UnionPay responded to the bank card ＂stolen from a distance＂： very few cases can be paid in full.
A few days ago, CCTV’s "3.15" party reported on eight major consumer events, such as dangerous spicy strips, immoral intelligent harassing calls, and "714 anti-aircraft guns" asking for money and killing them.
In addition, it also puts forward two major consumption warnings — — The "flash payment" function of bank cards may be stolen, and electronic cigarettes can also cause nicotine dependence.
With the exposure of these consumer shady scenes, various localities and departments have taken actions to "break" one by one.
China unionpay statement
Since the opening of the business in 2015, the risk ratio has been two over ten million;
The cardholder will pay in full within 72 hours before reporting the loss, and will also receive full compensation if it is confirmed as a stolen brush loss after 72 hours.
1. What are the security risks of bank card flash payment? UnionPay: You can get full compensation.
China UnionPay issued a statement in official website yesterday on the issue of "hidden danger of flash payment of bank cards" exposed at the March 15th party, saying that flash payment of bank cards is convenient and safe, and it has been widely used in the world, and "stealing a card from a distance" is a rare case.
The statement pointed out that "stealing brushes from a distance" is a very rare case. According to the statistics of China UnionPay and commercial banks, the risk ratio since the opening of the business in 2015 was two over ten thousand, far below the industry average transaction fraud rate of 1.16 over ten thousand.
In order to protect the interests of cardholders, China UnionPay has established a "risk full payment" guarantee mechanism in conjunction with commercial banks. For the risk loss of stolen brushes incurred by customers, cardholders will pay in full within 72 hours before reporting the loss, and those who are confirmed to have stolen brushes for more than 72 hours will also receive full payment. China UnionPay United Commercial Bank will further optimize the compensation mechanism, shorten the compensation time and improve the compensation efficiency.
The statement also said that small-sum confidential exemption is an industry rule, and China UnionPay and commercial banks have informed cardholders through official website announcement, card receiving contract, card issuing regulations, notice of cardholders’ rights and interests, mobile banking, WeChat WeChat official account, SMS and other channels, but some users still fail to fully understand the functions and safeguard measures of this business. In this regard, China UnionPay will work with commercial banks to improve services and provide more convenient services for users to shut down and restore their functions independently.
2. "Probe box" obtains user information. Blue cursor: not involved in operation.
A kind of "probe box" exposed by CCTV’s 3.15 party can discover the mobile phone numbers used by surrounding users through technical means such as Wifi, and collect big data personal information such as marriage, education level and income.
It is understood that many companies have launched similar products, and CCTV named the "Lucky Treasure" probe box of Binhe Technology Co., Ltd., a listed company on the New Third Board, which can not only collect user numbers, but also accurately depict users.
Regarding the incident that Binhe Technology was suspected of obtaining user information through probe boxes, Beijing Blue Cursor Data Technology Co., Ltd., one of the shareholders of Binhe Technology, responded that Binhe Technology was an enterprise that Blue Cursor participated in financial investment in its early years, and Blue Cursor did not occupy its board seats or participate in its daily operation decisions. As a shareholder of Binhe Technology, Blue Cursor attached great importance to the events reported by CCTV. After the program was broadcast, the company immediately contacted the relevant person in charge of Binhe Technology, asking Binhe Technology to conduct a comprehensive investigation on the problems mentioned in the program, and will urge it to explain to the public in time.
On March 16th, Shenzhen Stock Exchange sent an inquiry letter to Blue Cursor, requesting to explain the company’s investment amount, shareholding ratio, whether it participates in the daily operation and management, accounting methods and contribution to the company’s performance.
3. The production environment of spicy strips is dirty and messy. The General Administration of Market Supervision: severely investigate and deal with it.
According to the report of March 15th party, there are some problems in the production of spicy strips in Pingjiang Junli Food Co., Ltd. and Pingjiang Weiquan Food Co., Ltd., such as dirty sanitation and irregular processing flow. The General Administration of Market Supervision issued a message that night, demanding that the market supervision bureaus of Henan Province and Hunan Province severely investigate and deal with the enterprises involved, and deploy all localities to further strengthen the supervision of the production and operation of "spicy strips" and investigate and deal with violations of laws and regulations according to law.
The market supervision bureaus of Henan Province and Hunan Province are required to immediately carry out law enforcement investigations on the enterprises reported at the party, such as lankao county Ningyuan Food Co., Ltd. in Henan Province, Oufei Food Co., Ltd. in Weishi County, Henan Province, Junli Food Co., Ltd. in Pingjiang County, Hunan Province, and Weiquan Food Co., Ltd. in Pingjiang County, Hunan Province, and order them to stop production and business, completely remove and seal the products of the enterprises involved, severely investigate and deal with illegal acts, and investigate criminal responsibility according to law if they are suspected of committing crimes.
At 9 o’clock that night, Pingjiang County Market Supervision Administration, Public Security Bureau and other departments dispatched more than 50 law enforcement officers, rushed to the enterprises involved, sampled and inspected products on the spot, sealed up machinery and equipment, ordered them to suspend business for rectification, and initiated investigation procedures.
The Pingjiang county government also called the heads of more than 100 spicy strip enterprises in the county to hold a rectification meeting that night, requiring all enterprises to carry out self-examination and self-correction and set up reforms. At the same time, it was announced that the county’s food industry would be investigated from now on, and the problems found would be dealt with at the top, and no tolerance would be tolerated.
4. "714 anti-aircraft gun" high-interest cash loan mutual gold association: city-wide arrangement
On the morning of March 16th, the press conference of Beijing Internet Finance Industry Association announced that CCTV’s March 15th party exposed the high-interest cash loan called "714 anti-aircraft gun" and the violent collection industry behind it, and exposed a number of companies engaged in usury, violent collection, beheading and illegal lending, etc. Beijing Mutual Gold Association attached great importance to it, and has urgently set up a special disposal team to coordinate lawyers, experts and other professionals to conduct a city-wide round immediately.
According to the announcement, the association called on all institutions to improve their awareness of compliance, legal awareness and social responsibility. When providing lending services to consumers, they should promptly disclose product information in public publicity channels, clarify loan interest rates and various forms of fee standards, be transparent and compliant, abide by laws and regulations, and standardize operations to jointly purify the social and economic environment and maintain economic and financial order and social stability.
Text/reporter Zhang Xi Li Tao
Zhangxin Zhang Rui