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■扶 青
近年来,电信诈骗案件层出不穷,各大移动支付平台纷纷推出“延迟到账”服务。不过,有消费者反映,设置“延迟到账”后,仅能延长到账时间,无法撤销转账钱款。且在明确知晓收款方是骗子的情况下,转账者想要在“转账—到账”时间段内追回钱款,也困难重重。对此,有人质疑:设置“延迟到账”功能意义何在?
为消费者提供“延迟到账”选项,大背景是电信诈骗案件频发,需要给转账者预留时间,以应对转错账或者被骗转账的特殊情况。该措施见于央行《关于加强支付结算管理防范电信网络新型违法犯罪有关事项的通知》:“自2016年12月1日起,银行和支付机构提供转账服务应当向存款人提供实时到账、普通到账、次日到账等多种转账方式选择,存款人在选择后才能办理业务。”但具体到撤销转账方面,只规定“个人通过自助柜员机(含其他具有存取款功能的自助设备)转账的,发卡行在受理24小时后办理资金转账,在发卡行受理后24小时内,个人可以向发卡行申请撤销转账”。可见,如果将“延迟到账”和“撤销转账”视为防范金融诈骗的两个必要步骤,所有支付机构都支持“延迟”,那为什么只有ATM机转账支持“撤销”呢?这种设计看似不合理,但在具体运作上却最大程度尊重了现实需要。
不难看出,新规是一种兼顾市场效率和社会正义的暂时性方案,既能有效防范一些通过ATM机施行的诈骗,也保障了人们通过其他支付手段进行及时交易的权利。回到问题之初,一些移动支付平台提供的“延迟到账”只有延时功能,看起来作用不大,但实际上丰富了消费者的选择,也提供了容错和反应的时间。它所延伸出的功能意义,更在于敦促平台投入更大努力,保障消费者的资金安全。首先,要明确支付平台不可能推出“撤销权”,但消费者可以通过和对方协调、向客服投诉等手段,追求将损失降到最低;其次,要正视网络交易的复杂性,通过完善技术服务、客户服务等保障交易安全,比如识别金融诈骗,对非好友关系转账进行提醒,重视消费者举证和处理责任,以及推出一些商业类的财产安全险,等等。
无论如何,消费者对于“延迟到账”功能持有疑问,根本原因在于一些电信诈骗案件仍时有发生,金融安全也有待进一步提高。面对这个问题,寄望于申诉、协调等事后处理的同时,我们也应该努力提高自己的判断能力、防范意识,学习一些基本的金融知识,了解某些金融诈骗的手段和形式,做到未雨绸缪,防患于未然。
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