非法第四方支付犯罪案件及侦防对策

Illegal Fourth-party Payment Criminal Cases and Detection and Prevention Countermeasures

第四方支付又称作聚合支付,是一种高效便捷的在线支付方式。非法第四方支付平台未取得国家支付许可,其业务可能涉及帮助信息网络犯罪活动罪、洗钱罪、诈骗罪、非法经营罪、侵犯公民个人信息犯罪等。近年来,非法第四方支付犯罪层出不穷,严重危害国家金融秩序和人民财产安全。基于非法第四方支付平台涉及的犯罪类型,系统分析非法第四方支付犯罪案件的侦查难点,从区块链技术、警务协作、证据收集等方面提出侦查对策,从金融监管、法制宣传教育和公民个人信息保护等方面给出防范对策。

The fourth-party payment,also known as aggregate payment,is an efficient and convenient online payment method.But if the illegal fourth-party payment platform has not obtained the national payment license,its business can involve a variety of crimes,such as crimes of assisting information network-related criminal activities,money laundering,fraud,illegal business operation,infringement of citizens’personal information.In recent years,illegal fourth-party payment crimes have proliferated,seriously jeopardizing the national financial order and the people’s property security.Based on the types of crimes involved in the illegal fourth-party payment platform and systematical analysis of the investigation difficulties of illegal fourth-party payment crime cases,this paper proposes some detection countermeasures in terms of blockchain technology,police cooperation,and evidence collection,and some prevention countermeasures in terms of financial supervision,legal publicity and education,and citizen personal information protection.