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移动支付法律问题探析(Analysis of legal issues of mobile payment)
移动支付法律问题探析(Analysis of legal issues of mobile payment)
Mobile payment legal issues: 2009-12-25 article source: Internet papers Keywords: mobile payment; electronic payment; legal regulation
The combination of Internet, mobile communication and computer technology has brought about a new revolution in the mode of payment, that is, the emergence of mobile payment. Mobile payment due to its many advantages at anytime and anywhere convenient and fast to peoples lives brought great convenience, also brings new legal issues, such as mobile payment partys legal status, the legal liability issues.
With the progress and development of technology, a new revolution has occurred in the way of payment - the emergence of mobile payment. Mobile payment has many characteristics, such as anytime, anywhere, convenience and fast. As long as consumers have a mobile phone, they can complete the financing or transaction, and enjoy the convenience of mobile payment. In order to promote the healthy development of mobile payment, a series of legal issues must be clarified.
First, the concept of mobile payment and its business process
Mobile payment, refers to the computer network system for consumer use of mobile electronic devices to provide the bank agreed by the mobile operators payment instructions, by the bank through a consumer payment of money paid to the computer network business. Mobile payment is supported by bank card accounts, and mobile phones and computer networks are used as trading tools. Mobile payments can be broadly divided into two basic models, namely, virtual payments and Sales of (POS) (Point). POS terminal virtual payment that consumers can use the mobile phone in any place for specific products and services for remote payment POS payment site occurred in the business, mobile phone consumers to replace the bank card payment site. Virtual payments have short term growth potential, while POS site payments represent a mature stage for mobile payments. At present, most o
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