The CCTV this year 15 evening parties of 3 · exposure, contain " shine pay " the money that functional bank blocks to let Carrie possibly " shine not " , cause wide attention. Card of this kind of bank is in small when consumption need not the password also need not sign, need to stand by POS machine to be able to be finished only trade, existence " lie between empty pilfer to brush " risk. Much home bank expresses, if want to shut " shine pay " function, can pass the phone bank, mobile phone bank, bank on the net, or hold card and Id to head for bar.
Actually, about " shine pay " safe risk, have media coverage early. This small avoid exempt label service closely, apply to silver-colored couplet chip to get stuck only, because when the bank is handling card, acquiesce mostly,open this one function, all the time since controversy is ceaseless. Many users discover till the ability when holding card to consume, oneself bank card had debutted " shine pay " . Going to the lavatory is convenient, safe secret worry also subsequently and come: Lose card to be equal to lose money directly?
To 3 · the exposure of 15 evening parties, silver-colored couplet is responded to, "Shine pay " convenient and safe, "Lie between empty pilfer to brush " it is to seldom count a case; Already combined each commercial bank to build " risk sum compensate pays " safeguard mechanism; Will improve a service jointly with the commercial bank, shut independently for the user reach restore a function to provide more convenient service.
From the point of this response, although silver-colored couplet is affirmatory will improve a service, but change innocently " acquiescent and enlightened " the current situation. If the user does not want this function, still get oneself " the hand moves an operation " undertake shutting. "Do not want " premise is " know the inside story " , if user from the start does not know bank card has this function, that " shut independently " also have no way is mentioned.
"Acquiescent and enlightened " the option that encroached consumer. "Shine pay " cannot kind with at inquiry, access the bank such as the paragraph to block basic function, it more resembling is a kind " appreciation serves " , be what brush card to consume functional foundation to go up in former some is outspread, not be card of consumer use bank is indispensible, and put in particular risk, "Acquiescent and enlightened " the basis is insufficient. "Acquiescent and enlightened " saying with its is to give consumer to go to the lavatory, be inferior to saying is silver-colored couplet " rigid " promotion, have " clause of Xiang Yu the Conqueror " disrelish. If the know the inside story of the user counterpoises to also do not have sufficient safeguard, that is double tort.
Since silver-colored couplet says " shine pay " convenient and safe, why to still give customer enlightened option, through serving character to attract an user to debut independently? The consumer that believes to have need can debut oneself use, spend to the self-identity of the service also meet taller. And must get admit, same product or service are again good, always consumer does not want, cannot replace them to make a decision. Consider say this service so that spend good paddy good, but do not give customer via agreeing with good stuff, how has been the experience of consumer met? "Shut independently " again convenient, always also bought euqally troublesome issue to the user, occupy media coverage what is more,the rather that, in the APP of partial bank, the order that cancels this function is very trival.
The user asks when handling card, "Need not to need to debut ' shine pay ' function " , it is so difficult to have? About " shine pay " controversy had existed several years, public opinion appeals financial orgnaization answers consumer rights and interests to have more respect all the time. To " acquiescent and enlightened " strong action, orgnaization of protection of consumer rights and interests and superintendency branch, can you act somewhat?
Ji Yu / civil
