消费者吐槽“被套路”，免密支付如何平衡便捷与安全？

Core Viewpoint - The rise of automatic payment systems, while enhancing convenience, has led to consumer complaints regarding hidden fees and security risks associated with these services [1][2]. Group 1: Consumer Concerns - Consumers express frustration over automatic payment deductions, with reports of unauthorized charges and difficulty in disabling the feature [1]. - A specific case highlighted a consumer who was charged 17.9 yuan without clear consent, illustrating the lack of transparency in the authorization process [1]. - There are concerns about the potential for fraud, as demonstrated by a case where a consumer's account was hacked, leading to 162 unauthorized transactions totaling 80,868 yuan [1]. Group 2: Industry Response - The China Payment and Clearing Association has called for improved management of automatic payment authorizations to ensure user rights and informed consent [2]. - Analysts emphasize that while automatic payments can enhance transaction efficiency, they also require better risk management and user awareness to prevent disputes over unauthorized charges [2][3]. - Recommendations include making the option to disable automatic payments more accessible and implementing stronger fraud detection measures [2]. Group 3: Regulatory and Security Recommendations - There is a need for stricter regulatory oversight on risk management practices related to automatic payments, as current compliance is deemed insufficient [3]. - Consumers are advised to regularly review their authorization lists and prioritize using automatic payment features only with trusted applications [3]. - Collaboration between platforms and users is essential to achieve a balance between convenience and security in automatic payment systems [3].