Research On Personal Information Protection System In Mobile Payment

With the popularization of the Internet,the rapid development of mobile terminals and the arrival of the era of big data,mobile payment as a derivative emerges at the right moment.As consumers,people are not limited to cash consumption and bank card consumption when they go out,they just need to collect money to make consumption.As merchants,people are not limited to cash and POS machines,they just need a qr code to receive money.Mobile payment is gradually replacing the traditional payment method and will become an important payment method in the future.This kind of payment method can not only improve our lives,but also be very important to the development of the financial field.As the saying goes: benefits and risks coexist,everything has two sides,mobile payment brings us convenience,but also brings us a certain risk,the risk brought by mobile payment is often reflected in the mobile payment collection and use of users' personal information.At present,mobile payment is in a state of constant development,and relevant laws and regulations have not kept up with its development pace,and the current laws do not have a unified legislation to protect the personal information security of users,so it is particularly important to study the personal information protection system in mobile payment to safeguard the legitimate rights and interests of users.This paper takes the protection system of personal information in mobile payment as the starting point,and through the introduction and analysis of four parts,finds out the problems in the protection system of personal information and puts forward Suggestions for improving the relevant protection system.The first part is the introduction,mainly introduces the research purpose and significance of this chapter,followed by the study of the current situation at home and abroad.The second part is the basic concepts and theories of mobile payment,mainly from the definition and classification of mobile payment,thedefinition and classification of personal information,followed by domestic and foreign research on the status of personal information protection system in mobile payment and the problems in the collection and use of mobile payment.The third part is the comparison of personal information protection systems of mobile payment between China and foreign countries.It analyzes the collection principles,usage norms,supervision mechanism,accountability mechanism,security assessment and rights relief,and finds the deficiencies of the existing protection systems in China.The fourth part is the relevant case analysis,the use of the existing legal analysis case,the advantages of the law and the existing shortcomings.Through the analysis of the above four parts,it is concluded that the personal information protection problems in mobile payment,the problem lies in the protection system of laws and regulations,regulatory agencies and pay the agency and user their own problems,according to the problems found then put forward the corresponding suggestion,in order to protect consumers' personal information contribute little of their own power.