免密支付让人“不知不觉”花了很多钱

Core Viewpoint - The article highlights the risks associated with "no-password payment" and "buy now, pay later" services, which, while convenient, can lead to unintended financial consequences for consumers, particularly vulnerable groups like the elderly and minors [1][2] Group 1: Consumer Experiences - A case study of a consumer whose elderly mother unknowingly activated a no-password payment feature, leading to over 100,000 yuan in unauthorized expenses [1] - Instances of minors using their parents' accounts for unauthorized purchases through no-password payment features, resulting in significant financial losses [1] - Consumers reporting unexpected automatic orders due to the "buy now, pay later" feature, raising concerns about transparency and user awareness [1] Group 2: Industry Response and Recommendations - The China Payment and Clearing Association issued an initiative to enhance the security management of no-password payment services, urging payment service providers to avoid default activation and improve user awareness [1] - Experts recommend that payment service providers implement stronger reminders and simplify the process for users to deactivate these features, ensuring that consumers are fully informed of the risks [1][2] - Legal experts emphasize the need for regulatory bodies to establish clear guidelines for the activation and deactivation of these payment services to protect consumer rights [1][2]