免密支付暗藏盗刷陷阱

Core Insights - The rapid development and widespread adoption of mobile payment technology, particularly "no-password payment," has simplified transaction processes but also created new opportunities for fraud [1][2] - Consumers have reported numerous incidents of unauthorized transactions linked to no-password payment features, often initiated through misleading advertisements or promotions [2][3] Group 1: Consumer Experiences - A case study involving a consumer named Ms. Xiang highlights the risks associated with sharing Apple ID and password, leading to unauthorized charges totaling 2,592 yuan [1] - Many consumers have experienced similar fraud, particularly when purchasing low-cost membership services or vouchers, with a significant number of complaints related to Apple ID theft [1][2] - Data from the "Black Cat Complaints" platform indicates over 1,000 complaints regarding Apple ID theft, with funds often used for in-app purchases that are difficult to recover [1] Group 2: Issues with No-Password Payment - The convenience of no-password payment has led to consumer complaints about being unknowingly enrolled in these services, resulting in unexpected charges [2] - In 2025, there were 16,122 complaints related to no-password payments, averaging 44 complaints per day, highlighting the prevalence of issues such as unauthorized activation and random deductions [2] - Consumers have reported that the activation of no-password payment often occurs during promotional activities, while the process to deactivate these features is cumbersome and not user-friendly [2][3] Group 3: Recommendations for Improvement - There is a call for payment platforms and application providers to prioritize user consent and security, advocating for simpler cancellation processes to enhance consumer protection [3] - Current procedures for disabling no-password payment features require multiple navigation steps across different platforms, which complicates the user experience [3]