Problems faced by online payment systems in the context of e commerce

Whether it is UnionPay and whether it is the security of personal user information.

Legal analysis: Online lending is a kind of private lending, which mainly refers to small loan transactions between individuals, and generally requires the help of e-commerce professional network platforms to help borrowers and borrowers establish a lending relationship and complete relevant transaction procedures. Borrowers can publish borrowing information on their own, including amount, interest, repayment method and time, to achieve self-service borrowing; Based on the information released by the borrower, the lender decides the amount to lend on its own, realizing self-service lending.

Legal basis

Provisions on Several Issues Concerning the Application of Law in the Trial of Private Lending Cases

Article 1 The term "private lending" as used in these Provisions refers to the act of financing between natural persons, legal persons and unincorporated organizations. These Provisions do not apply to disputes arising from the issuance of loans and other related financial services of financial institutions and their branches established with the approval of the financial regulatory authorities to engage in loan business.

Article 2 When a lender initiates a private lending lawsuit with the people's court, it shall provide proof of creditor's rights such as IOUs, receipts, and IOUs, as well as other evidence that can prove the existence of a legal relationship between loans. Where the creditor's rights vouchers such as IOUs, receipts, and IOUs held by the parties do not indicate the creditor, and the parties holding the creditor's rights vouchers file a private lending lawsuit, the people's court shall accept it. Where the defendant raises a factual defense against the plaintiff's creditor qualifications, and the people's court finds that the plaintiff does not have the creditor qualifications upon review, it rules to dismiss the lawsuit.

Article 24: Where the borrower and the borrower have not agreed on interest, and the lender claims to pay interest, the people's court will not support it. Where the agreement on interest in loans between natural persons is unclear, and the lender claims to pay interest, the people's court will not support it. Except for loans between natural persons, where the agreement between the borrower and the lender on the loan interest is unclear, and the lender claims the interest, the people's court shall determine the interest based on the content of the private loan contract and on the basis of factors such as the local or the parties' transaction methods, trading habits, and market interest rates.

Article 25 Where the lender requests the borrower to pay interest in accordance with the interest rate agreed in the contract, the people's court shall support it, except where the interest rate agreed upon by both parties exceeds four times the one-year loan market interest rate at the time the contract is concluded. The "one-year loan market ** interest rate" mentioned in the preceding paragraph refers to the one-year loan market ** interest rate authorized by the People's Bank of China to be released monthly by the National Interbank Lending Center from August 20, 2019.

Summary. Hello, the payment and settlement problems in the e-commerce system: 1. Restricted by time and space 2. The fixity of the surface amount of cash means that a large amount of cash must be carried in large transactions, which is insecure.

The bill payment method of transfer is no longer anonymous and the fees are higher compared to cash transactions. The nature of the bill itself determines that the transaction can be carried out in different places at different times. The exchange function of the notes also makes it possible to trade in large quantities.

Payment settlement issues in e-commerce systems.

Hello, the payment and settlement problems in the e-commerce system: 1. Restricted by time and space 2. The fixity of the surface amount of cash is called early, which means that a large amount of cash must be carried in large transactions, which is insecure. The bill payment method of transfer is no longer anonymous and the fees are higher compared to cash transactions.

The nature of the bill itself determines that the transaction can be carried out in different places at different times. The exchange function of the bills makes bulk transactions possible.

Related information: Online payment is based on electronic payment, and it is a payment method that is convenient for e-commerce payment and settlement through the continuous development of Brother Cong, which is the latest development stage of electronic payment. This kind of payment is more convenient and faster than POS machine payment and ATM machine access.

With the continuous development of network technology, e-commerce has also accelerated its development process and gradually become an indispensable part of people's lives. Obviously, due to its face-to-face transaction mode, the traditional payment method has been unable to meet the requirements of the operation of electricity and sub-transactions, so various electronic payment methods have come into being. It overcomes the limitations of traditional payment methods, such as complex process, time-consuming, and inconvenient to carry cash, and plays an important role in e-commerce because of its convenience, efficiency, security and other characteristics.

The electronic payment methods that have been widely used today are divided into the following categories: electronic money payment methods; e-Cheque payment method; bank card payment methods; E-wallets.

Electronic money is money that realizes the payment function in the form of information transmission through a computer network. Compared with traditional money, electronic money payment methods have the characteristics of simplicity, security, speed, reliability, and micropayment. Electronic money.

The inability to pay is not conducive to the development of e-commerce, and there are many traditional ways that are further developed? There will be a new development.

I studied e-commerce.

**Research safety issues The teacher forced us to be depressed.