In the communication with Shanghai Hanyin Company, depositors were told that their withheld 20 yuan or 10 yuan was used by Hanyin Company to purchase Tencent Q coins.
The so-called Q coin is a virtual currency introduced by Tencent, 1q coin = 1 RMB, which can be obtained by telephone recharge and bank card recharge.
You can buy various virtual goods for yourself or your friends in QQ Mall, such as clothes, scenes, makeup and so on.
In QQ games, using Q coins can not only exchange game coins, but also buy various privileges in the game. Q coins can be transferred to others at a discount, or they can be realized by private transactions.
The customer service staff of China Construction Bank suggested to the depositors that they should either close the account and let the depositors open the account again, or go to Hanyin Company; Hanyin Company thinks that they only charge Q coins according to the instruction of CCB and have no responsibility.
Both CCB and Hanyin Customer Service require depositors to call the police. Some depositors did report to the local police station.
Although the public security organs can call the police, the loss of a single informant ranges from tens to hundreds of yuan. As far as a single case is concerned, it does not meet the conditions for filing. Therefore, public security organs cannot file a case for investigation.
As a result, there is such an embarrassing situation, and depositors are still inexplicably deducted. It seems that no one can solve this problem.
At present, many banking businesses have implemented the practice of deducting money after verification by verification code, which can be confirmed by depositors themselves before deducting money. The reason why depositors' deposits were stolen like this is that there are loopholes in some business verification links of CCB.
Using financial instruments to protect accounts and passwords is the primary responsibility of depositors and the common need to safeguard their own rights and interests and financial order. Savers can't push all these obligations onto society.
On the other hand, relevant institutions have more resources and greater strength, and should also provide more support and guarantee for protecting the legitimate rights and interests of the masses. They should not sit idly by and watch the interests of users suffer because of their flawed behavior, and forget their responsibilities.
In the final analysis, if we want to eliminate hidden dangers and avoid making mistakes again, we need Qi Xin to make concerted efforts to plug loopholes, instead of just staring at other people's problems without reviewing our own.
reference data
Focus interview. Internet TV station of the Central Court [quoted at 20 18- 1-25]