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互联网平台支付行业迅速发展,支付风险日益增加,用户权益保护亟待解决。用户是支付行业发展的基石,我国既不能挫伤平台经营者的发展积极性,又需要将用户权益保护上升为互联网支付法律的立法宗旨,健全完善具体的规则。鉴于平台与用户的实力差距,对用户进行倾斜性保护,明晰客户备付金孳息归属并以法律形限定让用户享有该笔孳息所带来的利益的形式;廓清平台差错支付责任,避免平台经营者以格式合同加重用户责任;将信息披露形式法定化,强制平台履行义务;探讨用户个人信息泄露牵连致损责任承担,平台不能证明用户过错应该承担责任。
Internet platform payment industry is developing rapidly, the payment risk is increasing, and the protection of user rights needs to be solved urgently. Users are the cornerstone to pay for the development of the industry. China can neither dampen the enthusiasm of platform operators, but also raise the protection of users’ rights and interests as the legislative purpose of internet payment law, and perfect and perfect the specific rules. In view of the strength of the platform and the user gap, the user tilt protection, clear the customer reserves attribution and legal form to allow users to enjoy the benefits of the form of the fruits; clear platform error liability to avoid Platform operators to increase the user’s responsibility for the format of the contract; the legal form of information disclosure to force the platform to fulfill its obligations; to explore the loss of personal information disclosure accountable for the loss of responsibility, the platform can not prove that the user should bear the fault of fault.