论信用卡持卡人隐私权的法律保护

随着信用卡的普及以及信用卡共享信息系统的逐步建立,持卡人的隐私权保护问题日益凸显。在信用卡核发和使用过程中产生的个人身份信息和信用卡交易信息因涉及隐私权均应依法加以保护,但我国对持卡人的隐私权保护在立法方面、申领合约方面和举证方面尚存诸多不足之处。为此,文章在借鉴欧美国家和我国台湾地区相关立法和司法保护经验的基础上,提出了完善我国持卡人隐私权保护的法律对策。

On the Legal Protection for the Privacy Right of Credit Card Holders

With the popularity of credit cards and the establishment of credit card information sharing system,there arise the problem of the legal protection for the privacy right of credit card holders.Personally identifiable information and information on credit card transactions relating to privacy right,which are generated during the issuing and use of credit cards,should be protected by law.However,there are still some short comings in legislation,application contract and proof-providing on the legal protection for the privacy right of credit card holders in China.Therefore,this paper conducts extensive research on legislation and judicial protection in European countries,America and Taiwan Province in China,and then proposes the legal measures to consummate the legal protection for the privacy right of credit card holders in China.