Research On Legal Risk Prevention Of QR Code Payment

As a new payment method,QR code payment is widely used in people's daily life.In the payment process,there are many participants and complex legal relationships.There may be legal risks such as information leakage,illegal cash out,and illegal money laundering,which pose a threat to the user's funds and information security,seriously affect the market order of transactions,and jeopardize financial security.In order to prevent the risk of QR code payment,the People's Bank of China issued "Management Measures for Payment Services of Non-financial Institutions","Management Measures for Network Payment Services of Non-Bank Payment Institutions",and "Barcode Payment Business Specification(Trial)" to regulate the Code payment business to promote the innovative development of payment services.However,these normative documents have a low legal level and conflicting contents,which cannot effectively prevent the risks in QR code payment.This article takes the legal risk of QR code payment as the research object.First,it combines the connotation of QR code payment to analyze the legal relationship between QR code payment entities.Secondly,by defining the legal risk of QR code payment,the legal relationship between QR code payment subjects is used as an entry point,divided into the legal risk between the payer and the payee,the payer,the payee and the first There are three types of legal risks between the third-party payment institutions and the legal risks between the third-party payment institutions and the banks,and the performance and causes of legal risks between different entities are analyzed.Then,comb the current situation of the prevention of legal risks of QR code payment in China,and point out the conflicting laws and regulations in the legislation,the unclear attribution of transaction information rights,the lack of rules of proof,the unclear supervision subject and the single supervision method in the supervision In the operation of the company's internal control mechanism,the rights and obligations of the network-linked platform are unclear,and third-party payment institutions lack risk control management.Finally,scientifically prevent the legal risks of QR code payment,put forward suggestions to improve the relevant legal provisions of QR code payment,implement effective supervision to ensure the security of QR code payment,strengthen the company's internal control mechanism and improve risk prevention capabilities.