银行卡被通过翼支付+盗刷。大家看看翼支付是怎么处理的!

楼主:梦之彼方2016 时间:2016-05-03 22:57:00 点击:6234 回复:10
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  银行卡被通过翼支付+盗刷
  一、盗刷经过
  2016年4月17日早上,我起来发现手机收到多条由翼支付(11888)发来的充值短信,时间是在凌晨1点左右,肯定不是本人操作,然后打开翼支付APP,查询充值记录,发现没有,翼支付内有300多元的余额也还在,于当天早上9:18致电翼支付热线(4008011888)咨询,得到的答复是:可能系统出问题了,将别人的充值短信发送到我的手机上了,他们会处理的,让我等待处理结果。9:38分,又打我电话,问我是翼支付充值短信还是翼支付+(交费易)的,我回答说,短信提示说是翼支付的(短信见附图),然后将短信内容给客服念了一遍,客服说会交给相关部门处理的,之后就没回音了。
  4月18日早上,我又收到了翼支付发来的充值短信,起疑惑的我登录手机银行APP查询,发现银行卡(邮政储蓄,卡号:6221883350008070622)内约12000的余额不翼而飞,马上打110报警,110告知,在查清被盗事实后在报警,然后我查询翼支付APP,账户内300多余额还在,也没有订单记录和充值记录,当再查询翼支付+APP时,才发现有约16笔交易记录,都是用来充值电话费(13720954699,13835557341,15735548052,15735536328,14703559287,18734493601)以及电子售卡和一笔游戏充值,金额大约是12000左右,才发现到被人利用自己的翼支付+账户刷光了银行卡内的钱。马上致电翼支付热线和邮政储蓄热线反映被盗刷,并报警。
  二、各方反映
  1.警方过来详细了解事发经过,做了笔录,说会回去立案调查。
  2.邮政储蓄回复说,要查被盗刷,只有警察在有相关手续的条件下才能查,本人无权调查,也就是他们没有警察出面的情况下,是不会处理的。
  3.因为是通过翼支付盗刷的,所以我只能找翼支付处理。翼支付客服在接到我的报案后,冻结了我的翼支付+账户,并要求我将相关材料寄给他们。我按照他们要求,于第二天(4月19日)将相关材料通过E-MAIL和快递的方式寄给翼支付,并补充齐了所有的材料,之后翼支付一直回复,在处理,让我等待而没有如何实际的答复或者结果。
  三、看看翼支付被盗刷时,他们的相关理赔条款。
  翼支付账户被盗处理流程
  1.服务渠道:4008热线→按“0”人工服务→按“4”账户挂失及被盗被骗,专席人员处理账户盗刷处理;
  2.处理流程:
  (1)核查盗刷交易情况,指引用户报案、采集和保留证据;
  (2)客服将收齐用户材料转翼支付风控进行审核;
  (3)经风控核实被盗原因,认定用户无责且盗用金额在800元以内的,将通过审核流程在7个工作日内补偿给用户;
  (4)经风控核实被盗原因,认定用户无责且盗用金额超过800元~1万元的,将通过审核流程在15个工作日内为用户进行处理;
  (5)经风控核实被盗原因,认定或有理由怀疑用户存在过失或者道德欺诈的,将不予补偿或视欺诈程度向警方报警追究其欺诈行为;
  (6)盗用金额数额较大(超过1万元),风控将视情况待警方立案侦察确定责任后,予以相应的处理措施;
  (7)凡经支付公司先行赔付的,支付公司保留一切对赔付资金的追偿权力。
  3.理赔说明: 翼支付理赔不是无条件理赔,客户使用翼支付业务发生风险经过翼支付风控核实,客户无责的将考虑予以理赔,如客户存在过失,则客户自身责任部分造成的损失不予理赔;客户被诈骗导致翼支付账户资金损失的,须求助公安机关挽回损失,翼支付不承担客户被诈骗而产生的损失。

  可以看到,翼支付是有被盗刷时相应的处理措施的。但是处理流程的第六条,当数额超过1万元时,没有明确的说明如何处理。
  四、疑问
  1.翼支付+的交易模式本身有安全隐患,在翼支付+绑定了银行卡后,只要知道了登录密码和支付密码的情况下,不需要通过银行验证就可以将银行卡内的钱转移到翼支付+账户进行交易,这个可以从盗刷者对我的翼支付+账户充值情况可以看出,最后几笔,因为银行卡余额不足而充值失败,说明盗刷者是没有取得我的银行卡信息的,只是取得了我的翼支付+的账户操作权限。
  2.我的翼支付+的账户是如何被盗的?首先,被盗刷当日,我的手机收发短信的功能是正常的(见附图),我手机上还有其他账户(支付宝、翼支付、京东等等)都没事,只有翼支付+账户被盗,所以说我手机中木马被盗说不通。而这个翼支付+账户我除了这个上进行过几次小额交易(每笔不超过20元)外,几乎就没怎么用过,只是单位要求开通才开通的,翼支付+的门户网站就更加不用说,我被盗刷之前根本就不知道这个网站的存在,所以也不可能是我通过电脑中木马被盗,所以,我有理由怀疑翼支付+本身有安全漏洞,而我刚好是这个漏洞的受害者(我反映被盗刷后没几天,翼支付就停机维护并对翼支付+客户端进行了更新)。
  3.我第一天致电翼支付热线反正充值短信的事,为什么他们不告诉我这些短信充值是翼支付+的,而不是翼支付的。为什么充值短信显示的是你的翼支付账户,明明是翼支付+账户,如果早一天发现,至少可以减少损失。这个责任是谁的?当然,我自己没去仔细查翼支付+账户,而拘泥于短信提示的翼支付账户,也是我的疏忽。
  4.一个几乎不怎么用的翼支付+账户,历史交易每笔最多不超过20元的账户,突然在半夜里异地登陆,然后进行大量的交易,直到满限额,而且连续2天,直到用户告知前,你们翼支付居然一点反应也没有的?你们的安全系统,风控都是要来做什么的?这个责任是谁的?不要告诉我你们没有账户异常交易的检测机制!
  5.被盗刷事件发生后,翼支付的处理态度实在是让我失望至极。一开始,我觉得这么大个第三方支付公司,而且有他们的相关被盗刷的处理流程和理赔措施的,我在不可能寄希望于银行和警察的帮助下,还以为翼支付会担当的,结果却是:第一告诉我,24小时后会告诉我处理结果的,24小时过去了,没有回音;再次致电翼支付热线,告诉我48小时会有处理结果的,48小时过去,依然无回音;再次致电热线,这次是信誓旦旦的说,72小时之内,一定会有商家联系我协商退款事宜的,结果也是不出所料的毫无回音;最后再次致电热线,这下干脆时限都不给了,就是说商家在处理,怎么处理的,何时有结果一概不知,你们翼支付就是这样忽悠客户的吗?还是说你们自己也不知道怎么去处理被盗刷事件?还是说这种被盗刷事件你们翼支付毫无责任的,跟你们没关系?为什么我的钱被通过翼支付盗刷了,要我跟商家协商退款?追回客户被盗刷的钱,不是你们翼支付的责任?你们的理赔机制是给没有被盗刷的用户看的吧?一旦被盗刷了,这个机制就是不存在的对吧?
  五 翼支付的回复
  翼支付最后的处理是:他们查了,他们那边没问题(你们有问题,你们也不能承认的,对不对?),因为我修改过账户的登录密码和支付密码,所以怀疑是我的原因引起账户被盗的(这个我也无法确定,如果你们认为是我的原因,请拿出确实的证据,不要把皮球踢给警方!)所以不会进行理赔。大家说说看,有几个人在使用翼支付的会不修改密码的?按照这个理论,几乎全部的盗刷你们都可以推脱了!下次是不是说,你申请翼支付账户的时候中木马泄露了密码,你们也不会负责的?对你们这种不负责的态度,实在是让人失望!

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作者:岌岌苛微 时间:2016-05-04 17:02:22
  现在的网银也很普遍,系统要安装好安全软件。
作者:宋鸽子安 时间:2016-05-29 09:42:04
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作者:宋鸽子安 时间:2016-05-29 14:55:25
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作者:byanto16152 时间:2016-05-29 16:59:57
  支亲矿话里
作者:孤狼千里独行 时间:2017-07-19 16:08:40
  使用翼支付有风险,有被盗刷及代扣的现象。我也被坑了。虽然申诉回来了,但是给我留下伤害。再也不用了。

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