Case Study On The Protection Of Consumers' Rights And Interests In Internet Third-party Payment

Since the advent of the information age,Internet third-party payment has penetrated into every ordinary person's daily life because of its convenience,universality and high efficiency.The rapid development of the Internet has brought about a whole new way of life.Money is the greatest invention of mankind.However,in this era,the carrier of money has changed from paper money to digital money.The emergence of digital money makes transactions more convenient.The carrier of digital currency payment is the third-party payment platform.The third-party payment platform also conforms to the situation and develops rapidly.Although people's legal awareness has increased in recent years,they usually seek litigation help after the fact.On the one hand,individuals are not professional in litigation,nor can they find the crux of the law,and the new litigation under this new product is often groundless.The general principle and most important principle of Internet technology regulation is the protection of consumers.When the rights and interests of consumers cannot be protected,it is not conducive to the stable and safe development of China's Internet finance,and correspondingly,the market economy cannot develop healthily.This paper selects two cases of unjust profit dispute,in which the main body of the lawsuit includes the same third-party payment platform,and then USES the case analysis method to discuss some problems existing in the disputes caused by third-party payment.These new problems make the courts often have no evidence to rely on,leading to no way for consumers to protect their rights.The current situation is caused by the complexity and professionalism of third-party payment,as well as the unsound and imperfect civil procedure law in resolving disputes involving the Internet.Many civil lawsuits generated by third-party payment still cannot protect the rights and interests of consumers after complicated and lengthy trials.This paper analyzes the "Zhu Mou pay a v.XXX co.,LTD.,unjust enrichment dispute"(hereinafter will be referred to as "Zhu Mou some third-party payment dispute"),the main legal issues,respectively is the subject status of the third-party payment platform,financial consumers with the problem of the legal relationship between third-party payment platform,both the burdenof proof allocation problem,third-party payment platform and its regulation in liability problem,it can reflect the financial side of consumer law issues of legal protection,and introduces the current research status about these problems in the theoretical circle.Based on the legal issues reflected in the cases,this paper analyzes and interprets the legal issues by proposing,analyzing and solving the problems.On this premise,it puts forward relevant Suggestions and countermeasures for the legal protection of the rights and interests of financial consumers.