China Merchants Bank Credit card micro-service eat crabs or ignore risk

China Enterprise Public Opinion Network (www.yuqingcn.cn) recently observed, and Ma resigned merchants Bank president of the same heat news is, there are many friends in the share of the bank Credit Card Center "micro-customer service" Billing inquiries and other courage to "taste" of the application. Shanghai's Mr. Kong Merchants Bank Credit card Platinum users, he was in China Merchants Bank credit card website to see "micro-Customer service" feature introduced, the first time to try this new application. After binding the micro-signal and credit card information (through the pop-up page to submit identity cards, passports and other documents), he can through the China Merchants Bank Credit Card center of the micro-service to inquire about credit lines, including "credit card points inquiries", "credit card billing Inquiries", "Credit card transaction reminder". China Merchants Bank Credit card account related micro-letter client View China Merchants Bank Credit card billing information and account information micro-letter client can be alerted to the details of each transaction in real time. It is understood that China Merchants Bank on November 29, 2012 to establish credit card micro-letter account and trial run, providing billing inquiries, quota inquiries and integration inquiries March 28, 2013, China Merchants Bank micro-letter customer service platform officially on the line, users by replying to "validation", credit card information and micro-letter account binding, you can have a series of functional experience, such as transaction tracking reminders, card applications and status inquiries, billing details inquiries, rapid repayment, billing stage, check balance and points Personal information modification, reset password, etc. Operation mode fully combined with the convenience of micro-letter reply, cardholders only need to pay attention to China Merchants Bank Credit Card center of the micro-letter public account, can basically realize the mobile banking, telephone banking, online banking, all the functions, which is still the first in Chinese banking. China Merchants Bank Credit Card Center website to promote the "micro-customer service" China Merchants Bank of the new services, user-friendly, but also negative comments constantly. Some it commentators and financial experts have expressed concern about the huge risks lurking in the new service, saying that financial and mobile Internet service innovation is commendable, but the potential safety risks can not be ignored at any time. It is understood that the security level of Internet Platform user information is far from the bank. "Banks use network channels to provide services, first of all to verify that the platform carrying business has financial business Operation qualification." Not all new channels or cost-saving channels are suitable for carrying the core business of the bank. On the basis of security first, banks should also take account of the interests of customers, rather than the ' taste ' as a gimmick, the pursuit of maximum profit. "It's a comment from an IT expert. "The use of micro-letters to send sensitive information with cardholders is a serious security risk, both in terms of banking standards and financial supervision," he said. China Merchants Bank ' micro-customer service ' bill inquiries, etc. not only can be online operation but also large-scale promotion, customer security how to protect? "There are experts in the financial industry who are sharply questioning. China Merchants Bank Credit card senior user hole said: "When the bank in the new business, we should fully inform the possible risks, so that customers have the right to know and guard against awareness." But merchants bank customers in the "micro-customer service" to bind their own personal credit card sensitive information process, andThere are no risks that customers may encounter, such as the risk of qq/micro-mail stolen, such as micro-mail content is cut screen sent, stolen or ' fishing ' risk, such as micro-letter itself will record the customer's consumption information and other risks. From the current situation, China Merchants Bank has not fulfilled its due obligations. Some netizens called on the government departments should strengthen the merchant bank "micro-customer service" Bill inquiries and other business processes of examination and approval and supervision, protect the interests of the vast number of users. China Merchants Bank "micro customer Service" Billing inquiries and other business is the pioneering work of the crab, or to attract attention to ignore the user information security marketing means, soon to be seen.