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1、移动支付法律问题探析（Analysisoflegalissuesofmobilepayment）Mobilepaymentlegalissues:2009-12-25articlesource:InternetpapersKeywords:mobilepayment;electronicpayment;legalregulationThecombinationofInternet,mobilecommunicationandcomputertechnologyhasbroughtaboutanewrevolutioninthemodeofpayment,th
2、atis,theemergenceofmobilepayment.Mobilepaymentduetoitsmanyadvantagesatanytimeandanywhereconvenientandfasttopeople'slivesbroughtgreatconvenience,alsobringsnewlegalissues,suchasmobilepaymentparty'slegalstatus,thelegalliabilityissues.Withtheprogressanddevelopmentoftechnology,anewrevol
3、utionhasoccurredinthewayofpayment-theemergenceofmobilepayment.Mobilepaymenthasmanycharacteristics,suchasanytime,anywhere,convenienceandfast.Aslongasconsumershaveamobilephone,theycancompletethefinancingortransaction,andenjoytheconvenienceofmobilepayment.Inordertopromotethehealthydev
4、elopmentofmobilepayment,aseriesoflegalissuesmustbeclarified.First,theconceptofmobilepaymentanditsbusinessprocessMobilepayment,referstothecomputernetworksystemforconsumeruseofmobileelectronicdevicestoprovidethebankagreedbythemobileoperator'spaymentinstructions,bythebankthroughaconsu
5、merpaymentofmoneypaidtothecomputernetworkbusiness.Mobilepaymentissupportedbybankcardaccounts,andmobilephonesandcomputernetworksareusedastradingtools.Mobilepaymentscanbebroadlydividedintotwobasicmodels,namely,virtualpaymentsandSalesof(POS)(Point).POSterminalvirtualpaymentthatconsume
6、rscanusethemobilephoneinanyplaceforspecificproductsandservicesforremotepaymentPOSpaymentsiteoccurredinthebusiness,mobilephoneconsumerstoreplacethebankcardpaymentsite.Virtualpaymentshaveshorttermgrowthpotential,whilePOSsitepaymentsrepresentamaturestageformobilepayments.Atpresent,mos
7、tofthevirtualpaymentforcontentpaid,lowvalue,andfrequenttransactions,andgraduallydevelopedtohigh-valuecontent.Inthewholeprocessofmobilepayment,theconsumerbankaccountsandmobilephonenumberisboundbytheshortmessageofmobilephone,mobilephone,telephoneservice(Interac-tireVoiceResponse,refe
8、rredtoasIVR),wirelessappli
