Research On Personal Information Protection In The Field Of Electronic Payment

With the innovation of high-tech information technology and the advent of the Internet era,e-commerce has also developed.From the beginning,electronic payment,as a medium for online transactions,broke the time and space constraints,provided convenient support for both parties to the transaction,and gradually developed into a payment tool with a high penetration rate in the daily life of the general public.However,the number of cases and acts of consumer personal information being violated in electronic payment is increasing.However,China's laws and regulations on the protection of consumer personal information rights in electronic payment are not perfect,and there are problems in the protection of practice.The right to information faces threats from decision-making influence,behavior control,and market monopoly.The protection of consumer personal information and the improvement of laws urgently need attention.Therefore,it is of great significance to improve the legal regulation of consumer personal information in the field of electronic payment,the orderly development of the e-commerce market,and the electronic payment system to provide legal protection.Therefore,this article focuses on some practical issues existing in the legal regulation of personal information protection in the field of electronic payment.From the perspective of specific cases in reality,it is divided into the following aspects:The first part mainly enumerates two classic cases in legal practice.The comprehensive case analysis summarizes a series of problems in the protection of personal information in the field of electronic payment in China.It mainly involves: China has not yet specifically defined the concept of personal information rights,nor has it Personal information protection law;in specific areas of supervision,the main body of electronic payment personal information protection is not clear,and related regulatory measures are not in place;the judicial accountability mechanism for electronic payment of personal information is not perfect.The second part conducts systematic research on many infringement issues in personal information in the field of electronic payment,and clearly defines the right of personal information as a prerequisite.First,the law clearly defines personal information and personal information rights,and clarifies the law of all personal information.Property and rights categories.According to the characteristics of electronic payment of personal information,discuss the main types of personal information infringement..The third part is to improve the administrative supervision and industry self-discipline is the key,clarify the responsibilities of administrative agencies and electronic payment industry and other personal information supervision subjects,and establish a supervision system with administrative supervision as the core and industry self-discipline as the focus.Give full play to the role of the main body of administrative supervision,clarify the content and specific procedures of administrative supervision;strengthen the self-discipline management and control mechanism of the electronic payment industry,use supervision and self-discipline as means to standardize standard behaviors and prevent infringements.The fourth part is to improve the judicial protection system of personal information to ensure that when personal information infringement in electronic payment occurs,measures to protect consumers 'legitimate rights and interests by improving legal liability system and remedy principles,simplifying litigation procedures and optimizing judicial evidence,etc.Hold the judicial bottom line for personal information protection.