Yi Long Net order payment is sued loophole: payment password as a fake

Information pictures concerned about the financial consumer service rights of the object of complaint: Yi Long Travel Network (U.S. Nasdaq [micro-blog] listed companies, stock code n a SD a q:lo n G) is complained about products: Online order payment path complaint: Booking hotels in Art Dragon online, in the absence of a silver platform or a third-party payment channel, as well as　　Without the password input, the payment can be completed, consumers think there is a significant loophole. Incident after a public institution in Guangzhou Yuexiu District, Mr. Li, March 1 to the South are reflected, its February 28, 2013 10 o'clock in the Arts and Crafts site reservation hotel. On the home page, click on "hotel Group purchase" to enter a hotel booking pages. And in the choice of the right room, Mr. Li entered the mobile phone number, and select the merchant bank Credit card as the payment method, in the next page, enter the card number, name, credit card validity and when the card to fill in the certificate-ID number, click "Confirm credit card information, submit" button,　　Mr. Li's mobile phone received a credit card from the consumer notification information, told it has been successfully consumed 336 yuan (room rate of 168 yuan/day). Demand: Perfecting the online order payment function security The victim said: Yi Long Network in the payment function set up a major loophole. Its payment function, not only did not transfer to the network silver platform or through the legal licence of the third party to pay the company payment channel, and in the absence of any verification code, transaction password and other security measures, the implementation of the deduction fee.　　And Mr. Li's investment credit card itself is set up a query password, trading password. The name, ID number, the bank card number and the validity period and so on are not difficult to obtain, once was mastered by others, then can this website easy consumption.　　Although credit card issuers have consumer SMS reminders, this consumption is irreversible and the cost of protecting rights is too high. Party A: Yi Long network art Dragon Travel Network c E O Cui [Weibo] "This is not a security vulnerability issue." Credit card payment does not need to enter the trading password, which is international practice. Including the domestic number of online payment sites also choose this payment path: Input personal identification information and bank card number to pay, do not need dynamic password, trading password. This is the choice that the credit card organization, the merchant and the general consumer make after balancing the efficiency and security of the transaction. The art dragon itself has a fraud-prevention team that will conduct internal data audits when users enter information, and will also pass a Third-party database to audit the risk of theft of credit cards that is constantly being updated.　　According to the audit situation, high risk credit card will be refused. Users out of security psychology, think dynamic password, transaction password input, in the use of card security added a layer of protection. We recognise consumer security concerns, but trading passwords do not fully protect the risk of user credit card theft. The biggest problem with trading passwords is the cost of adding time and interactive steps to a transaction, especially when a consumer subscribes to a mobile phoneThe complexities of mutual formalities will be unbearable. Art Dragon to provide air tickets, hotel reservations, prices and inventory is updated in real time.　　If the transaction process is cumbersome, and the network channel problem can not send dynamic passwords in time, resulting in users can not successfully purchase tickets or hotel booking, it will give users and art dragon both sides caused losses. All Chinese banks will send text messages to consumers ' mobile phones the first time after credit card-deduction deals. If the consumer finds the stolen brush, should immediately complain to the bank, the bank will immediately refuse to pay or to the consumer to pay; Consumers should also immediately complain to the Arts dragon, Art Dragon received complaints, will promptly check with the bank, and contact the business to cancel the order, and will have deducted the cost of return. In addition, if the credit card was stolen, the victim was found only a few days later, and at this time the stolen credit card party has completed the consumption.　　The consumer should report to the public security organ, verify by the public security organ, the art Dragon is willing to bear the damage of the victim party. Party two: China Merchants Bank credit card customer service said, Yi Long Network is indeed a partner. and the current cooperation of the merchant, not the family in the consumption without the need to provide a password. Consumers in the consumption of security considerations, should carefully choose the network trading platform. If there is a bank card stolen brush behavior, timely complaints to bank customers.　　The bank will send special personnel to the Art Dragon Network and stay in the hotel for time verification. Interview: South all reporter Guozhen intern Shi lawyer said Guangdong Guang law firm publicity lawyer Art Dragon is necessary to improve payment system Yi Long Network provides only a booking of services, consumers pay money, in nature, belong to the deposit. "Deposit" means that the parties agree to pay a certain amount of money to the other party as a means of concluding the contract, the contract can be rushed to meet the corresponding payment. But the deposit does not have the guarantee function, therefore the consumer after discovers own card to be stolen the brush, should in the first time propose to the art Dragon NET and requests cancels the order and refunds the corresponding payment.　　Yi Long net in the contract does not actually perform the case, the original order and refund the corresponding money, otherwise need to bear the losses caused by consumers. For the art of long network consumption loopholes, art dragon nets need to improve their systems, to avoid the theft of stolen credit card cases occurred. And for consumers, should properly keep their own bank card, to avoid the leakage of bank card information, because if the rights involved in such a lawsuit to recover the corresponding losses, consumers often difficult to prove that they have done the proper custody of their own bank card obligations, this will because the proof can not lead to the risk of losing the existence.