On Legal Regulatory System Of The Third-party Online Payment Of The United States

The three important components of the area of electronic commerce are the information flow, logistics and cash flow, which cash flow as the basis of the entire e-commerce system, mainly showed electronic payment. Among them, the third-party online payment system established a neutral, convenient, economical and safe way to allocate capital, reducing transaction costs and risks, breaking the bottleneck of the development of electronic commerce obviously, which becomes a very important component of the e-payment.Third-party payment source the U. S. system of independent sales organizations, followed by the rapid development of electronic commerce of the United States, cost-effective third-party online payment system in the United States came into being, therefore, third-party online payment agencies have also gradually increased, which Paypal has been developed become the world's most powerful one. At the same time, third-party online payment triggered by the industry regulator, financial security, consumer protection, the system of risk management, money laundering, tax and other issues as well as cash, which challenging the current legal system of the United States. Since 2001, the United States stepped up its supervision of third-party online payment sector. Now, the U. S. treats the third-party online payment services as money transfer business at law, belongs to a kind of money services business. Therefore, its not treat the third-party online payment agency as a new class agency to supervise through special legislation, but mainly from the perspective of money services business is divided into federal and state levels of the two regulators, the U. S. current consumer protection system, the financial regulatory system, credit management system, expanding the scope of application to the appropriate third-party online payment agencies, and organizations access and exit, financial security, network gaming, and taxation were special regulation.At present our third-party online payment for the legal regulation is still in a blank stage, to study and learn from the U. S. regulatory experience, of great significance to establishment of our third-party online payment system of legal supervision.