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无现金支付致盗用频发 何以让消费者爱恨交织?

2017-06-08 08:42:21 来源:法制日报

疯狂赛车官网

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疯狂赛车官网ZILIAOTU。ZHONGXINSHEJIZHE LIUXIN SHE

无现金支付进入生活方方面面信息泄露导致盗用欺诈频发

移动支付何以让消费者爱恨交织

□ BENBAOJIZHE ZHAOLI

“YA,MEIDAISHOUJI,NINDENGHUIER,WOQUCHESHANGQU。”

 

ZHENGZHUNBEIZOUCHUMIANBAODIANDEKERENYOUZHUANTOUHUILAI,SHOULINAZHEQIANBAO,XIAOZHEZICHAODAO:“KANJIANQIANBAOJURANMEIFANYINGGUOLAI,KEYIXIANJINZHIFU。”

SHANGMIANDEYIMU,DUIYUZAIBEIJINGSHIFENGTAIQUJIAYUANLUYIJIAMIANBAODIANGONGZUODELIUCHANGLAISHUO,ZAOYISHIJIANGUAIBUGUAI,“YOUYICIWOMENDIANLIDEDIANZIZHIFUXITONGFASHENGGUZHANG,YINGYEECHUANGXIALELISHIXINDI,YINWEIHENDUONIANQINGRENPINGCHANGZHIDAISHOUJICHUMEN,DOULIBUZHUANGXIANJIN”。

RUJIN,ERWEIMAZHIFUZAICANYINMENDIAN、CHAOSHI、BIANLIDIANDENGXIANXIAXIAOEZHIFUCHANGJINGDEDAOGUANGFANYINGYONG。RANER,ZAITIAOMASHENGCHENGJIZHIHECHUANSHUGUOCHENGZHONGRENGCUNZAIFENGXIANYINHUAN。“ZAIKAIFANGHUANJINGXIA,YIDONGZHIFUFENGXIANZHENGZHUJIANCHENGWEIZHUYAOFENGXIANLEIXING,BINGCHENGXIANCHUYINBIXING、FUZAXING、JIAOCHAXINGDENGXINQUSHI,YIDONGSHOUJIDUANFASHENGDEZHANGHUDAOYONGHEQIZHACHENGXIANGAOFATAISHI,JIYONGHUZIJINZAOCHENGYANZHONGSUNSHI。”ZAI6YUE6RIYOUZHONGGUOZHIFUQINGSUANXIEHUIJUBANDE“2018NIANYIDONGZHIFUANQUANBIANMINXUANCHUANZHOUQIDONGYISHIJIYIDONGZHIFUANQUANYUCHUANGXINYANTAOHUI”SHANG,ZHONGGUOZHIFUQINGSUANXIEHUIFUMISHUZHANGMAGUOGUANGSHUO。

支持者:生活更便利

ZUOWEI90HOU,ZAIGUOQULIANGNIANDUODESHIJIANLI,BEIJINGSHIMINZHANGFENGJINYOULIANGCIJIHUISHIYONGXIANJIN。

疯狂赛车官网YICISHIZAIYIGELUBIANTINGCHECHANG,ZHANGFENGXUYAOZHIFU16YUANJIKANCHEDELAODAYE。DANGKANDAOLAODAYESHIYONGDEHAISHILAOSHISHOUJIDENEIYIKE,ZHANGFENGFANGQILEHETASHANGLIANG,ERSHIGUAIGUAIJILE100YUAN,BINGXIANGLAODAYEDAOQIANSHUOZIJIMEIDAILINGQIAN。

LINGYICISHIZAIYIJIAGONGLIYIYUANDEZIFEIYAOFANG,MEIYOUPOSJIHUOYIDONGZHIFUXUANXIANG,ZHISHOUXIANJIN。“WOCHANGSHIHESHOUYINYUANGOUTONG,RANGTAJIESHOUWOJIATAHAOYOU,RANHOUWOJITAFAGEHONGBAO,ZHEIYANGWOJIUKEYIMAIDAOYIZHI25YUANDEYANYAOGAO。NEIGUNIANGBIYIDIKANLEWOYIYAN,SHUO‘RUGUOMEIGERENDOUXIANGNIZHEIYANG,WOYITIANYAOJIADUOSHAOHAOYOUA?QIANBAOTIXIANHAIYAOSHOUXUFEIDE’。”ZHANGFENGHUIYISHUO,BUGUO,SHIZHIJINRI,NEIJIAYIYUANZAOYIKAITONGLEZHIFUBAOFUKUANGONGNENG,ERLUBIANSHOUTINGCHEFEIDELAODAYEYENASHANGLE“ZHANGSHANGZHINENGSHOUFEIJI”。

QIANYIZHENZILUGUONEIGETINGCHECHANG,LAODAYEDUIZHANGFENGSHUO,LAOBANJITAYONGZHEIGE,YISHIWEILEBIMIANGAOFENGQIJIANLAIBUJISHOUFEIDENGGANGA,ERSHIBIMIANTAJIECHUXIANJIN,JIEJUELUANSHOUFEI、JIEKOUTINGCHEFEIDEWENTI。ERDUITABENRENDEHAOCHU,JIUSHIZAIYEBUXUYAOZHUNBEIYIDABALINGQIANLE。

BEIJINGMOUGOUWUZHONGXINTINGCHECHANGGUANLIYUANPANSHIFUSHUO:“ZHIQIANCHELIANGJINCHUSHI,TINGCHE、QUKA、JIAOFEI,ZHENGGEGUOCHENGZHISHAOXUYAOBANFENZHONG,CHEDUODESHIHOUHUIGENGJIU;YOULE‘ETCPTINGCHE’HOU,CHELIANGJINCHUBUXUYAOTINGXIADENGDAIJIAOFEI,ZHENGGEGUOCHENGZHIXULIANGMIAO,BUJINYONGHUFANGBIANLE,TINGCHECHANGZHIXUYEGENGHAOLE,ZHEIZHONGJISHUZHENYINGGAIZAIMEIJIASHANGCHANGDOUYONGSHANG。”

疯狂赛车官网DEQUE,WUXIANJINSHEHUIYUELAIYUEDUODIBEITIJI,SHENZHIYIJINGKAISHIYOURENJINXINGDAOJISHI。

BUGUO,ZAIZHEIYANGDEDAHUANJINGXIA,YEYOUYIPIRENZAI“NISHIERXING”,JUJUESHENZHIYANEYIDONGZHIFU。

ZAIBEIJINGCONGSHIJINRONGGONGZUODEGUOTAOJIUSHIJIANDINGDEXIANJINSHIYONGZHE。RANGTAGANSHOUDAOZIJICHENGWEIYILEI,SHIZAIYINIANQIANDEYICIJUHUISHANG。

疯狂赛车官网“DANGSHIJUHUIJIESHU,DAJIAZHENGZHEJIEZHANG。KEJIUZAIWOCONGQIANBAOLICHOUCHUYITAQIANZUOFENYONGZHUANGSHI,QUEMEIYOUSHOUHUOYINGYOUDEZUNZHONG。TONGXINGZHEYIJINGANJINGDISAOMA、FUKUAN、QUEREN,YIQIEDOUWUBILIUCHANGERANJING。ZUIHOU,TONGXINGZHEKANZHEWOSHUO,‘XIANZAISHEIHAIYONGXIANJINA’。”HUIYIDANGSHIDECHANGJING,GUOTAOSHUO,“NEIYIKE,TAKANZHEWO,HAOXIANGAERFAGOUKANZHEYIGEWEIQICHUXUEZHEYIYANG。NEIYIKE,WOGANSHOUDAOLE《SANTI》ZHONGSUOMIAOSHUDE,GAOWEIDUIDIWEIDEJIANGWEIDAJI。”

ZHEICIDAJI,RANGGUOTAOKAISHIGUANZHUSHENBIANDEWUXIANJINSHENGHUO,SHANGXIABANDITIE、GONGJIAOKEYISHUAKA,CHIFAN、MAIDONGXIQUANBUDOUKEYIYONGWEIXIN、ZHIFUBAOYIJISHUAYINXINGKALAIWANCHENG。

“WOHAIFAXIANLEYIGEYIQIANBEIWOHULVEDESHISHI,JIHUSUOYOUDEXIAOSHANGFANDOUKEYIYONGYIDONGZHIFUWANCHENGJIAOYI,BUGUANTASHIMAIJIDANGUANBINGHAISHIJIANBINGGUOZI,BUGUANTASHISHOUJITIEMOHAISHIMAIXIGUA,DOUHUIBAWEIXINHEZHIFUBAOLIANGGEERWEIMAYINDEQINGXIERXINGMU。”GUOTAOSHUO,JINYOUDEXIANZHISHI,YOUYICIHAIZIYOUERYUANZUZHIJIAZHANGJUANKUAN,ZHINENGYONGXIANJIN,BUKEYIYONGYIDONGZHIFU。

拒绝者:安全在裸奔

WUXIANJINSHEHUI,ZAIQUNIANCHENGWEIYIGERECI。ZHIFUBAOHEWEIXINZHIFUSHENZHIFENBIETUICHULE“WUXIANJINCHENGSHIZHOU”HE“WUXIANJINRI”,RANGZHEIYIGAINIANBIANDERURIZHONGTIAN。

SUOWEIWUXIANJINSHEHUI,GAIYANZHI,JIUSHIYIDONGZHIFUSHEHUI。ZHEIGEGAINIANDEXINGQI,DAIBIAOLEZHONGGUOYIDONGZHIFUSHICHANGKAISHIXIANGZONGSHENTUIJIN,CONGSHANGYEJIAOYIDAOGONGGONGSHIWU,CONGXIANSHANGCHANGJINGDAOXIANXIACHANGJING。

疯狂赛车官网ZONGSHIRUCI,DUIYUYIXIEJUJUEYIDONGZHIFUDERENLAISHUO,TAMENDELIYOUYEBIJIAOCHONGFEN。BIRUGUOTAO,ANQUANWENTISHITAJUJUEYIDONGZHIFUDEZHUYAOYUANYIN。

疯狂赛车官网JINNIANLAI,YIDONGZHIFUZAIKUAISUFAZHAN、GAIJINYONGHUTIYAN、BIANLIQUNZHONGDETONGSHI,QIFENGXIANYESUIZHIFASHENGXINDEBIANHUAHEZHUANYI。

疯狂赛车官网“JIUXIANGMOUYITIAN,CONGNICHUMENDACHE、ZAIDITIEKOUMAIZAOCAN、WUCANDINGWAIMAI、XINGBAKEXIAWUCHA、LUBIANTANMAISHUIGUO,ZAIDAOLUTIANCHISHAOKAO,ZHEIYIQIEDEXIAOFEIXINGWEIDOUWUXIANJIN,TONGGUOYIDONGZHIFUJIEJUE,YOUCICHANSHENGYIPIYOUYIPIDEJIAOYISHUJU。RIFUYIRI。TONGGUOZHEIXIESHUJU,NIDEXIAOFEIJILUYUSHENGHUOXIGUANBEIXIANGGUANGONGSISHENZHICHANYELAOLAOZHANGKONG。TAMENBINIDEJIARENHEPENGYOUGENGLEJIENI,SHENZHIBINIZIJIGENGLEJIENI。ZAITAMENMIANQIAN,WOMENHENKENENGSHILUOLUDE,BINGQIEWUCHUKEZANG。”GUOTAOSHUO,DAOMUQIANWEIZHI,ZHEIXIEGONGSIZHANGKONGSHUJUDEXINGWEIYIJIRUHEHELIBAOHUYONGHUDEYINSI,SIHUBINGMEIYOUSHIZHIXINGDEJIANGUAN,“ZHEIJIUSHIWUXIANJINSHEHUIDELINGYIMIAN。ZAIMOUZHONGYIYISHANG,WOMENWULUKETUI,YEWUCHUKEQU”。

“YOURENDEDIFANGJIUYOUJIANGHU,YOUQIANDEDIFANGJIUYOUZHAPIAN。”ZHEISHIZUOWEIJISUANJIGAOJIWANGLUOANQUANYANJIUYUANJIANGXINGPENGDETIHUI。

SUIZHEYIDONGZHIFUSHICHANGDEBUDUANKUODA,YIXIEBUFAFENZIZHUJIANJIANGHEISHOUSHENXIANGYIDONGZHIFUYONGHU。QIZUOANSHOUDUANZHUANYEHUA、TUANHUOHUA,TONGGUOWANGLUODELIANXI,SHENZHIYIXIESUWEIMOUMIANDEBUFAFENZIYEKEYIFENGONGXIEZUO,ZHUJIANXINGCHENGHEISECHANYELIAN。

疯狂赛车官网TUOKU、XIKU、ZHUANGKUDE“HEIKE”——ZHEISHIJIANGXINGPENGDUIYUYIDONGZHIFUZHONGCUNZAIDE“HULIANWANGYOULING”DEBIAOSHU。

“JINNIANLAI,GUONEIGUANYUYONGHUYINSIXINXIBEIQIEQUDESHIJIANSHIYOUFASHENG。WANGLUOHEISECHANYELIANYIJINGCHENGXIANDICHENGBEN、GAOJISHU、GAOHUIBAODEBAOFAXINGZENGZHANGTAISHI,YUELAIYUEDUODEWANGLUOHEICHANFENZITONGGUOTUOKU、ZHUANGKUDAOQUYONGHUGERENXINXI,JIWANGMINZAOCHENGLEJINRONGZICHANHEGERENXINXIANQUANDENGDUOFANGMIANDEWEIHAI。”JIANGXINGPENGSHUO,ZAIZHEIXIEXIELUDEXINXIZHONG,ZUIRONGYIBEIWANGLUOHEICHANJITUANLIYONGMOULIDEJIUSHIGERENXINGMING、SHOUJIHAOMA、SHENFENZHENGHAOMAHEYINXINGKAHAO,ZHEISHIZHIJIEGUANXIZHANGHUANQUANDESIGEYAOSU。ZHEIXIEXINXIDADUOHUIBEICHUSHOUJIHEISHIZHONGDEZHAPIANTUANHUOHEYINGXIAOTUANHUO,YONGLAIJINXINGZHAPIANHEEYIYINGXIAO,“HEIKETONGGUORUQINYOUJIAZHIDEWANGLUOZHANDIAN,DAOZOUYONGHUSHUJUKU,ZHEIGEGUOCHENGZAIDIXIACHANYESHUYULIBEICHENGWEITUOKU。ZAIQUDEDALIANGYONGHUSHUJUHOU,HEIKEHUITONGGUOYIXILIEJISHUSHOUDUANQINGXISHUJU,BINGZAIHEISHISHANGJIANGYOUJIAZHIDEYONGHUSHUJUBIANXIANJIAOYI,ZHEITONGCHANGBEICHENGZUOXIKU。ZUIHOU,HEIKEJIANGDEDAODESHUJUZAIQITAWANGZHANJINXINGCHANGSHIDENGLU,JIAOZHUANGKU”。

JIANGXINGPENGSHUO,YINWEIHENDUOYONGHUXIHUANSHIYONGTONGYIDEYONGHUMINGMIMA,“ZHUANGKU”YEKEYISHIHEIKEHUODEYONGHUZAIDUOGEPINGTAIDEZHANGHAOMIMA。ZUIHOU,HEICHANRENYUANHAIHUIBADUOGEBUTONGLEIXINGDESHUJUKUZHENGHECHENG“SHEGONGKU”。SUIZHE“SHEGONGKU”DERIYIWANSHAN,DALIANGWANGLUOYONGHUDEYINSIXINXI、SHANGWANGXINGWEIYIJIYUGERENJINRONGCAICHANANQUANXIANGGUANDESHUJUBEIZHONGXINZHENGHE,DUOWEIDUDEHAILIANGXINXIRANGYOUQIANGZHENDUIXINGDEJINGZHUNSHIZHAPIANCHANGJINGPINXIAN。

核心问题:技术之痛

疯狂赛车官网CHUCIZHIWAI,HAIYOUYIDONGZHIFUANQUANDEJISHUANQUANWENTI。

疯狂赛车官网JINNIANYILAI,TONGGUOSHEJIAOWANGLUOPINGTAI、QIZHAAppRUANJIAN、EYIERWEIMADENGJINXINGZHAPIANDEANJIANPINFA,YIDONGZHIFUANQUANYIJINGCHENGWEIYONGHUZUIDANXINDEWENTIZHIYI。QUNIAN,YINLIANLEIJIXIEZHUGONGANJIGUANCHABANANJIAN3.18WANJIAN,QIZHONGSHEJIYINXINGKAYUE92.36WANZHANG,JINE4582YIYUAN。

疯狂赛车官网“JISHUWENTISHICUNZAIANQUANYINHUANDEZHONGYAOYUANYIN。”QINGHUADAXUESHUJUKEXUEYANJIUYUANERWEIMAANQUANZHONGXINFUZHURENSHENWEISHUO,“SAOMAZHIFUDEERWEIMAMAZHIYOUGUOJIABIAOZHUN,MUQIANWOMENSHIYONGDEQRMASHIGUOJIBIAOZHUN,YESHIWOGUODEGUOJIABIAOZHUN。JISHUSHANGSUIRANYIJINGYOULEGUOJIABIAOZHUN,DANERWEIMAZAIYINGYONGSHANGHAIMEIYOUXIANGYINGDEGUIFAN。GONGKAIDEERWEIMAWURENJIANGUAN,QIEZHIFUQIANDEERWEIMAGUANLIQUESHI,ERJIANGUANQUEWEIDEYUANYINZAIYUQUESHAOJISHUSHOUDUAN。

“SHOUJIMUMABINGDUSHIYIDONGZHIFUHUANJINGZHONGZUIDADEDULIU,QIZHONGZHIFULEIBINGDUXINGWEIZHONGZHANBIBIJIAODUODEWEIZHIXINGFANSHE,YEJIUSHIHEIKEWEILETAOBIFANBIANYI,TONGGUOMOUZHONGYINZANGFANGSHILAIDIAOYONGMOUXIEAPIJIEKOUDEXINGWEIMOSHI。QICISHIYINSISHUJUYEJIUSHISHOUJIXINXISHANGCHUANZHANBIBIJIAODUO。TONGSHI,XUDUOZHIFULEIBINGDUHAIHUIJINGMOLIANWANG、JINGMOSHANCHUHEFASONGDUANXIN,ZHUYAOSHIJIANGYONGHUDEYANZHENGMAXINXIZHUANFADAOLINGYIZHONGDUAN,CONGERSHIXIANYINXINGKADEDAOSHUA。”JIANGXINGPENGSHUO,LINGWAI,DIAOYUWANGZHANYESHIWANGLUOHEICHANQIEQUYONGHUXINXIDEYIGEGUANYONGSHOUDUAN。SUOWEIDIAOYUWANGZHANJIYUMINGHEYEMIANDOUHEZHENGCHANGWANGZHANFEICHANGXIANGSIDEJIAWANGZHAN,TONGCHANGHUIMOFANGYINXINGHUOZHEDIANXINYUNYINGSHANGDEGUANFANGWANGZHAN,YOUDAOYONGHUZAIDIAOYUWANGZHANSHANGSHURUGERENXINXI。

JINRI,MOUSIYINGQIYEFUZERENCHENANZAIBUFAFENZIMIHUOXIAXIELULEZIJIDEMOUZHIFUJIGOUFUKUANMA,DUIFANGZHISHIJIANGFUKUANTIAOMASHANGDESHUZIFAGUOQU,ZHIHOUCHENANDEZHIFUZHANGHULIKEBEIHUAZOU499YUAN。CHENANSHUO,ZHAOKEFUTOUSUHOU,ZHIFUJIGOUZHISHUOHOUTAISHENHE,RUGUODUIFANGZHANGHUCUNZAIFENGXIAN,HUICAIQUDONGJIEZHANGHUDESHOUDUAN。“DANXIANZAIJIGEYUEGUOQULE,BUJINDUIFANGZHANGHUMEIYOUDONGJIE,BEIPIANDEQIANKUANYEMEINENGYAOHUILAI”。

“ERWEIMAFANZUIYINBIXINGQIANG、CHUANRANXINGKUAI,DANDIANZIZHENGJUHUOCUNKUNNAN,XIANGGUANGUIDINGBUJIANQUAN,WEIQUANCHENGBENGAO。ZHIZUOHEFABUDESHISHIZHUTIHEZERENCHENGDANZHUTINANYIMINGQUESUODING,ZENGJIALESUSONGDEBUQUEDINGYINSU。”BEIJINGLVSHIZUOSHENGGAORENWEI。

YIWEIWANGLUOANQUANCONGYERENYUANCHENG,JINNIANLAISHEJIERWEIMADEANJIANHENDUO,QIZHONGBAOKUOFEIFAHUOQUGONGMINXINXI、ZHAPIAN、DAOSHUADENG。DUIYUXIANGERWEIMAZHEIYANGDEXINXINGJISHUZAIDUOLINGYUDEYINGYONG,XIANGGUANJIANDUGUANLIBUMENHAIWEICHUTAIJIAOWEIYOUXIAODEGUIZHANGHEJIANGUANJIZHI。

DUICI,YINLIANJINRIFABUYIZEANQUANTISHICHENG,SUIZHEJINGJILINGYUFANZUIHUODONGRIYIFUZA,JINRONGZHIFUWEIFAFANZUIHUODONGCENGCHUBUQIONG,BINGCHENGXIANCHUJISHUHANLIANGGAO、CHUANBOSUDUKUAI、KUAJINGKUAWANGLUOSHISHIDENGXINTEDIAN。WEIFANGFANGELEIXINXINGQIZHASHOUFA,XIAOFEIZHEXUYAOZUOHAOANQUANFANGFAN,YANGCHENGJINSHENSHANGWANG、CITIAOKAYAOHUAN“XIN”YIJIRENZHENKANQIANGOUDANDENGHAOXIGUAN。

【BIANJI:ZHOUCHI】

责任编辑:ERM523

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