北京航空航天大学学报(社会科学版) ›› 2015, Vol. 28 ›› Issue (6): 57-65.DOI: 10.13766/j.bhsk.1008-2204.2015.0348

• 本期特约专家稿件 • 上一篇    下一篇

移动支付:支付宝服务协议与消费者权益保护

刘越   

  1. 上海政法学院 经济法学院, 上海 201701
  • 收稿日期:2015-06-23 出版日期:2015-11-25 发布日期:2015-12-02
  • 作者简介:刘越(1977-),女,四川成都人,教授,博士,研究方向为信息安全和隐私保护、大数据、移动支付、电子商务等.

Mobile Payment and Consumer Protection:a Case Study of Alipay

Liu Yue   

  1. School of Economic Law, Shanghai Political Science and law, Shanghai 201701, China
  • Received:2015-06-23 Online:2015-11-25 Published:2015-12-02

摘要:

通过对支付宝的服务协议和中国现有的法律框架的评估与分析,以支付宝为例,从与消费者息息相关的安全、隐私、透明度和赔偿责任等方面的具体细节问题,探索了非金融机构在移动支付领域的消费者权益保护中存在的法律问题,并结合相关法律规定探讨了在移动支付服务领域,特别是非金融机构应采取措施更好地保护消费者权益的法律监管.

关键词: 消费者权益保护, 移动支付, 支付宝, 中国, 非金融机构

Abstract:

The expanding use of mobile payments has raised many legal risks for consumers. This paper uses Alipay as an example to analyze various risks consumers are facing in the so-called third-party payment system from four aspects: security, privacy, transparency and complaint handling. The paper also discusses whether the existing legal instruments are relevant and sufficient to address the existing problems with concrete suggestions for these problems.

Key words: consumer protection, mobile payment, alipay, China, non-financial institution

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