“支付宝”网上第三方支付平台的法律问题毕业论文.doc

“支付宝”网上第三方支付平台的法律问题 指导教师：XXX Abstract With the rapid development of network technology and the progress of the market economy, commodity trading online because of the huge amount of information goods, no time limit, trading and other advantages of gradually accepted by more and more consumers. Third party online payment platform not only makes the consumer online shopping more convenient for consumers to provide security. However, due to Chinas relevant legal system is not perfect, the lack of regulation of third party Internet payment in China, the legal nature and legal liability of the platform there is a big controversy. Because PayPal is our country third party online payment platform, the most influential representative of the enterprise, so this paper to Alipay as an example through the analysis of the legal nature and legal responsibility to pay treasure to reflect the third party payment platform has a series of problems. In this paper the case as the starting point through the case to find the problems. Through the case analysis of the legal nature of the payment of treasure, then pointed out that the current existence of precipitation funds, PayPal fraud and account security of these three problems, and through the three major issues to discuss pay treasure legal liability. Put forward some suggestions at the end of a series of legal problems to solve alipay. Key words：Third-party payment; Alipay security; Legal responsibility 目 录 一、第三方支付机构的法律性质 1 （一）案例概述 1 1案例回顾 1 2案例引发的争议 1 （二）支付宝的概述 2 1支付宝的产生 2 2支付宝的特点 2 3支付宝的运行流程 2 4目前支付宝的自我法律定位 3 （三）支付宝与电子银行的联系与区别 3 1支付宝与电子银行的联系 3 2支付宝与电子银行的区别 3 （四）第三方支付平台法律性质的判定 4 二、第三方支付平台中沉淀资金的滥用及责任的承担 4 （一）沉淀资金的概述 4 1沉淀资金的产生 4 2沉淀资金的法律性质 5 （二）沉淀资金的归属权 5 （三）沉淀资金的滥用问题 6 （四）关于沉淀资金的解决建议 7 三、第三方支付平台交易中欺诈问题及法律责任的判定 8 （一）案例回顾 8 （二）案例分析及引发的争议 8 （三）第三方支付平台交易中欺诈问题法律责任的判定 9 （四）关于第三方支付交易中的欺诈问题解决建议 9 四、第三方支付的账户盗刷问题及法律责任的承担 10 （一）案例回顾 10 （二）案例分析及引发的争议 10 （三）第三方支付的账户盗刷问题法律责任的判定 11 （四）关于第三方支付的账户盗刷问题解决建议 11 结 语 13 参 考 文 献 14  第三方支付机构的法律性质