论文部分内容阅读
第三方支付消费者安全权主要是财产安全权,保护第三方支付消费者安全权,可以保护消费者资金安全,还可以为第三方支付行业发展提供法律保障。本文主要对实践中出现的以下问题进行分析:第三方支付机构强制划拨、非法冻结消费者账户资金,导致消费者财产安全权受到侵犯;第三方支付平台账户密码信息丢失导致资金损失的责任承担。针对以上问题,第三方支付机构应当明确权利边界、强化责任承担,同时规范使用沉淀资金利息,建立纠纷保险金制度,保障消费者安全权,促进第三方支付行业持续良性发展。
Third-party payment of consumer safety rights is mainly the right to property security, to protect third-party consumer rights to pay consumers can protect the safety of consumer funds, but also for the development of third-party payment industry to provide legal protection. This paper analyzes the following problems in practice: forced payment by third-party payment agencies, illegal freezing of funds of consumer accounts, infringement of the safety rights of consumers’ property, loss of accountability caused by loss of password information of third-party payment platform accounts. In view of the above problems, the third-party payment agencies should clarify the boundaries of their rights and strengthen their accountability. At the same time, they should standardize the use of deposit interest, establish a dispute premium system, safeguard consumers’ rights to safety, and promote the sustained and healthy development of third-party payment industry.