论二维码支付的法律问题.docxVIP

PAGE 4 论二维码支付的法律问题 目 录 绪论·································································1 一、二维码支付的概述···············································1 （一）概念··························································1 （二）特征··························································1 （三）性质··························································2 （四）作用与意义···················································2 二、二维码支付的国内立法现状·····································2 （一）我国第三支付的法律地位·································2 （二）第三方支付机构的市场准入······························3 （三）对我国第三方支付的监管····························3 （四）非现场监督与现场检查相结合的后续评估体系············3 三、二维码支付的法律问题··········································4 （一）消费者权益保护问题········································4 （二）电子商务网站与第三方支付的捆绑······················7 （三）税收监管的法律问题····························7 四、二维码支付的法律建议······································7 （一）完善消费者权益保护立法，建立相关有效罚则··················7 （二）明确界定第三方支付的法律属性······························7 （三）对格式条款进行严格规制································9 （四）确立消费者的有限责任制度································9 （五）建立专门的电子税务登记制度································9 结语································································9 参考文献····························································10 [摘要] 二维码在当今社会拥有着极高的使用率，虽然提高了我们生活资金、消费的效率，但是它自身也存在着一系列问题例如在二维码支付中扮演者主导地位的第三方支付机构往往通过格式条款和服务协议等一些不利于消费者合法权益保护的条例来侵害消费者的合法权益，并且通过捆绑消费和责任的免除来扩大自身的权益，因此需要通过法律的修改和法律的制定来规范二维码支付中的主体的责任和义务，从而保障交易的安全性。 [关键词]二维码支付；第三方机构；交易安全；法律建议 绪 论 伴随着二维码支付在当今社会的使用越来越普遍，往往随之也会带来一些如窃取商家二维码问题。每一年，各省都会存在行为人利用窃取商家二维码的方式获得财产从而造成商家财产损失的案例，但是当下刑法并没有详细规定行为人利用偷换、窃取他人二维码的手段致被害人遭受财产损失的定罪问题，这使得在司法实践中存在一定的不明确性。在日常生活中并不只有偷换二维码这一种情况，也存在着手机丢失我们在未授权的情况下进行二维码支付的情况，在此情况下被害人将会面临财产损失的问题。那么如何分析和避免二维码支付存在的法律问题将会成为司法实践中面临的一大疑难；其次，其对传统货币制度以及纸币支付的方式也有着极大的挑战。 一、二维码支付的概述 （一）概念 QR码就是我们所谓的二维码，主要发明时间是一九九四年，起源于日本企业。二维码可以有效的采集，传递信息，属于非常关键的媒介和工具，是基于一维条码的升级而产生。随着科技的不断发展，二维码基于一维码的前提下，对信息编码、图像处理、信息传递等等技术进行了升级，自此宣告二维码技术的正式成熟。 （二）特征 1．信息容量巨大：作为一维条码升级发展的产物，二维码所能储存的信息容量相较于普