Research On The Third Party Payment In E-Business

Third Party Internet Payment is an indispensable and key sector of Electronic Commerce since Electronic Commerce cannot function without capital movement. Nowadays, While technological innovation greatly boosts the development of Third Party Internet Payment, the emergence of Internet Payment Service Providers that challenges the current legal system. Legal problems related to Third Party Internet Payment in our country seem to fail to solve the new problems arising from Third Party Internet Payment. In order to normalize this issue in China, laws and regulations in this domain need to be perfected urgently on the basis of China's . National Situation and research on relevant regulations of other countries and international organizations.The thesis had a deep research of multiple partners' rights and onuses of Third Party Internet Payment in e-Business, made clear the legal position of Third Party Internet Payment provider, provided legal supervise and legislation advice of Third Party Internet Payment through the analyze of their legal relationships.Nowadays Third Party Internet Payment in e-Business is run in the name of intermediary service and credit service, the business of currency payment and trusteeship are out of range of what it is permitted. For trader of Internet payment, when they chose a payment platform, not only the economy and easy of use of the platform, but also the credit and security factors are concerned. All of these requirements will first of all demand the legal position of Third Party Internet Payment platform, and have clear relationships of rights and onuses of all partners. In accordance with the legal issues, author analyzed the legal issue of subject qualifications and operation action, and discussed the legal position of Third Party Internet Payment platform and the rights and onuses of all partners.In the Third Party Internet Payment, the platform offers payment service and have a lot of currency deposition. These will cause two major legal onus problems: one is the security problem during payment, the other is the risk of e-Money deposition. In the thesis, the author makes an introduction about the legal properties of Third Party Internet Payment. Based on a comparison of the legislation and legal theories of countries, the author illustrates the legal status of Third Party Internet Payment, and analyzes the legal properties of parties in Internet Payment and their legal relationship. The author brings up the fault reasoning principle, and system level standard of security problem of Third Party Payment. The thesis also discussed the boundary and standard of transformation of currency and ownership, and the mechanism of risk-proof through insurance account.According to the fast development of Third Party Payment, considering the legal rights of all partners in Internet Payment, the thesis compared other countries' supervising mode, brings up the architecture and principles of supervising mode in our country, and constructed the legal specification framework of Third Party Payment.At last, the thesis comes up with the advice of perfecting our regulations on Third Party Internet Payment. From legal position, license mechanism, business range, payment and credit risk control to cooperation of different department, the thesis designed a proposal of legislation and specification.