' rights in order to give clear procedural protection;Finally,we should perfect the supervision system from three aspects:perfecting the legal system of supervision,strengthening the market restriction and platform self-construction,and strengthening the self-discipline of the industry.