Customer Data Leakage Is Quite Serious. Consumers' Rights Protection Needs Attention.

　　 Online shopping information Dozens of people confirmed the truth.

According to the clue provided by a salesperson of a third party Fortune Management Inc in Shanghai, reporters recently used QQ group to search functions, searching for the key word of "telephone sales", and finding about 200 QQ groups with "data exchange" function. Search for "bank data", involving up to hundreds of people and at least 30 active transactions. According to introduction, these are the black market of credit card information transaction.

In one of the QQ exchange groups called "telemarketing data source", the reporter acquired the "bank credit card customer data" for a trial seller quickly from the seller's place as a buyer. In this data, 200 customers of various commercial banks, such as workers and peasants, established diplomatic relations, are listed, including cardholders' names, mobile phones, home addresses and bank accounts.

The reporter dialed a phone call from one of the cardholders in Hefei, Anhui Province, and confirmed that he had applied for a Pacific Credit Card at a Sales Department of the Anhui branch of the Bank of communications. Other information on a street in Hefei and in the city's tourism bureau is also consistent with the identity certificate provided by me. After confirmation by telephone, dozens of cardholders in ICBC and Construction Bank also indicated that the leaked customer information was real and effective.

　　 Price The lowest score is 2 points and the highest is 5 yuan.

Reporter survey found that in WeChat and some e-commerce platforms, "telemarketing exchange circle", "sales industry information group" also exist in large numbers. A number of "information dealers" have indicated that they can "customize by region and try to pay later." In addition, according to the "quality" of personal information, the price is divided into "three hundred sixty nine equal", each price ranging from 2 cents to 5 yuan.

For example, the latest credit card account data are sold at 0.5 yuan; the second-hand data that has been sold once can be reduced to 0.35 yuan each; some high-end customers, such as gold and platinum card holders, are priced at up to 5 yuan per card. With the help of Internet chat and payment tools, buyers can get the information from the order, and the transaction takes only a few minutes.

A group of WeChat sellers claiming to be from Hebei said that the main buyers of the information were telemarketing staff such as precious metals, trust and other financial institutions. Only his group has more than 400 people to negotiate business every day. "The higher the price of the phone information, the less expensive it is, the cheapest one is 2000 yuan and 100 thousand yuan, and it costs only 2 cents per data."

　　 Ghost selling Bank Be ordered to rectify

A commercial bank shall not use customer related information for other purposes other than the credit card business of a bank unless authorized by the customer. Reporters found that the various provisions have repeatedly become "empty paper", resulting in a large number of customer information was leaked: the bank "ghost" reselling insider, each personal information is submitted to the bank, through branches, branches, credit card centers and many other links, many hands.

In the case of sales and customer information seized by Shanghai judicial organs in recent years, ICBC employees and sub branches of Agricultural Bank of China have also become the source of selling information.

The bank transferred to the "cooperative company" reporter as a card holder, visited the five major business departments of the establishment of diplomatic relations between the workers and peasants, and the standard credit card application contracts showed that personal information was not only used by banks, but also used for cooperative enterprises to promote business and share information with joint merchants. According to the central bank Shanghai branch bulletin, Jiangsu bank Shanghai branch has 32 thousand customers' personal credit information disclosed to the third party financial institutions, was ordered to rectification.

The "exceptions" of confidentiality commitments allow consumers to acquiesce in the transfer without knowing it. It is understood that the contracts for handling credit cards are basically their own versions of banks, and there is no uniform format contract. There is no provision in the contract whether banks should undertake information confidentiality and how to make use of customer information. Many consumers reflected that the forms filled with cards were too dense to read every clause carefully.

In fact, the words "sharing personal information" with partners such as insurance, supermarkets, websites and so on are often placed in the contract. "Consumers often authorize to change their information without knowing the truth. If the consumers who are leaked information want to catch up, these exemption clauses become a shield." Xu Feng, partner of Shanghai Huarong law firm, said.