支付要便捷也要安全

Core Viewpoint - The rise of "no-password payment" has led to unintended purchases, particularly among elderly consumers, highlighting the need for better consumer education and regulatory oversight [1][2]. Group 1: Issues with No-Password Payment - Elderly consumers have faced issues with "no-password payment," leading to accidental purchases that cannot be refunded, as seen in a recent incident involving the purchase of hundreds of chicks [1]. - The lack of awareness and caution among users, especially the elderly, has resulted in frequent financial losses due to the unintentional activation of "no-password payment" features [1]. - The payment process lacks clear responsibility and guidance, with the activation button for "no-password payment" being prominently displayed while the cancellation option is less visible [1]. Group 2: Recommendations for Improvement - Platforms must comply with legal regulations by clearly informing consumers about the conditions, risks, and cancellation methods associated with "no-password payment" [2]. - Consumers should carefully read user agreements before activating "no-password payment" and remain vigilant about their transaction notifications to identify any unauthorized charges [2]. - Regulatory bodies are encouraged to refine laws and regulations, urging technology companies to address security vulnerabilities and enhance oversight of payment platforms [2].