Research On The Protection Of Consumers’ Rights And Interests In Third-party Online Payment In China

The network third party pays is one kind of emerging network payment way which produces in the Internet electronic commerce.In the face of the growing demand of consumers for shopping on the Internet,online third-party payment,which is attached to shopping or services,develops rapidly and gradually replaces traditional payment with its characteristics of rapidity and convenience,thus gaining wide recognition from consumers.Online third-party payment does not emphasize the credit of both parties for the transaction subjects using the Internet.However,when disputes arise between the two parties,the weak position of consumers in the transaction process is still unchanged,which makes the legal relationship enter into a deep relationship field.While for third-party payment network in our country from the perspective of third-party payment on network supervision,the study of consumers’ rights and interests protection is relatively small,this article through to the analysis of existing problems in the protection of consumer rights and interests,contrast,thus the consumers’ rights and interests protection extends to the third-party payment of legal system and implementation level.The first chapter is mainly the introduction,which analyzes the current situation of the third-party payment industry,the background of the topic,and the research status of the third-party payment at home and abroad,so as to provide a theoretical basis for the following specific analysis process.The second chapter first is about the basic concept of the third party payment,through to our country current third-party payment of qualitative as well as overseas for qualitative analysis conclude that the third party pay the agency qualitative,secondly,enumerates the independent third-party payment,safe,convenient,the main characteristic of credit,and some of the basic legal relation in the third-party payment,finally,illustrates the necessity of this study.The third chapter is mainly about the main problems of third-party payment,mainly from the consumer personal information security,consumer information disclosure,financial security and consumer dispute resolution issues.In chapter 4,the United States and the European Union are selected as samples for research,because they are relatively advanced in the development of third-party payment and have relatively good development in the industry of third-party payment.This article mainly in the analysis their experience foundation obtains our country’s beneficial experience.The fifth chapter mainly aims at the problems proposed in the third chapter,combining the experience of Europe and the United States and China’s actual situation,summarizes the solution suitable for China’s national conditions.