In recent days, media reports have reported that the payments negotiations will not be able to access consumption records until three days after they have been successful. The news was once a source of concern and challenge. So, why pay the treasure to do this? Is this initiative reasonable? This paper will analyse this issue from several angles。

Three days after the payment deal

First of all, the question of why it takes three days after the successful negotiation to check the consumption record. According to official explanations, this was necessary to protect the privacy of users. That is, in the event of a dispute between a user and a business, a certain amount of time is required for a negotiated settlement. Immediate access to consumption records may create unnecessary pressure and influence on users and businesses, and may even exacerbate feelings of confrontation between the parties to the dispute and discourage reconciliation. A three-day review of the consumption records after the success of the consultations would allow both parties to view the issue more objectively, on the basis of mutual understanding, and would facilitate the resolution of the dispute。

Secondly, let us see whether this initiative is reasonable. From the point of view of user privacy, it is not difficult to understand the practice of paying for treasures, and the protection of user privacy should be respected. At the same time, this approach can alleviate some of the conflicts between users and businesses and facilitate the mediation of disputes. However, the view was also expressed that this would be a inconvenience to users and that it would obviously have some impact on users if they urgently needed access to consumption records and had to wait three days。

Finally, what we need to think about is how to ensure user accessibility while protecting the privacy of users. In the view of the author, this requires payment for a more sophisticated design of services. For example, when users apply for consultations, the option of agreeing to a three-day successful consultation before viewing the consumption record is increased to allow users to choose between different scenarios. In addition, more accessible search and management tools could be added to the payment treasures to meet the needs of individual users。