网络支付APP中用户信息安全的法律问题研究

Research on Legal Issues of User Information Security in Online Payment APP

摘要: 在大数据时代，网络支付因其便捷性而得到了人们的广泛使用，但由于部分网络支付APP在用户不知情的情形下会擅自读取手机号码、地理位置、通讯录等用户信息，这就不可避免地导致近年来用户信息被过分读取、泄露的案件屡禁不止。为营造安全健康的网络支付运营环境、切实提升用户安全感，通过法条检索、文献梳理的方法研究发现虽然目前国家出台了很多相关法律法规，但当前仍存在着法律法规落实不彻底、网络支付APP行业不自律、政府技术水平有限、执法效率较低、司法救济机制不完善、用户安全意识薄弱的一系列挑战。为了应对这一现状，应当落实法律法规与行业自律有机结合；建立独立的用户信息监管机构；同时加强公益诉讼，采用举证责任倒置模式，进而为网络支付用户的信息安全保驾护航。

Abstract: In the era of big data, online payment has been widely used because of its convenience. However, some online payment apps will read user information such as mobile phone number, geographical location and address book without users’ knowledge, which inevitably leads to cases in which user information has been over-read and leaked in recent years. In order to achieve a safe and healthy operating environment for online payment and effectively enhance users’ sense of security, it is found that although many relevant laws and regulations have been promulgated in China at present, there are still a series of challenges, such as incomplete implementation of laws and regulations, lack of self-discipline in online payment APP industry, limited technical level of the government, low law enforcement efficiency, imperfect judicial relief mechanism and weak users’ safety awareness. In order to cope with this situation, we should implement the organic combination of laws and regulations and industry self-discipline; establish an independent user information supervision institution; at the same time, we will strengthen public interest litigation and adopt the inverted burden of proof model, thus escorting the information security of online payment users.