Research On The Single-purpose Commercial Prepaid Card Consumer Rights And Interests Protection

Along with the advance of science and technology as well as the infinite pursuit ofconvenient life, all kinds of commercial prepaid card swarm into our lives, such asShopping Cards and Gift Cards which are used in retail industry,besides, beauty salon,washbath and fitness service industry not to be outdone. The rapid development of commercialprepaid card industry, not only brings the operator lots of reserves and fixed consumer groups,also brings the consumers a lot of convenience and benefits, this fully shows the rationality ofthe existence of prepaid card spending patterns and the broad space for development in thefuture. At the same time, prepaid card consumption torts were disclosed frequently. Theconsumer association website data show that prepaid card consumer complaints is high,meanwhile various newspapers disclose prepaid card consumption were traps continuously,we find that prepaid card consumption become a major disaster area of torts consumer rights,there into, single-purpose commercial prepaid card consumption is the worst. In the face ofsuch situation, under the premise of the prepaid card consumption healthy and orderlydevelopment, how to better safeguard the legitimate rights and interests of consumers becomea new subject which managers and researchers must face now.This article explore the topic intends to follow "put forward, analyze and solveproblems" the train of thought, specifically elaborates from the following five parts.The first part, put forward cases and problems. Through the case which happened in myside cause the thinking about the problem.The second part, analysis of related issues. Expound the concept and characteristics ofprepaid consumption, the concept and development of prepaid card, and the relationshipbetween the prepaid consumption and prepaid card; analyze the necessity of strengtheningprepaid card consumer rights and interests protection, and draw a conclusion respectivelyaccording to the industry present situation and the two kinds of cards’ differences and issuers’properties; in the form of case enumerated to introduce the main content of single-purposecommercial prepaid card consumer rights and interests protection, including the Advancesecurity, Right to know and Option, and Fair trading rights.The third part, analysis of single-purpose prepaid card consumer rights and interestsprotection present situation. Respectively from legislation, law enforcement, dispute solution, litigation mechanism, industry regulation and consumer groups six aspects analyze theconsumers’ rights and interests protection present situation and difficult.The fourth part, analysis our country Taiwan area and Japan about single-purposeprepaid card consumer rights and interests protection experience, and obtain beneficialenlightenment.The fifth part, put forward the concrete measure to solve the problem. Detailedelaborated how to protect single-purpose prepaid card consumers lawful rights and interests,including legislative recommendations, law enforcement measures, the judicial action,litigation mechanism, the role of industry associations and the role of consumer groups.