Research On The Legal Issues Of Personal Information Protection Under The Third Party Payment Mode

With the rapid development of the third-party payment,online banking,mobile banking and other online businesses continue to transform and develop.The third-party payment platform uses modern technology and relies on information technology to participate in payment services widely.Its fast,diversified and personalized way of participation,to a large extent,meets the payment needs of modern consumers and becomes a modern payment method with great development potential.At present,China has played a role in protecting personal information in the third-party payment at a certain level,but there are not many terms for the protection of personal information using the third-party payment platform,lack of systematic,frequent personal information disclosure phenomenon,which has brought serious threat to the payment security of financial consumers.In addition to the foreword,this paper is divided into four parts.The first part is an overview of personal information protection under the third-party payment mode.This paper introduces the concept of the third-party payment and personal information,analyzes the business characteristics of the third-party payment platform and the legal characteristics of citizens' personal information;the performance characteristics of personal information under the third-party payment mode mainly show that the personal information under the third-party payment mode has certain scope restrictions,and its personal information has both personal interests and property interests.The second part is the current situation and problems of personal information protection law under the third-party payment mode.First of all,it introduces the current situation of personal information protection under the third-party payment mode in China from four aspects of civil law,financial law,administrative law and criminal law;second,it introduces the lack of personal information protection in the third-party payment mode in China,mainly because the legislative system of personal information protection needs to be improved,the specific legal system of personal information protection under the third-party payment mode needs to be improved,and the personal information under the third-party payment mode needs to be improved The legal relief mechanism of protection is insufficient,and the legal concept of financial consumers is lack.The third part is the legislative experience and reference of personal information protection under the third-party payment mode.From the United States,Europe,other countries and organizations to introduce the legislative status of the legal protection of personal information in foreign third-party payment.At the same time,it compares the legal protection of personal information in foreign third-party payment for reference.The fourth part is the legal advice of personal information protection under the third-party payment mode.First,improve the legal system of personal information protection under the third-party payment mode,clarify the legislative principles of personal information protection under the third-party payment mode,make special legislation on personal information protection,and establish a supporting legal liability system for civil,administrative and criminal liabilities;second,improve the specific legal system of personal information protection under the third-party payment mode,and clarify the third-party payment.The legal status of the third-party payment institutions should be strictly punished for the crime of infringing personal information under the third-party payment mode,the personal information protection measures after the bankruptcy of the third-party payment institutions shall be improved,and the third-party payment industry association shall be incorporated into the legal system management;the third is to strengthen the legal relief of personal information protection under the third-party payment mode,and the privacy policy setting and internal management of the third-party payment institutions shall be improved,and to establish the personal information protection system of financial consumers and improve the dispute resolution mechanism of personal information protection under the third-party payment mode.