Research On The Risk Of QR Code Payment And Its Legal Response

With the emerging development of the third-party payment market,the legal risk of QR code payment has been regarded as a hot issue.Because the United States,the European Union on legal regulation of QR code payment has priority in our country has carried out related research work,it can be observed that China's legislation on QR code payment started relatively late,the relevant legal regulation is also relatively backward.Therefore,combining with the actual situation of China,it is feasible to refer to the excellent experience of foreign countries.At present,our country has carried out some legal protection work on the QR code payment,but part of the existing legislative contents that is broad and vague.There are still many different risks in the process of QR code payment.Therefore,it is necessary to use the methods of literature research and comparative analysis to analyze how to solve a series of practical problems of QR code payment.There are five parts in this paper.The first part is the introduction,which first clarifies the background and significance of this study,and analyzes the current research status at home and abroad.and then introduces the research content,research methods and basic research ideas,and finally summarizes the innovation of this paper.The second part describes the theoretical basis of "QR code payment",introduces its basic concept,clear its legal characteristics or attributes,understand its operation mode and principle,and analyze the legal relationship between the legal subjects contained in QR code payment.The third part focuses on the risks existing in the process of QR code payment from different angles.The risks mainly include the risks from the source of QR code itself,the challenges of QR code payment to the legitimate rights and interests of consumers,and the risks of legal supervision.In the fourth part,based on the legal norms of the third-party payment in the European Union,the United States and South Korea,the paper compares the deficiencies of China's legal regulation,and analyzes its experience for reference.In the fifth part,in view of the above risks,we break through the dilemma of QR code payment and put forward the improvement strategies and relevant suggestions.It includes ensuring the source security of QR code,strengthening the protection of consumers' legitimate rights and interests,and strengthening the legal supervision system.