移动支付的法律问题及其解决办法  

Legal Problems of Mobile Payment and Their Solutions

作　　者：莫万友[1] 

机构地区：[1]电子科技大学中山学院

出　　处：《兰州学刊》2017年第10期142-151,共10页

基　　金：广东省哲学社会科学"十三五"规划2016年度学科共建项目"移动支付的法律问题研究"(项目编号GD16XFX12);教育部人文社会科学研究项目"移动支付法律问题实证研究"(项目编号:17YJC820038)

摘　　要：随着科学技术的发展,移动支付先后经历了SMS移动支付、WAP移动支付、NFC移动支付三种形式。移动支付具有移动性、便捷性和及时性的特点因而受到广大移动用户的青睐,并呈爆发式增长。移动支付在给客户带来支付便利的同时产生了一些新的法律问题,如信息安全和隐私保护、未授权的支付、错误或迟延的支付、争端解决等,这些法律问题困扰着广大客户。为了给移动支付保驾护航,明确客户最低限度的保护水平,让客户放心地使用移动支付,同时明确企业建立最低性能标准,让企业提供更为优质的移动支付服务,应积极应对移动支付中产生的法律问题。With the development of science and technology, mobile payment has experienced through SMS mobile payments, WAP mobile payments, NFC mobile payments. Mobile payment which has the characteristics of mobility, convenience and timeliness, is being used by the majority of Internet users, and is being growing explosively. While Mobile payment brings customers the convenience of pay, it brings some new legal issues which trouble the majority of customers, such as information security and privacy protection, unauthorized payment, error or delay in payment and dispute settlement. In order to pay the es- cort to the mobile, to make clear the minimum level of customers protection in the use of mobile payment, to make clear that the enterprise establishes minimum performance standards in the providing mobile pay- ment services, legal problems of mobile payment should actively be resolved.

关 键 词：移动支付 信息安全 未授权支付 错误支付 争端解决 

分 类 号：D923.6[政治法律—民商法学]