微支付存在问题的解决

Solution to the Issues on Micropayment

随着网络的普及和电子商务越来越贴近人们的生活,小规模交易的频率越来越高,这些交易的共同特点就是收费金额很小,但消费频繁,因此,实际上大的交易量相加也给这类交易带来了可观的总量。从表面上看,这种新型的支付模式给运营商带来了利润,给消费者带来了便捷,但是隐藏在这背后的,是一些问题的亟待解决和一些法律上的规制与保护。提出微支付的应用机制并制定与之相应的法律规范,使之向着合理有序和法制化的方向发展,以实现金融支付体系的完整。

With the development of the Internet and electronic business, micro transactions with the features of low-charging and high frequency become more and more frequent. Therefore, there is a large trading volume owing to the accumulation of micro transactions. The micropayment brings operators profits and provides conven- ience for consumers. However, many problems are still unresolved, and laws and regulation of micropayment are highly needed. This paper proposes application system and relevant regulation of micropayment, which can make it develop in a proper and legal way, and realize the completion of payment system.