NET purchase prepaid card into new focus should be a heavy rectification of network management

Another year "3.15", the theme of this year's Consumer rights Day is "consumption and security", CCTV "3.15" Party program group also this year's one line of the call to lock in the "who is responsible for online shopping," the rights of the Sword to the Internet to buy a variety of fraudulent behavior. And as the key link of online payment, the Internet users experienced fraud experience is also a minority. All along, security issues have always been puzzling the healthy development of electronic banking, especially in the current Alipay, Tenpay and other third-party payment enterprises wind, everywhere, online payment ecology increasingly diversified background, as consumers, once the occurrence of payment fraud and other risk events, often do not know the problem in which link, Who should be responsible for the security of online shopping? Who should pay for his losses?

NET purchase prepaid card becomes new focus

The network operation should be overhauled

E-commerce is gradually replacing the traditional retail means, traditional offline enterprises have net, resulting in an endless stream of complaints, internet consumption security problems exposed. In the "3.15" period, according to the association, Industry and Commerce and the Court and other aspects of information disclosed, found that "prepaid" consumption caused by the dispute is a high situation, focused on beer and skittles, tourism and leisure, health care, buy house home, grain and rice, fruit bills and other life service areas.

In the provinces and cities, in Wuhan, Hubei province, the City Association exposed 2011 years of fraud infringement cases, Internet group purchase on the "first list" and the increase of complaints up to 732.8%; in Baoding, Hebei province, consumer complaints presented the "three new three" features-online shopping, family cars, prepaid card consumption has become a new focus of complaints, mobile phone sales, internet services , Videophone shopping and other consumer disputes are rising trend ...

At present, the practice of business is to attract a long term service with a higher preferential margin. And because of the rapid development of network group buying mode, online purchase led to the growth of offline consumption. Recently, the National Association of Associations Analysis points out that 2011 years of service complaints accounted for 33.2%, the highest ranked first, and group buying complaints reached nearly 5%, the year-on-year growth of 43.3%, complaints of growth in the first place. Consumer association related personnel said that the service class because of the difficulty of obtaining evidence, the high cost of rights and many other factors, offline rights protection is still high.

According to the statistics of the last six months, the current life service received the consumer complaints mainly reflected in the following aspects, one is the consumer to some of the service description there is doubt, the second is the problem of overdue consumption, the third is the Business Change service standards.

According to the survey found that, in particular, some service operators in the conduct of service group purchase activities, random changes to buy rules, cancellation of service content, and even businesses "close" with the money absconded, causing huge losses to consumers. such as Guangdong consumer Mr. Cheng in a website at a price of 20 yuan per a 6 effective period to April 2012 of film coupons, but November 14, 2011, the site unilaterally terminated consumer use of the ticket.

These chaos to the entire development of the Internet has a negative impact on the consumer is not responsible for the security of Internet consumption needs to sacrifice a punch. Yang Hongfung, deputy director of the marketing division of the State Administration of industry and Commerce, said that the general Administration of commerce and Industry in 2012 will introduce a "blacklist" system to network operators and promote E-commerce credit signs. It should be said that consumption and security directly related to the fundamental interests of millions of households, not only the government departments of the major responsibility, but also should become the common responsibility of the whole society.

Strengthening personal information protection

Payment security needs to be improved

With the wide application of Internet in the society in recent years, personal information security has become one of the hot topics in the 2012 "two sessions". In the recently concluded CCTV "3.15" party scene, the citizen personal privacy is malicious disclosure and abuse rampant phenomenon is concentrated exposure, the personal information protection issue once again becomes the social attention focus.

CPPCC member, China Digital Board chairman Guo Wei in the "two sessions" also put forward the "Strengthening of personal information protection legislation for Internet service escort" proposal. He thinks, "the information security legislation, can fundamentally solve the real name information leakage problem, so that information security can have legal protection." He also made three recommendations on the issue. First, the legislation should establish a set of network citizenship system in line with China's national conditions and gradually promote the real implementation of the network system; Secondly, the legislation should establish the Information security product safety inspection and management systems; Thirdly, we should strengthen the construction of defense supervision mechanism and revise relevant laws.

While third party payments have grown rapidly, complaints of fraud have increased rapidly. At present, the main threat of net purchase payment security comes from the three categories of phishing website, merchant malicious fraud and account theft. One of the most rampant fishing sites, in 2011 only Yeepay paid to the users of phishing complaints on the site as high as 4923, these risk events seriously affected the customer's trust in online payment services, threatening the financial security of customers, become an important factor affecting the healthy development of online payments.

It is understood that the start-up of a group buying site is very easy, just register a domain name, pay dozens of yuan to hundreds of years of unequal annual fee can be opened, or even a lot of unregistered. According to statistics, group buying site "fishing" The risk is very high, 36.83% of users in the group purchase site consumption was "fishing."

At present, the network bank payment way too many, to the outlaws left a lot of opportunity. NET silver to pay the need to download certificates, installation U shield and a series of operations, time-consuming and laborious, and easy to appear jump page, such as fishing sites, passwords and financial security has become a potential user use.

Although the operating mode of each payment enterprise is different, and the role of the bank is different, it is necessary to clarify the responsibilities and obligations of the parties in the aspects of transaction subject audit, safety certification, error handling, risk compensation and information protection. In particular, third party payment agencies, because their credibility is weaker than the bank, so that many victims on the internet complained that the payment agencies involved in "partnership fraud." In fact, from the payment agencies involved in consumer complaints, there is a mixed phenomenon in the risk control of third-party payment agencies.

Strengthening the construction of credit security

Network rights in action

Poly cost-effective data show that 2011 help 10.83 million saved 11.05 billion yuan, the number of visitors per day over 10 million, a professional team to accept consumer rights complaints, accounting for the same period of the total number of transactions of less than 1.7 out of 10,000, far less than the domestic group purchase site and offline sales model of the complaints.

Youwei, a professor of management at Fudan University, believes that the rapid development of the online group buying model ignores the multiple challenges faced by the traditional service industry in the era of electronic business, including the lack of a trading credit system, the mixed user experience and the low maturity of the basic trading platform, which leads to a straight rise in complaints But as long as the establishment of a good electrical business credit system, consumers will receive greater convenience and protection.

The survey also found that more and more of the group buying site on the unreasonable by the refund, the first payment and other commitments are increasingly obvious. Compared with the offline transactions, occurred in some of the more formal group buying site complaints, whether in the sales security, complaints against the rights of the process or the success rate of complaints, have a significant advantage.

March 15, Alibaba released 2011 Annual Network Trade Rights data: 2011 Alibaba Total Return, delete more than 14.36 million kinds of prohibited, infringement information. At the same time, the number of fraudulent transactions lodged against paid members declined by about 70% from 2010.

Alibaba said, Alibaba focus on the platform information Quality control, has established from the merchandise infringement information to complaints processing, punishment of a set of systems. 2011, the International station launched the "Alibaba Basic Law", the establishment of a clear network regulation system, to combat the destruction of national laws and market order, the establishment of a full-time ban on restricted information control team, and public security, drug supervision and foreign drug agencies soca, such as the establishment of cooperative relations; Intercept Drug information 499,000 Illegal drug information 404,000, repaying 15,335 illegal members, China's station throughout the year to deal with rights, tort cases more than 150,000 pens, pay 52,000, for the buyer to recover the loss of about 36 million yuan. At the same time, Alibaba's Taobao, the cat, a Amoy, poly-Cost and Alipay and other platforms have teamed up to promote online shopping rights activities.

In addition to cracking down on violations, Alibaba also strengthens the integrity and security of its members in terms of authenticity, information quality and transaction security. 2011, China Station issued integrity Assurance Corps, seven-day rapid payment, account abnormal monitoring and other innovative products, through the promotion of personal access mechanism, blacklist association and real-time monitoring and other means to continue to fight fraud, and members of the security publicity measures, all-round protection of the security of the trading market.