Group 1 - Prepaid consumption has become popular in various sectors such as fitness, education, and beauty services, offering convenience and discounts to consumers, but it also carries risks like service reduction, refund difficulties, and business closures [1] - The implementation of the Supreme People's Court's interpretation on civil disputes related to prepaid consumption aims to address consumer rights violations, including issues like "running away with funds" and "unfair contract terms," thereby enhancing consumer protection [1] - Strengthening regulatory and enforcement measures is essential, including the establishment of a monitoring platform for prepaid consumption that utilizes big data and cloud computing to oversee business operations in real-time [1] Group 2 - A healthy market ecosystem requires collective efforts from society, including the establishment of a blacklist sharing mechanism by industry associations and regular credit ratings for businesses to guide consumer choices [2] - Introducing third-party safeguarding mechanisms, such as a prepaid fund custody system, is crucial to ensure the safety of consumer funds, along with encouraging businesses to purchase prepaid consumption insurance for consumer protection [2] - Enhancing consumer awareness and education about prepaid consumption risks is vital, necessitating a multi-channel approach to cultivate public risk awareness [2]

Core Viewpoint - The Supreme People's Court has issued an interpretation regarding prepayment consumption disputes, aiming to protect consumer rights and regulate unfair practices in the industry [1][2][3] Group 1: Legal Provisions - The interpretation invalidates "unfair clauses" such as non-refund policies, card loss without replacement, and restrictions on card transfers [1] - Consumers can transfer prepaid cards by simply notifying the operator, and the transfer of unlimited service cards must adhere to good faith principles [1] - Consumers have the right to terminate contracts if they face significant inconvenience due to the operator's relocation or if the operator fails to provide services as agreed [1] Group 2: Consumer Rights and Protections - Consumers are entitled to a seven-day unconditional refund period after making a prepayment, provided they have not previously received the same goods or services [2][3] - The interpretation aims to address the issue of information asymmetry in prepayment consumption, where some operators engage in misleading marketing practices [2][3] - The interpretation also allows for punitive damages against operators who collect prepayments and then evade refund requests, with potential criminal liability for fraudulent actions [2]