数字经济时代网络支付中的消费者权益保护研究

A Study on Consumer Rights Protection in Online Payments in the Digital Economy Era

摘要: 本文聚焦网络支付技术创新与法律规制的失衡问题，探讨数字经济时代消费者权益保护路径。首先界定网络支付的“金融–技术”二元属性及“数字消费者”范畴，解构传统三方主体法律关系与智能合约带来的新型法律关系变革。分析发现，当前存在知情权技术化隐形侵害、资金安全责任分配失衡、生物信息滥用等问题。通过借鉴欧盟PSD2数据控制权强化与开放银行规则、美国EFTA纠纷快速仲裁与分层监管经验，提出完善对策：立法上构建多层级规范体系，增设数字消费者保护专章；监管上建立沙盒监管与RegTech动态治理体系；纠纷解决上创新区块链存证与在线仲裁机制。研究旨在平衡技术创新与权益保护，为数字经济法学理论提供参考。

Abstract: This paper focuses on the imbalance between technological innovation and legal regulation in online payment, exploring the path for protecting consumers’ rights and interests in the digital economy era. It first defines the “financial-technical” dual attributes of online payment and the scope of “digital consumers”, and deconstructs the traditional tripartite subject legal relationship and the new legal relationship changes brought by smart contracts. The analysis reveals that there are currently problems such as technically hidden infringement of the right to know, unbalanced distribution of responsibilities for fund security, and abuse of biological information. By drawing on the experience of the EU’s PSD2 in strengthening data control and open banking rules, as well as the US EFTA in rapid dispute arbitration and hierarchical supervision, it proposes improvement countermeasures: establishing a multi-level normative system in legislation with a special chapter on digital consumer protection; building a sandbox supervision and RegTech dynamic governance system in supervision; and innovating blockchain evidence storage and online arbitration mechanisms in dispute resolution. The research aims to balance technological innovation and rights protection, providing a reference for the legal theory of the digital economy.