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近年来,电子商务发展迅猛,淘宝、京东等一大批电子商务平台及相关支付平台功能日趋完善,网络、通讯、金融、电子商务等行业结合日趋紧密,互相绑定服务,成为了当代最流行的支付手段。手机银行、手机绑定信用卡、手机支付APP等业务或功能适用广泛,这些功能或服务在极大方便消费者日常生活的同时,也隐藏着很大缺陷,甚至为信用卡犯罪提供了新的行为方式,亟待法律予以规制,本文拟对非法使用他人绑定信用卡的手机进行消费或转款的行为进行法律分析,指出电子商务发展过程中的一些不足。
In recent years, the rapid development of e-commerce, Taobao, Jingdong and a large number of e-commerce platforms and related payment platform functions are maturing, network, communications, finance, e-commerce and other industries combined with increasingly close, binding services, has become the most popular Means of payment. Mobile banking, mobile phone bundled credit card, mobile payment APP and other services or functions are widely used, these functions or services in the great convenience of consumers daily life, but also hide a great flaw, and even credit crimes crime provides a new way of behaving , Which urgently need to be regulated by law. This article intends to make a legal analysis on the behavior of using or handing over a mobile phone which is illegally bound to a credit card by others, and points out some shortcomings in the development of e-commerce.