Is it reasonable to raise the small secret exemption limit of UnionPay card to 1000 yuan by default？

　　Beijing, June 1 ST (Reporter Qiu Yu) Is there a word "flash payment" written on your bank card? If there is, you should pay attention. Starting from today, the single limit of small amount of confidentiality and visa exemption for UnionPay cards will be raised from 300 yuan to 1000 yuan.

　　The reporter’s investigation found that many people don’t know that the bank "defaults" to open the function of small amount of confidentiality and visa exemption. What is a small amount of confidentiality and visa exemption? Is it reasonable for banks to open by default? Can I get compensation if my brush is stolen?

　　What is a small amount of confidentiality and visa exemption?

　　Simply put, this is a kind of "pay with one stroke" payment experience. Within a certain amount, you can complete the payment without entering a password and signature.

　　Unionpay’s small confidential exemption visa was launched by China UnionPay in 2015, which is convenient and efficient.

　　Which bank cards have this function? According to the announcement issued by UnionPay, cardholders need to use UnionPay chip cards or mobile payment devices with "flash payment" function. In other words, the magnetic stripe card cannot enable this function.

　　The single limit was raised from 300 yuan to 1000 yuan.

　　According to the announcement issued by UnionPay, starting from June 1, 2018, China UnionPay will jointly optimize the function of "small-amount confidential exemption and visa exemption" with member institutions. At that time, the single limit of small-amount confidential exemption and visa exemption for UnionPay chip debit cards and credit cards will be raised from 300 yuan to 1000 yuan.

　　The reporter consulted a number of banks on May 31 and found that many banks have raised their quotas.

　　According to the customer service staff of CITIC Bank in Beijing, the single consumption amount of small-sum confidential exemption and visa-free is no more than that of 1000 yuan, and the cumulative consumption amount of a single card per day is no more than 3,000 yuan.

　　Bank of China, China Merchants Bank, etc. have issued announcements in official website to increase the quota, announcing that the single quota for small-sum confidential exemption will be raised from 300 yuan to 1000 yuan.

　　Generally, the function is "default".

　　You can pay by credit card without password, which makes many people worry about the security of bank cards. Then, when opening this function, did the bank get the consent of the cardholder?

　　According to the information of UnionPay official website, small-sum confidential exemption and visa-free is a mature payment method in the world, and it is also the basic function of the default opening of bank cards, which makes cardholders pay more conveniently and quickly.

　　According to previous media reports, Cardo, a newly-developed UnionPay chip in most banks, has opened a small amount of confidential and visa-free payment service by default, but the opening of this service does not require the prior consent of the cardholder.

　　To this end, the reporter consulted the customer service staff of China Bank, Industrial and Commercial Bank of China and other banks in Beijing, and was told that this function is enabled by default, but cardholders can apply to close it.

　　According to the information disclosed by UnionPay official website, if the cardholder wants to turn off this function, he can contact the issuing bank to turn it off. At present, most issuing banks have supported the turn-off function.

　　Is the "default" opening reasonable?

　　"If the bank sets the small amount of confidential and visa-free payment function as the default, there is a problem in the procedure." Li Jiquan, a senior partner and lawyer of Beijing Junbang Law Firm, said, "Users have the right to know and choose. Banks should fully and effectively inform users of relevant contents and risks when opening the above functions, and let them sign for confirmation. "

　　Li Jiquan pointed out that the decision of the bank to raise the payment limit needs to be made known to the cardholder himself. In this way, the cardholder can realize the possible risks when the bank card is held by others.

　　Xiong Dingzhong, secretary-general of Tsinghua University Internet Law and Policy Research Center, said in an interview with Zhongxin.com that opening the secret-free function will indeed bring convenience to users, but it will also increase users’ risks. This kind of service should be specifically informed separately in the format contract between the user and the bank, just as the bank can’t open the U shield payment function by default.

　　If this function has been enabled by default, Liu Junhai, director of the Institute of Commercial Law of Renmin University of China, believes that banks can tell users about the small-sum confidential and visa-free payment function by SMS, and if users disagree, they should be able to cancel it at any time.

　　If the brush is stolen, you can get compensation

　　Several users who hold bank cards with flash payment function said that they did not know that the bank card had been opened with the function of small secret-free and visa-free payment. While pursuing convenience, how to ensure the safety of using the card has become the most concerned issue for consumers.

　　Considering the security of bank cards, in order to enhance the cardholder’s confidence in using the card, UnionPay pointed out in the announcement that for the loss caused by card theft and loss, if the compensation conditions are met, the cardholder can get compensation within a certain amount within 72 hours before reporting the loss.

　　According to the information of UnionPay official website, if a small amount of confidential and visa-free transactions are stolen within 72 hours before the loss is reported, you should call the customer service of the issuing bank as soon as possible after the loss is reported, and apply for compensation according to the process of the issuing bank. The application materials to be provided by the cardholder generally include the cardholder’s identity certificate, the UnionPay card transaction denial statement, etc. After the application materials are approved, the compensation funds will generally be returned to the account designated by the cardholder within 10 working days. The payment time limit of different issuing banks is different.

　　In this regard, Li Jiquan believes that if the customer is in a known state for opening a small amount of confidential and visa-free payment function, then the compensation within 72 hours is a supplement to the contract between the two parties; If the customer doesn’t know about this function, it can only be said that it is a remedial measure for the bank’s own behavior.

　　Liu Junhai said that "compensation can be obtained within a certain amount" is rather vague, and suggested that it should be changed to "full compensation", which is the key to enhance the confidence of cardholders and can relieve users’ worries about the safety of using cards. (End)