“隔空盗刷”将全额赔付！银联回应闪付风险 这些操作可关闭功能
银联回应闪付风险。日前，“3·15”晚会曝光了银联银行卡默认开通“闪付”功能，指其存在被盗刷风险。一时间，“隔空盗刷”风险再次引起民众担忧。
16日，银联立即发表声明回应闪付便捷又安全，称“隔空盗刷”是极少数个案，且是公安机关重点打击的犯罪行为，如若发生盗刷，支持风险全额赔付（持卡人挂失前72小时内全额赔付；超过72小时经确认为盗刷损失的，也将获得全额赔付）。
“隔空盗刷”近几年常出现在大众媒体报道中，但若没有解释清楚该项技术，反而会无意中放大了事件的危害性，也容易引起民众恐慌。
据测试，具有“闪付”功能的银行卡在消费的时候，不用输入密码、不用签字，只需要将卡片靠近POS机就能迅速完成交易。小额双免是一项行业规则，在国际国内已成为发展趋势。
业内人士指出，“隔空盗刷”不仅发生概率低，由于有单笔1000元的限额，可获取的资金少，且属于违法行为，对违法犯罪分子来说，吸引力不大。此外，如若用户不习惯可自行选择自主关闭或者恢复。
大多银行在办理银行卡时默认开通“闪付”功能，一些网络卖家利用其他产品信息作掩护，在网上可以购买到支持银联免密支付的POS机，将这种从网上购买的POS机与银行卡间隔5厘米，即便将带有闪付功能的银行卡装入外套口袋，放入包内口袋，在不用接触卡片的情况下，都可以成功完成支付。
为了方便用户更快捷简单地进行支付，用户在一些消费交易场景属性强的平台，比如各大电商平台，本地生活平台美团、出行叫车服务平台滴滴，甚至共享自行车平台摩拜，一旦产生资金交易、进行支付环节都会被提醒，“是否开通免密支付”。
那么，“闪付”功能能关闭吗？按照银联的说法，持卡人可以联系发卡银行，通过客服电话或柜面方式来关闭小额免密免签业务。另外，部分银行的手机App也支持关闭小额免密功能。一些用户通过互联网产品如美团、滴滴绑定了小额“双免”的功能授信，可以在APP进行解除。比如美团“闪付”解绑，可以点击进入“我的”—“闪付”—“闪付卡管理”进行操作。
对于安全性，银联技术团队这样解释：1、金融芯片具有高安全性；2、特定商户经过严格筛选，也就是说确保用卡环境安全可靠；3、单日累计免密限额一般在3000元以内（各发卡行有差异），交易额度风险可控；4、交易数据配备智能风控技术，可高效识别可疑；5、风险全赔付，挂失前72小时内被盗刷金额全额赔付。
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