Research On Legal Issues Of Personal Information Protection Of Mobile Phone Financial APP Users

Mobile finance APP is an emerging product of the combination of smart mobile terminals and Internet finance.Due to the unique convenience of the mobile financial APP,its business scope has been continuously expanded in a short period of time,bringing great convenience to life.At the same time,the personal rights and property rights of users are frequently infringed,and the source of these phenomena is that the mobile phone financial APP that illegally collects and uses the personal information of mobile phone users.First of all,sthis article first summarizes the researches on personal information protection in mobile finance apps at home and abroad.Through literature review,it is found that there are more researches on personal information protection at home and abroad,but there are few researches on personal information protection in specific mobile finance apps.So select financial APP as a research subject is the main innovation of this paper.In terms of theoretical basis,this article starts with the concepts and related characteristics of mobile financial APP and personal information,and further elaborates the relationship between the two.Secondly,from the micro-level of the user's actual perspective,this article analyzes the facts of illegally operating users' personal information in the registration,use,and cancellation stages of the mobile financial APP,and uses data to support it.Finally,with reference to foreign laws and the actual situation of my country,the following suggestions are put forward from three aspects for the protection of personal information in our country's mobile financial APP.First,first of all should formulate a unified Personal Information Protection Act.After this,the principle of personal information collection should be implemented immediately,and then it should be introduced to the scenario application to achieve the principle of purpose restriction.Secondly,in terms of regulatory mechanisms,a market access standard should be established to screen financial apps while clarifying the regulatory entities,and further strengthen prior supervision.Third,in terms of power relief,it is necessary to distinguish the financial APP infringement subjects and determine the information controller,balance the distribution of the burden of proof for infringement,and the financial APP that violates the obligation of personal information protection apply the principle of presumption of fault.Through perfecting the above system and regulatory measures can protect the APP users' personal information,and effectively ensure the user's right relief.