更让人无奈的是，用户事后发现扣费想维权时，往往找不到明确的交易记录、收款方名称，客服渠 道和申诉入口更是难觅踪影，扣款方如同"幽灵"一般隐匿无踪，维权之路举步维艰。 清朗的网络消费环境容不下这种变相"啃老"行为，治理的板子必须精准打在责任主体身上。 近日，老人因短视频"红包弹窗"被连环扣款上万元的新闻引发热议。从"看剧领红包"到"关注领红 包"，这些诱人弹窗背后实则是一项项自动扣费，将老年人拖入消费陷阱。 这类乱扣款被大众形象地称为"幽灵扣款"，是商家层层算计的商业套路。平台方将付费入口伪装 成"红包""抽奖""限时福利"进行精准诱导，用户一旦点击，繁琐授权、模糊提示、默认勾选接连上演， 取消路径却被深埋在层层菜单之下，"免密支付"更是让扣款行为变得神不知鬼不觉。 支付平台须强化"阀门之责"。针对高频、小额、层层关联及面向老年群体的扣费，支付平台需建立 有效的风险预警和干预机制。一旦识别出此类高风险交易，系统应立即触发提醒甚至延时支付机制，如 通过全屏弹窗、亲属联动通知等方式进行二次确认，为拦截风险设置"缓冲带"。 监管之手更需主动向前，实现"以网管网"。市场监管、网信部门可利用大数据监测，主动筛查并锁 定高 ...

Core Points - The article highlights the issue of "ghost deductions" targeting the elderly, where they unknowingly authorize payments through misleading advertisements and pop-ups [2][3][28] - It emphasizes the lack of accountability and support for victims, as many face difficulties in filing complaints and obtaining refunds due to the elusive nature of the fraudsters [4][21][24] Group 1: Nature of the Fraud - The fraud often presents itself as enticing offers, such as "red envelopes" or "cash rewards," which lead to automatic deductions from the victims' accounts [3][15][28] - Victims, particularly the elderly, are misled into believing they are engaging in harmless activities, only to find their accounts debited without their consent [5][15][30] Group 2: Legal and Regulatory Concerns - Legal experts indicate that these practices violate multiple laws, including the Consumer Rights Protection Law and the Cybersecurity Law, highlighting the need for stricter enforcement [4][31][32] - The article discusses the responsibility of online platforms to monitor and manage the activities of merchants on their sites, suggesting that failure to do so could result in shared liability for fraudulent actions [33][34] Group 3: Recommendations for Prevention - Experts recommend that platforms implement robust monitoring systems to detect and block fraudulent activities, as well as establish clear complaint and refund processes for users [32][33] - There is a call for enhanced consumer education, particularly for the elderly, to help them recognize and avoid such scams [30][32]