Hand pay "bottomless pit": 14 years old children 1 month cost 130,000 yuan-hand, paying-IT information
He Yongchun Guiyang people for 14 years old son green mobile phone (not his real name) spent a month later, bank card deposits less bound to cell phones by more than 130,000 yuan. After alerting, auditing an ordeal, she realized that money son passed over more than 120 deals, purchase 3 mobile game props.
Why seemingly ordinary mobile phone games have such a high cost? Why will produce baiyuci within one month pay? Why children can be easily completed online payment? He Yongchun believes that your children have poor monitoring side, but this series of questions are also worthy of attention.
Where did money go?
On September 3 this year, stunned by a message He Yongchun, text messaging shows your bank card was 153682.10 trillion yuan, compared to two days ago, the balance record, carry more than 37,000 fewer Yuan.
Bank cards have been on my own, own nearly two days and no credit card, Gary was how little money? He Yongchun was a text message scams, quickly rushed to a bank card's balance, and balance displayed on the message the same.
Where did money go?
He Yongchun rushed to the bank card account access your detailed transaction nearly a month and the result is more surprising. Transaction list display, from August 6 to September 2, the bank card balance from 288064.83 Yuan to 153682.10 Yuan.
In other words, in less than a month time, 134,000 yuan less in her bank card's balance. During this period, He Yongchun himself only with this bank card bought a 1615 phone and a 199 dress.
He Yongchun said that this money is not a small sum for himself, in May this year, the family got a house removal compensation, almost 130,000 yuan in the current temporary residence to pay for a small apartment housing down payments.
Carefully view Bill, He Yongchun found has doubts: bank card Shang one months within of spent almost are is to "Silver turned fiscal pay" of channel paid, these trading in the, small to 3 Yuan, big to 2850 Yuan, which, amount for 615.6 Yuan of trading number up to 36 times, amount for 2850 Yuan of trading also has more than 10 times, in Bill of end, even appeared has a pen one-time consumption has 15,000 yuan of records.
"Bank transfer money to pay" what pay channels? Money paid to where?
During the police investigation, son of green "stretched anymore," he admitted to the police, this is the paid channels for mobile games, money spent on playing games.
Minors are easily completed over more than 120 consumer
Knew young son playing mobile games spent 130,000 yuan a month later, He Yongchun incredible. But she can't imagine in Green's view of the situation "is very simple."
When I get green MOM phone, quickly download his favorite game, during the summer, most of it is his friends and play mobile games.
After three days of play, the green control roles begin to fail, the green heart "not calm", after losing a few times in a row he was a cruel, was took 615 Yuan to buy what they want to heroes role.
Green operation is not complicated, he wrote down his mother's bank card number, a bank card password is the mother set a common password, every time MOM on ATM machines to withdraw money, he will see this string of numbers. Payment interface in the game enter your card number and password and a verification code sent to the mobile phone, enter the Code Green, easily completed his first paid game.
MOM and fear of being found, green quickly remove the mobile phone receives SMS verification code and consumption.
Soon, green finds full game characters have a more "sophisticated" gear, unbeatable in the virtual world, opponents in the game are also constantly upgrading equipment, green began a competitor and the virtual world of "arms race".
"But refuses to accept the heart, Kari the money so much, a little less should not be perceived. "Green says, this is a fun game of mind.
After every recharge, new roles or equipment in the game so that he can be happy for a while. After the happy, Green said, I thought "after the parents do? "But soon was next to equipment and play the role of attracting and recharge again. Hands on tour "King of glory", green bought a total of 45 "Heroes" and 36 "skins" in the "Naruto", he collected 46 "Ninja", purchased a large "spiritualism".
In just one month, Green quietly recharge more than 120 times, bank debit SMS quick delete. Today, the green heart of guilt and remorse. He had wanted to sell your account on network platform, but to no avail .
Invalid purchase agreement shall be cancelled, but the burden of proof
He Yongchun worry, teenage son spent 130,000 yuan to come back?
As a long-term concern protection of minors ' rights lawyer, Deputy Director of China Association of minors Protection Committee Wai Yiu Yiu often encountered such a turn, in his view, the Green sale contract reached with the game operator is invalid.
Wai Yiu Yao explained said, according to China civil general contract method, legal terms related provides, 14 age of green belongs to limit civil capacity people, spent 130,000 yuan purchase network game equipment of behavior, obviously with age, and consumption capacity inconsistent, green of parents also does not recognized he of this behavior, so he and game business reached of sale contract belongs to effectiveness pending contract, its parents right to revoked this sale contract.
"And minors cannot buy real estate are the same way, his purchase is obviously not in his purchasing power. "Wai Yiu-Yiu said.
At present, China's games ratings system does not implement, many games did not set a threshold of different age groups, players can access and no restrictions. Games, players purchase without restriction.
In reality, parents to withdraw sales going back to games costs will not be easy to achieve. In June of this year, Qingdao citizens Mr Chen 7-year-olds play games more than 80 times, consumption of more than 30,000 yuan, says Mr Chen, the child is a minor, hoping games operators would take into account the fact that the rebate amounts, but was denied, how the spending behavior of proof rather than adult behavior, is the difficulty of going back to spending.
In fact, many similar incidents have caused parents to prove that is a minor cost nothing.
Wai Yiu Yiu calls for game operators have more play, in-game through technical means to protect minors, such as player with identity card numbers or identity and technical follow-up should be carried out in the background of the game, consecutive minors that may arise such as the big-ticket consumer purchases screened and reminders. "This is the protection of minors, protection for gaming businesses. ”
手游支付“无底洞”：14岁孩子1个月花费13万元 - 手游,支付 - IT资讯
贵阳市民贺永春把手机给14岁的儿子青青（化名）用了一个月后，与手机绑定的银行卡内存款少了13万多元。经过报警、查账等一番折腾，她才明白，这些钱被儿子通过120余笔交易，购买了3款手机游戏的道具。
为什么看似平常的手机游戏会有如此高的花费？为什么一个月内会产生百余次付费？为什么孩子可以轻而易举完成网络支付？贺永春认为，自己对孩子有监控不力的一面，但这一连串的问题也值得引起注意。
钱去哪儿了？
今年9月3日的一条短信让贺永春惊呆了，短信显示自己银行卡的余额为153682.10元，相比两天前的余额记录，卡里少了3.7万余元。
银行卡一直在自己身上，自己近两天也没有刷卡消费，卡里的钱怎么突然少了？贺永春以为遭到了短信诈骗，连忙赶到一家银行查询了卡上的余额，和短信上显示的余额相同。
钱去哪儿了？
贺永春赶到银行卡的开户行调取了自己近一个月的详细交易记录，结果更令人吃惊。交易清单显示，从8月6日至9月2日，银行卡内的余额从288064.83元人民币变成了153682.10元。
也就是说，在不到一个月时间里，她银行卡里的余额少了13.4万元。而在这段时间内，贺永春自己只用这张银行卡买了一台1615元的手机和一件199元的衣服。
贺永春说，这笔钱对于自己来说不是个小数目，今年5月，一家人得到了一笔房屋拆迁补偿款，这13万元几乎可以在目前的暂住地支付一套小户型住房的首付款。
仔细查看账单，贺永春发现了疑点：银行卡上一个月内的花费几乎都是以“银转财付”的渠道支付，这些交易中，小到3元，大到2850元，其中，金额为615.6元的交易数量多达36次，金额为2850元的交易也有10余次，在账单的末尾，甚至出现了一笔一次性消费了1.5万元的记录。
“银转财付”是什么支付渠道？钱支付到了哪里？
在警方的调查中，儿子青青“绷不住了”，他向民警承认，这是手机游戏的支付渠道，钱花在了玩手机游戏上。
未成年人轻易完成120余笔消费
得知未成年的儿子一个月玩手机游戏花了13万元后，贺永春难以置信。但她难以想象的情况在青青看来“十分简单”。
青青拿到妈妈手机后，很快下载了自己喜欢的游戏，暑假期间，这是他和小伙伴玩得最多的手机游戏。
玩了三天后，青青控制的角色开始不断失败，青青心里开始“不淡定”了，连续输了几次后他一狠心，花了615元买了自己想要的英雄角色。
青青的操作并不复杂，他记下了妈妈的银行卡卡号，银行卡密码是妈妈设置的常用密码，每次妈妈在ATM机上取钱时，他都会看到这串数字。在游戏支付界面输入卡号和密码，一个验证码就发送到手机上，青青输入验证码，轻松完成了自己的第一次游戏支付。
害怕被妈妈发现，青青快速删除了手机收到的验证码和消费短信。
很快，青青发现充了值的游戏角色有了更“精良”的装备，在虚拟世界中所向披靡，游戏中的对手也在不断提升装备，青青开始了和虚拟世界中竞争对手的“装备竞赛”。
“打不过心里就不服，再说卡里的钱那么多，少一点应该不会被发现。”青青说，这就是他玩游戏时的心态。
每次充值后，游戏中全新的角色或装备让他能开心好一阵子。开心过后，青青说，自己也想过“被父母发现之后怎么办？”但很快就被下一个想要的装备和游戏角色吸引，再次充值。在手游“王者荣耀”中，青青一共购买了45个“英雄”和36套“皮肤”，在“火影忍者”中，他收集了46个“忍者”，购买了大量“通灵术”。
短短一个月，青青不知不觉地充值了120余次，银行发出的扣款短信被他快速删除。如今，青青的心中只有愧疚和懊悔。他曾想在网络平台上卖掉自己的账号，但于事无补。
无效的购买协议应被取消，但举证难
贺永春发愁，未成年的儿子这么花出去的13万元能要回来吗？
作为长期关注未成年人权益保护的律师，中国律协未成年人保护委员会副主任姚炜耀时常遇到这样的求助，在他看来，青青与游戏运营商达成的买卖合同是无效的。
姚炜耀解释说，根据中国《民法通则》《合同法》等法律条款相关规定，14岁的青青属于限制民事行为能力人，花13万元购买网络游戏装备的行为，明显与其年龄、消费能力不符，青青的父母也并不认可他的这个行为，所以他与游戏商达成的买卖合同属于效力待定合同，其父母有权撤销这个买卖合同。
“这和未成年人不能购买房产是同样的道理，他的购买行为明显不符合他的购买能力。”姚炜耀说。
目前，中国的游戏分级制度没有具体实施，许多游戏并没有对不同的年龄人群设定门槛，玩家可以没有限制地进入。而游戏中，对于玩家的购买行为也没有限制。
现实中，家长要求撤销买卖行为要回游戏花费并不容易实现。今年6月，青岛市民陈先生7岁的孩子玩手机游戏分80次消费了3万余元，陈先生认为，孩子是未成年人，希望游戏运营商能考虑到这一事实退还部分金额，但遭到拒绝，如何举证消费是孩子的行为而不是成人行为，是要回花费的难点所在。
事实上，许多类似事件都因家长难以证明是未成年人花费而不了了之。
姚炜耀呼吁游戏运营商有更多担当，在游戏中通过技术性手段对未成年人进行保护，如要求玩家提供身份证号码或相应的身份证明，同时游戏后台应进行一些技术跟进，对连续的大额消费等可能出现的未成年人购买行为进行甄别和提醒。“这既是对未成年人的保护，也是对游戏商家的保护。”