支付安全

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别让钱包“裸奔”!手把手教你给微信支付宝上道“安全锁”
Bei Jing Shang Bao· 2025-10-08 11:01
北京商报讯(记者 刘四红)手机丢了、密码泄露了……你的支付钱包会不会瞬间"失守"?近日,话题#微信里的钱包一定要上锁#冲上热搜,引起网友热 议。别慌!实际上,现在就可以给微信、支付宝装上"安全锁",让你的资金安全感拉满。 事实上,不仅仅是微信支付,针对支付安全这一老生常谈的话题,支付宝也给用户账户搭建了多重"智能防护网",从登录到支付可以层层设防。例如密码 防线,你可以设置复杂的支付密码和登录密码;另外也可以通过生物识别,例如开启"指纹支付/面部识别",刷个脸、按个指纹付款,既方便又安全。 另外同样有安全锁,你可以在支付宝的"设置-账户与安全-安全中心"里开启"安全锁",其中包括夜间保护、大额保护、游戏保护等,当功能开启后,交 易达到设置的保护金额,或交易发生在设置的保护时间段内,或与主流游戏商户进行交易,安全锁会验证身份(如人脸核身等),验证通过才能进行交易 支付,同时提供修改和关闭保护设置的功能。 此外,支付宝同样提供账户安全险保障,可提供账户资金被盗刷全额赔的服务。 另对支付机构支付安全问题,王蓬博进一步指出,机构应持续强化技术风控能力,构建覆盖账户全生命周期的安全防护体系。在保障用户体验的前提下, 综 ...
保护钱包 微信这个功能一定要开启!
Zhong Guo Ji Jin Bao· 2025-10-06 01:00
Core Viewpoint - The discussion around the importance of locking the WeChat wallet has gained significant attention among users, emphasizing the need for security measures to prevent unauthorized access in case of lost devices [1]. Group 1: User Concerns and Reactions - Many users expressed that they have never activated the wallet lock feature, indicating a general lack of awareness regarding security settings [1]. - The conversation highlights a growing concern among users about the potential risks associated with mobile payment systems [1]. Group 2: Security Features - The process to enable the wallet lock involves navigating through the WeChat app to access the customer service section [3]. - Users can choose between two unlocking methods: fingerprint unlock and gesture password unlock, allowing for personalized security settings [8]. - Once the security lock is activated, any attempt to access payment features requires verification, effectively preventing unauthorized transactions even if the phone is lost [10].
保护钱包,微信这个功能一定要开启!
Zhong Guo Ji Jin Bao· 2025-10-06 00:56
Core Viewpoint - The discussion around the importance of securing the WeChat wallet has gained significant attention, with users emphasizing the necessity of locking the wallet to prevent unauthorized access in case of a lost phone [1]. Group 1: User Concerns - Users express that they have never unlocked their WeChat wallet, indicating a general lack of awareness regarding wallet security features [1]. - The conversation highlights the potential risks associated with not securing the wallet, as unauthorized users could access funds if the phone is lost [1]. Group 2: Security Features - A step-by-step guide is provided for users to enable the security lock on their WeChat wallet, starting from accessing the "Customer Service" section [3][5]. - The security lock feature offers two unlocking methods: fingerprint unlock and gesture password unlock, allowing users to choose based on their preferences [9]. - Once the security lock is activated, users must verify their identity to access the wallet, significantly enhancing the protection against unauthorized transactions [11].
关注支付安全 双节消费更安心
Xin Hua Wang· 2025-10-01 02:11
Core Points - The article emphasizes the importance of card security during the peak travel and shopping season of the National Day and Mid-Autumn Festival in China [1][2] - China UnionPay has issued safety tips to cardholders to prevent fraud and ensure secure transactions [1][2] Group 1: Security Tips - Cardholders are advised to be cautious of SMS link risks and to avoid disclosing sensitive information such as card numbers and verification codes [1] - Users should be wary of fraudulent apps and verify any requests from individuals claiming to be customer service representatives [1] - It is recommended to monitor for unusual transactions and report any unauthorized activity immediately to the bank [2]
国庆中秋假期临近 银行卡消费警惕这些风险
Xin Hua She· 2025-09-22 06:21
Core Viewpoint - The upcoming National Day and Mid-Autumn Festival holidays are expected to see a surge in cross-border tourism and shopping, which also increases the risk of various scams targeting consumers [2]. Group 1: Consumer Risks - Various scams are anticipated during the holiday period, including phishing links, suspicious calls, and malware apps [2]. - Consumers are advised to be cautious of SMS links and to avoid disclosing sensitive information such as card numbers, expiration dates, CVN codes, and dynamic verification codes [4][3]. - It is crucial to verify any suspicious messages regarding refunds or account freezes by contacting official customer service [4]. Group 2: App and Transaction Security - Users should be wary of calls from individuals claiming to be customer service representatives, especially those requesting actions related to fee cancellations or insurance [5]. - It is recommended to only download apps from official app stores and to be alert for any unusual behavior on mobile devices, such as requests for accessibility permissions [6]. - Setting up balance transaction alerts and monitoring for unusual transactions through bank apps or SMS notifications is advised [7][8].
免密支付暗藏隐患,有人薅10元羊毛被盗刷1万
3 6 Ke· 2025-09-19 06:46
看似便捷的功能,却可能造成资金安全隐患。 近日,"解除支付宝账号授权"这一话题在微博热搜上引发了广泛讨论。有网友发现,在支付宝的"个人信息授权管理"列表中,被一键授权获取其个人信息 的软件数不胜数,不少均涉及姓名、手机号、证件等敏感信息。用户陷入"授权泛滥"困境,存在不少安全隐患。 "免密支付/自动扣款"则是另一大"雷区",很多人发现了不少"隐藏扣款"。近日,来自重庆的学生党刘雨(化名)告诉时代财经,她于去年在某在线小说阅 读平台开通了VIP会员,使用支付宝免密支付,最近检查账单才发现该VIP会员一直在自动续费。 "订的时候一时爽,取消的时候找不到,以为没有续费了,其实每个月一直在默默扣你钱。这就像金钱小偷,因为不用动脑子,不知不觉钱就走了。"刘雨 如此表示。 9月17日,支付宝在其官方微信平台上发文回应称,支付宝2021年就推出了"个人信息授权管理"功能,方便用户统一管理;另外,除了可以一站管理自己 的授权,用户还可以在"用户保护中心"修改自己的隐私设置,查看授权自动续费的服务等。支付宝支付设置上,也可通过自动续费/免密支付设置,解 除"自动扣费"功能。 图源:支付宝 1 有人为薅10块羊毛,免密支付被盗刷 ...
浦发信用卡盗刷背后:不明交易频现 安全盾牌为何“缺位”
Bei Jing Shang Bao· 2025-09-16 14:56
一场突如其来的跨境盗刷风波,正让浦发银行信用卡用户陷入集体焦虑。从海外留学生、工作者,到国内持卡人,不同使用场景的用户纷纷中招,彻底打破 了持卡人对用卡安全的常规认知。留学生Noah(化名)至今不解,先是非洲、加拿大的小额交易试探,再到巴西多笔消费悄无声息入账,为何盗刷尝试能 横跨多国?到底是个人用卡习惯不当导致的信息泄露,还是信用卡技术或系统存在漏洞?当数字支付迈向"无感交易",当芯片卡技术不断迭代,为何资金安 全的"防火墙"反而屡屡缺位?这场风波留下的,不仅是用户的信任危机,更给整个信用卡行业抛出了一道安全必答题。 盗刷行为横跨多国 在数字支付的高速公路上,没有永远牢不可破的"防火墙",只有永不停歇的"攻防战"。 在浦发银行万事达无价世界卡(红沙宣)信用卡被盗刷一周后,小禾(化名)最终和浦发银行达成了补卡协议,考虑到主副卡持卡人所在的不同位置,浦发 银行向她承诺,将新的主卡寄往新西兰,副卡则单独寄往日本,被盗刷的资金不用小禾偿还。 虽然资金未受到损失,但小禾仍存在诸多疑虑,盗刷交易的渠道不明;发现盗刷前微信与手机银行均未收到任何提醒;在第一批用户集中反馈之前,银行内 部似乎并无统一应对方案。这些悬而未决的 ...
“隔空”盗刷信用卡,为何屡禁不止?
Di Yi Cai Jing· 2025-09-16 11:51
Core Viewpoint - The recent incidents of unauthorized transactions on the Shanghai Pudong Development Bank's Mastercard "Priceless World Card" highlight vulnerabilities in cross-border credit card transactions, particularly regarding the use of CVV codes and the risks associated with magnetic stripe cards [1][2][3]. Group 1: Incident Overview - Multiple users of Shanghai Pudong Development Bank's credit cards reported unauthorized transactions abroad, prompting the bank to offer compensation measures such as point compensation, refunds, and fee waivers [1]. - The bank's credit card center has activated risk prevention mechanisms after detecting abnormal transactions not authorized by cardholders [1]. Group 2: Mechanisms of Fraud - Unauthorized transactions often occur due to the lack of password verification in overseas credit card transactions, where only the card number, expiration date, and CVV code are required [1][2]. - The CVV code can be stolen through various means, including data breaches, phishing scams, and physical theft, making it a critical factor in credit card fraud [2]. - Criminals often wait to use stolen information, binding it to NFC-enabled mobile wallets to evade detection by risk control systems [2]. Group 3: Transaction Mechanisms - The incident raises questions about how users with low credit limits experienced significant unauthorized charges, attributed to the offline transaction mechanism used overseas [3]. - In this mechanism, merchants can complete transactions without real-time interaction with the issuing bank, allowing multiple transactions to occur before the bank updates the available balance [3]. - Some banks may temporarily increase credit limits for overseas transactions, which can be exploited by fraudsters, leading to higher unauthorized charges [3]. Group 4: Responsibility and Legal Framework - The responsibility for credit card fraud often lies with the issuing bank, especially if it fails to identify fraudulent transactions or does not act promptly to prevent them [5][6]. - In judicial practice, banks typically bear over 70% of the responsibility in fraud cases, although cross-border transactions complicate the process of seeking redress [5]. - Courts generally view consumers as the weaker party, placing the onus on banks and related institutions to provide compensation, while internal recovery of costs among institutions is handled separately [5][6]. Group 5: Payment Security Measures - The continued use of magnetic stripe cards is a significant factor in the prevalence of fraud, as they are more susceptible to theft compared to EMV chip cards [7]. - The transition to chip cards is essential for enhancing payment security and improving user experience, as magnetic stripe cards remain widely used overseas [7]. - Mastercard has introduced new chip cards compatible with both EMV and UnionPay standards in China, promoting the replacement of magnetic stripe cards to enhance security [7].
支付安全是多方责任共担的系统工程
Zheng Quan Shi Bao· 2025-09-15 19:29
Core Viewpoint - The rise of non-cash payment methods has led to an organized and technologically advanced credit card fraud industry, posing unprecedented challenges to cardholder account security [1][2]. Group 1: Current State of Credit Card Fraud - Credit card fraud has evolved from sporadic scams to a complex and covert black market, utilizing various methods such as phishing, virtual transaction hijacking, and hacking [1]. - Many victims only realize they have been defrauded upon receiving transaction alerts from their banks, highlighting the sophistication of these criminal organizations [1]. Group 2: Measures Taken by Financial Institutions - Major banks in China have implemented real-time transaction monitoring systems to identify and intercept abnormal transactions [1]. - Insurance products like "fraud insurance" and "advance compensation" are being promoted to mitigate financial losses for cardholders [1]. - Some banks have introduced "account security lock" features on mobile platforms, allowing users to set transaction limits based on their usage scenarios [1]. Group 3: Challenges in Payment Security - The payment security system faces challenges from new forms of crime such as cross-border fraud and digital identity theft, which require banks to enhance their risk control measures [2]. - Cardholders often encounter difficulties in proving fraud, lengthy claims processes, and ambiguous liability determinations, indicating that payment security is a complex system involving service mechanisms and user experience [2]. Group 4: Recommendations for Improvement - Banks should increase technological investments and shift risk control models from reactive to proactive, incorporating advanced technologies like AI and behavioral biometrics [2]. - Improving customer service processes and establishing efficient, transparent fraud dispute resolution mechanisms are essential for enhancing user experience [2]. - Regulatory bodies need to refine legal frameworks, especially in emerging areas like cross-border fraud and electronic identity verification, while also fostering international judicial cooperation [2]. Group 5: Role of Consumers - Consumers are encouraged to maintain good card usage habits, regularly check account activity, set transaction limits cautiously, and remain vigilant against suspicious links and calls [2][3]. - In the event of fraud, consumers should promptly contact their banks, preserve evidence, and assert their rights [2]. Group 6: Long-term Vision for Payment Security - Ensuring payment security is a long-term endeavor requiring collective participation and continuous investment from society [3]. - Financial institutions must take responsibility for risk control through technological upgrades and service optimization, while regulatory bodies should enhance institutional design and international collaboration [3]. - A governance structure that balances shared responsibilities among all parties, along with a focus on technology, regulation, and user awareness, is essential for creating a secure payment environment [3].
可用额度600多元却被盗刷将近2万元,浦发信用卡被集中盗刷之谜
Sou Hu Cai Jing· 2025-09-15 07:28
Core Viewpoint - Recent incidents of unauthorized transactions on the Shanghai Pudong Development Bank (SPDB) Mastercard "Priceless World Card" have raised concerns about payment security, with multiple users reporting overseas fraud without their knowledge [1][3][9]. Group 1: Incident Overview - SPDB's credit card center detected unauthorized transactions on the "Priceless World Card" and initiated an emergency response mechanism in collaboration with Mastercard [1][10]. - Affected users reported significant unauthorized charges, with one user experiencing nearly 20,000 yuan in fraudulent transactions despite having a low available credit limit [3][7][9]. - Users did not receive any notifications for the unauthorized transactions, which occurred in Brazil, leading to frustration and concerns about the bank's security measures [5][8]. Group 2: User Experiences - Multiple users, including Yang Lihong and Xiong Lan, reported similar experiences of unauthorized transactions occurring without prior notification, with amounts totaling approximately 19,000 yuan [3][5][7]. - One user had previously requested to cancel their card but still received notifications of fraudulent transactions after the card was supposedly deactivated [8]. Group 3: Bank's Response and Accountability - SPDB assured customers that they would not bear the losses from the unauthorized transactions and that a resolution plan was in place [8][9]. - Users expressed dissatisfaction with the bank's response, emphasizing that ensuring card security is the bank's responsibility and calling for more proactive measures [8]. Group 4: Analysis of Fraud Causes - Industry analysts suggest that the incidents may be due to organized technical fraud attacks rather than individual user negligence, indicating a potential vulnerability in the security systems of the affected credit card products [9][10]. - The concentration of fraud incidents among a specific card type suggests a targeted attack, raising alarms about the effectiveness of current security measures [9]. Group 5: Regulatory Context - Regulatory bodies have previously mandated banks to enhance risk management and fraud prevention measures, but challenges remain in fully mitigating overseas fraud risks [10]. - Various banks have implemented new measures to address cross-border transaction risks, but the industry consensus is that collaboration among card organizations, acquiring parties, and clearing networks is essential for effective fraud prevention [10].