移动支付服务合同的法律规制浅析

Analysis on Legal Regulation of Mobile Payment Service Contract

【目的/意义】近年来,移动支付因便捷高效的优势成为最受欢迎的支付方式。该活动中,消费者使用移动设备与移动支付服务提供商达成合意从而接受其提供的服务,其中涉及合同关系,而不良的合同关系可能导致消费者权益受到侵害。由于调整对象和方法的限制,私法的规制并不足以做出有效应对。【设计/方法】基于对移动支付服务合同特征与类型的界定,分析可知非规范性移动支付服务合同的签订会增加用户的数据风险及冲击用户的财产安全。【结论/发现】为了更好地防控风险、保护消费者信赖利益、节约司法成本、体现这类合同的特殊使命,应当将移动支付服务合同纳入核心监管对象,充分完善备案体系,培养消费者风险防范意识,统一数据标准,对此类合同的订立与内容进行适度规制。

[Purpose/Significance]In recent years,mobile payment has become the most popular payment method due to its convenience and efficiency.In this activity,consumers use mobile devices to reach agreement with mobile payment service providers to accept the services they provide,which involves contractual relationships,and bad contractual relationships may lead to consumer rights violations.Due to the limitation of adjustment objects and methods,the regulation of private law is not enough to make an effective response.[Design/Methodology]Based on the definition of the characteristics and types of mobile payment service contracts,the analysis shows that the signing of non-standard mobile payment service contracts will increase the user’s data risk and impact the user’s property security.[Findings/Conclusions]In order to control risk,protect the interests of the consumers’trust,save the judicial cost,reflect the special mission of such contracts,mobile payment service contract shall be included in the core object of regulation,Legislators and regulators should fully improve the registration system,cultivate the consumer risk awareness,unify data standards,regulate the conclusion and content of such contracts moderately.