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