Research On Prepaid Card Legal Regulation In Network Transaction

Prepaid cards are widely available in the market in recent years.For prepaid card spent the purchases in advance and stored in the card,it is convenient and unregistered for th e consumer,merchants can also be drained in advance,so it is used widely by consumers i n various fields.Unlike other cards,prepaid cards are prescient?prompt pay?formatted?an d microscopy melted.There are many kinds of prepaid cards in circulation and use in the mar ket.According to different classification standards,prepaid cards can be classified into differe nt categories.Prepaid cards can be classified into paper prepaid cards,electronic prepaid card s and virtual prepaid cards on the network.The payment method of prepaid card can be divide d into online prepaid card and offline prepaid card.Compared with the traditional offline of pr epaid card issued by the entity shop,online trading center line on the prepaid card consumptio n more and more,though the form is no longer a physical card,but shown as "securities","co de",but in essence is still pay the impress gold,can still be called a prepaid card.In view of this,the topic of this paper is "Research on the Legal Regulation of Prepaid Cards in Network Transaction".Except for the introduction and conclusion,the article consists of the following four parts:The first part of this article is the practice of prepaid cards in online transactions.First,introduce the the rise of prepaid cards in Network transactions.to elaborate the development history of prepaid cards in transactions;The typical issue of issuing prepaid cards illegally through Ctrip leads to problems with prepaid cards in Network.The second part of this article is the investigation of the causes of prepaid cards in online transactions.It analyzes the prepayment cards issuer mechanism,fund management system,information disclosure system,and payment institution's credit management system.It tries to find prepaid cards in the online transaction in the early stage.The reasons for many problems lay the foundation for how to carry out legal regulations in the following text.The third part of this paper is the basis of the legal regulation of prepaid cards in online transactions.This part mainly analyzes the necessity of legal regulation of prepaid cards in online transactions from theory and practice.Through the bilateral theory based on the basic principles of economics and the third-party payment market,the market effects of prepaid cards in online transactions are described so that they must be under the strict supervision ofthe law;in view of the supervision measures for prepaid cards in the context of third parties There are still regulatory loopholes and it is imperative to improve the supervision of prepaid cards under this background.The birth of the networked platform solves many problems in prepaid cards in current online transactions,and at the same time it brings issues such as market supervision and conflicts with third-party payment service systems.Therefore,it is necessary to regulate the problems still existing in prepaid cards in online transactions..The fourth part of this paper is to improve the supervision of prepaid cards in China's online transactions.This section is part of solving the problem.In the second part,on the basis of identifying problems in prepaid cards in online transactions,improve the main body supervision system,capital management system,information disclosure system,and payment institution credit management system for prepaid cards,and improve the background of third-party payment and network-linked platforms.Under the legal supervision of prepaid cards.