■This reporter trainee reporter Liu Meng
In recent years, mobile phones, as mobile wallets, are loaded with investment, shopping, travel, social and other types of apps. It is inevitable to bind one or several bank cards when paying. Due to the faster and faster iterations in various industries, When a user uninstalls an app that is no longer used, those bound bank cards naturally need to be untied.
However, a recent investigation by the Securities Daily reporter found that a number of popular apps have the problem of 'binding the card is easy to untie.'
Part of the mutual gold platform
Untied bank card unbinding function
Mr. Gao told the "Securities Daily" reporter that two years ago, he purchased a number of wealth management products on a mutual gold platform, and now all of them have expired, and the income and principal have been obtained. Due to his recent renewed investment plan, In the future, I don't want to invest in the platform. Mr. Gao wants to unbind the bank card and cancel the account. However, Mr. Gao did not find the 'unbundle' option on the platform mobile client and website pages.
'There is only the function of replacing the bank card, there is no option to untie.' Mr. Gao told the "Securities Daily" reporter, 'I tried to untie it many times, contacted the customer service, the customer service said that there is no unbinding function, it is recommended to replace one. Zhang has no bank card. '
In response to Mr. Gao’s breaking news, our reporter contacted the above-mentioned mutual gold platform. The customer service staff responded that: 'The function is not online, and the bank card cannot be untied.'
The "Securities Daily" reporter immediately asked, 'The platform is a real name registration, ID card, mobile phone number and bound bank card. This information has been displayed on the account. I am worried that there are security risks, my heart is not practical, is there any other solution? ' The advice of the customer service staff is still 'changing a bank card without money'.
When the "Securities Daily" reporter questioned - 'the platform function design is flawed, can not be untied is the overlord clause', the above customer service staff said: 'I can send the technical department's mailbox to you, you write in the mail At the same time, upload the front and back scan of the ID card, the photo of the personal hand-held ID card and the front and back of the bank card that is currently bound, and see if there is any way for the technical department to solve it. However, no customer has proposed to our company. The demand for untied bank cards is estimated to be unresolved. '
In order to understand the attachment of a bank card, and then upload more personal information, and may not be able to 'unbundle', the solution of the above platform is not acceptable.
The "Securities Daily" reporter searched for keywords such as 'bank cards can't be untied'. It is not only this platform that finds this problem. In many forums, investors have reflected similar problems. From the message, investors Mainly worried about the security of funds and personal privacy issues.
Some netizens said, 'The financial platform is different from other life apps. If you don't use it anymore, the bank card can't be untied, and the security risks are bigger.'
In fact, there is no technical problem with the launching of the bank's 'unbundling' function. At present, there are several mutual gold platforms that have been launched. Users can choose to change bank cards or unbind bank cards according to their needs.
Multiple popular mobile apps
Bank card unbundling difficulties
The "Securities Daily" reporter found that there are many mobile phone applications that are easy to untie and tie.
'Untieing difficulties' is generally divided into three situations: The first case is that there is no online 'unbundling' function; the second case is that the line cannot be untied, and the materials provided under the line can be untied by the background technician; In three cases, it can be untied online, but the process is cumbersome, and it is difficult to find the 'unbundle' option in the function menu without consulting the customer service.
Taking a popular travel software as an example, the "Securities Daily" reporter found that many users in the mobile phone application comment area raised a similar issue of 'unbundling difficulties'. The "Securities Daily" reporter downloaded the app for the experience, according to the process bound one Credit card.
However, after the reporter binds the credit card, no option to 'unbind' is found in the balance, deduction and other interfaces.
The "Securities Daily" reporters checked the registration agreement and found two terms: First, the loss of mobile phone terminal is stolen, the risk is borne by the user; Second, Party A (user) agrees with Party B (software party) to disclose, including but not limited to Party B's The agreement is to disclose to any third party using Party A's information and materials.
This means that, regardless of the security of funds or privacy, once the bank card is bound, the user is in a passive position. At the same time, even if the user no longer uses the software, the risk will always exist.
In another travel software, the "Securities Daily" reporter called the customer service telephone consultation for the problem of not being able to untie the bank card. The customer service staff replied after understanding the needs of this reporter: 'Our software can be untied, open the software Select My - My Wallet - Debit Channel - Close the payment function, then return to my wallet, click on the balance - set the password and then return, select my wallet - balance, you can see the bank card, click on the bank card will pop up The dialog box says 'Delete bank card?' and you can unbind it. '
The "Securities Daily" reporter found that it takes 12 steps to untie the bank card. Not only is the process lengthy, it is generally impossible for the user to find the path without guidance.
According to the “2017 Mobile Payment Security Survey and Analysis Report” issued by China UnionPay, the percentage of users who do not release the bank card binding when deleting the mobile application APP is as high as 49%, and this detail will increase the risk of theft of personal payment accounts. When the user deletes the mobile application APP, the bank card binding is not released. In addition to forgetting the operation, the difficulty of unbinding is also one of the important reasons.
However, in the investigation process of the "Securities Daily" reporters, I also saw a lot of application software constantly improving various functions. Among the many popular software selected by the reporter for the survey, there is a software that happened to be updated yesterday. Version, new version shows 'added account logout function and unlock bank card binding function'.