人脸识别支付视角下消费者信息保护研究

Research on Consumer Information Protection from the Perspective of Face Recognition Payment

人脸识别支付是人工智能、数字技术在移动支付领域的集中展示。人脸识别支付一方面具有便利性、新颖性、智能性等显著优势,另一方面,技术漏洞、隐私安全、操作失误等风险亦不容小觑。效率价值与安全价值的平衡与角逐是人脸识别支付不可回避的基本问题。同意知情原则的失灵、比例原则的含糊失真、重叠立法的冲突失调和经营管理的严重失信是效率与安全在消费者信息安全保护领域斗争激烈的主要原因。可从严格适用同意知情原则、提高比例原则适用门槛和优化调整经营策略等多方面加以纾解。

Face recognition payment is a concentrated display of artificial intelligence and digital technology in the field of mobile payment.On the one hand,face recognition payment has significant advantages such as convenience,novelty,and intelligence.On the other hand,it has risks such as technical vulnerabilities,privacy and security,and operational errors that should not be underestimated.The balance and competition between efficiency value and security value is an unavoidable basic problem in face recognition payment.The failure of the principle of consent and knowledge,the ambiguity and distortion of the principle of proportionality,the conflict and imbalance of overlapping legislation and the serious untrustworthiness of operation and management are the main reasons for the fierce struggle between efficiency and security in the field of consumer information security protection.It can be alleviated from many aspects,such as strictly applying the principle of consent and knowledge,raising the threshold for the application of the principle of proportionality and optimizing and adjusting business strategies.