摘要
在人工智能时代,为更好地处理用户数据,算法技术应运而生,并助力金融科技平台创新发展。但金融科技平台在创新应用算法技术时,同样带来了算法价格歧视。通过对算法价格歧视的技术路径分析,发现算法价格歧视严重侵犯了消费者信息权,且呈现出隐蔽性、多样化与非公平性的特点。从法律性质分析,算法价格歧视既不同于正常商业活动下的差别定价,也不宜认定为价格欺诈,而是算法滥用而衍生的价格歧视。然而,中国对金融科技平台算法价格歧视下消费者信息权的法律保护明显不足。结合金融科技平台算法价格歧视的本土化实践,中国有必要构建金融科技平台算法价格歧视下消费者信息权的法律保护路径:提升平台算法信息的透明度,完善消费者信息权的规范结构,增强消费者信息权的公平保护。
In the era of artificial intelligence,algorithm technology has emerged to process user data better and as-sist in the innovative development of fintech platforms.However,when fintech platforms innovate and apply algo-rithm technology,it also brings about algorithmic price discrimination.Through the analysis of the technical path of algorithmic price discrimination,it is found that it seriously infringes on consumers'right to information and ex-hibits characteristics of concealment,diversification,and unfairness.From a legal perspective,algorithmic price discrimination differs from differential pricing in normal commercial activities and should not be considered price fraud.Instead,it is a form of price discrimination derived from algorithmic abuse.However,China’s legal protec-tion of consumer information rights under algorithmic price discrimination on fintech platforms is insufficient.Based on the practice of localizing algorithmic price discrimination on fintech platforms,China must establish a le-gal protection path for consumer information rights under algorithmic price discrimination on fintech platforms:en-hancing the transparency of platform algorithmic information,improving the regulatory framework of consumer in-formation rights,and strengthening the fair protection of consumer information rights.
作者
程雪军
CHENG Xue-jun(School of Law,Tongji University,Shanghai 200092;School of Law,Peking University,Beijing 100871)
出处
《价格月刊》
北大核心
2025年第1期1-8,共8页
基金
教育部人文社会科学研究青年基金项目“金融科技平台数据垄断的系统治理研究”(编号:23YJC820005)。
关键词
金融科技平台
算法
算法定价
算法价格歧视
消费者信息权
fintech platform
algorithmic
algorithmic pricing
algorithmic price discrimination
consumer informa-tion rights protection
