□ 本报记者 孙天骄 □ 本报见习记者 王宇翔 近期，山东淄博的程女士发现，自己母亲的银行卡和某平台 月付账单上出现大量陌生消费记录，两三个月累计总花销已超10万元。 据了解，程女士的母亲无意间 开通了某平台的免密支付与月付功能。购物时无需输入密码或核对余额，只需一键下单就能完成扣款。 程女士说，由于消费通过平台月付渠道完成，下单时不会立即扣款，这使得母亲误以为"不走银行卡就 还有钱"，加上无需输入支付密码，这让母亲在各类自称销售"养老保健品""收藏品"的直播间里消费"畅 通无阻"，完全超出了经济承受能力。 "免密支付叠加平台月付的扣款模式，让我母亲完全感受不到花 钱的实际压力，从字画、摆件、银元到保健酒，买的东西不计其数。"程女士告诉《法治日报》记者， 直到欠款累积到2万多元，母亲被平台限制额度才停手。 "免密支付""先用后付"等新型支付业务，以流 程便捷、交易提速的核心优势，提升了用户的支付体验，成为日常消费中便捷高效的选择。然而，便利 的背后也隐藏着风险隐患。记者近日调查发现，一些平台默认开通免密支付功能，或将该功能的开通选 项隐藏在下单界面，消费者稍不注意就开通了免密支付。其中，有未成年人未经家长同意 ...

Core Insights - The 2025 World Intelligent Industry Expo was held in Chongqing, with the People's Bank of China (PBOC) implementing various measures to enhance payment experiences for international attendees [1] Payment Services at the Airport - The PBOC guided the establishment of a payment service counter at Jiangbei Airport to assist foreign visitors with currency exchange and payment services, including mobile payment setup and ATM access [2] - Since the trial operation began in May 2025, over 20,000 foreign visitors have been served at the airport's service center [2] Transportation and Accommodation Payment Solutions - All subway stations in Chongqing now accept foreign card payments, ensuring ease of public transport for international visitors [3] - During the expo, 22 hotels and nearby merchants were designated as key foreign card-accepting businesses, with training and support provided to ensure smooth transactions [3] - As of 2025, the total amount of foreign card transactions reached 255 million yuan, marking a 60% year-on-year increase [3] Mobile Payment Acceptance - The PBOC has encouraged payment platforms like Alipay and WeChat Pay to enhance the usability of mobile payments for foreign visitors by optimizing card binding processes and offering transaction fee waivers [6] - The number of mobile payment transactions and amounts for foreign visitors increased by 210% and 180% respectively since 2025 [6]

Core Viewpoint - The People's Bank of China is enhancing financial services for the upcoming China International Fair for Trade in Services, scheduled for September 10-14, 2025, in Beijing, aiming to create a smart, convenient, diverse, and efficient payment environment for exhibitors and visitors [1] Payment Services Development - As of now, the two major airport payment service demonstration zones have served 38,000 international guests, processing nearly 1.9 million transactions with a total amount close to 1 billion yuan [1] - In addition to supporting UnionPay cards and QR code payments, the system has been expanded to include VISA, MasterCard, JCB, and American Express for subway access, allowing cardholders to easily tap their cards at 523 subway stations in Beijing [1] User Engagement and Transaction Volume - Over 1.37 million users from more than 137 countries and regions have utilized UnionPay, VISA, MasterCard, JCB, and American Express for subway access, with approximately 1.9 million transactions amounting to over 9.7 million yuan [1]