来源|凤凰网财经《公司研究院》 近日，话题"一定要关闭免密支付和自动扣款"冲上社交平台热搜，关于免密支付功能相关的讨论再次进入大众视野。 多名网友在网络上发文称，自己的电子设备在开通免密支付功能后遭到盗刷，支付宝、微信等平台无故出现多笔扣费，累计金额从几千元到几万元不 等。 免密支付是指用户在进行支付时，无需输入密码或进行其他认证，直接完成交易的一种支付方式，旨在减少用户的操作步骤。然而，这一看似便捷的 功能背后却隐藏着重重风险。 01 钱消失了 对于部分不熟悉免密支付操作和风险的用户而言，使用这项功能可能在不经意间造成严重的钱财损失，甚至被不法分子利用。 不少用户在不知情的情况下开通免密支付功能，随后被迫面临开通后乱收费的问题。发生的场景集中在电商平台、会员开通以及二手交易平台等。 需要指出的是，免密支付"围猎"的对象不乏儿童和老人，有未成年人在电商、游戏和直播平台中在未经家长同意的情况下使用免密支付，还有一些老 人被平台推荐误触开通免密支付功能，导致账户被盗。 黑猫投诉平台显示，涉及免密支付的投诉多达 6.4 万条。多位用户提到，不少平台的免密支付是"霸王条款"，不仅开通后很难取消，还有一些平台被 质疑在 ...

Core Viewpoint - The recent promotional activity by Minsheng Bank's Jinan Tianqiao Branch aims to enhance payment service convenience, improve services for the elderly, and raise awareness about fraud prevention, contributing to a harmonious financial environment [1][2] Group 1: Community Engagement - The bank organized a themed promotional event titled "Optimizing Payment Environment, Safeguarding Payment Security" in community areas, focusing on enhancing payment service convenience and educating residents on mobile payment techniques and fraud prevention [1] - Staff set up a "Mobile Financial Classroom" at a large community event, distributing materials such as the "Payment Service Guide" and "Safe Payment Manual," and demonstrating mobile payment operations and fraud prevention tips [1] - Special attention was given to elderly individuals, showcasing features like large print mobile banking, voice broadcasting services, and "one-click assistance," while guiding them through experiences with convenient services like "零钱包" exchange and QR code payments [1] Group 2: Merchant Support - The bank established a "Payment Service Vanguard" to support local merchants in the Tianqiao District, which is known for its commercial logistics [1] - The initiative included a "Payment Service into Merchants" campaign, where staff visited merchants to provide one-on-one guidance on upgrading payment systems and optimizing transaction processes [1] - Practical knowledge was shared with merchants on preventing illegal transactions, identifying counterfeit currency, and handling payment disputes [1] Group 3: Future Initiatives - The Jinan Tianqiao Branch plans to continue enhancing its payment service system by promoting simplified account opening processes and optimizing payment services for foreign nationals in China [2] - The goal is to ensure that financial technology advancements benefit the public and contribute to a safe, convenient, and efficient payment environment [2]

Core Insights - The promotion of payment tokenization technology in the Chinese market has made significant progress, enhancing consumer payment security and optimizing payment convenience, supporting domestic consumption policies [2][9][10]. Group 1: Payment Tokenization Technology - Payment tokenization replaces sensitive information such as card numbers and CVV codes with a token, controlling information leakage and fraud risks from the source [3][5]. - The technology has been widely adopted by major e-commerce platforms and mobile payment services, ensuring that even if a token is leaked, it cannot be used for fraudulent transactions on other platforms [5][6]. - Tokenization is reshaping the payment value chain, benefiting all participants by enhancing transaction security, reducing fraud losses for merchants, and lowering risk costs for banks [6][7]. Group 2: Market Opportunities and Challenges - Despite the significant progress in tokenization, it currently accounts for only about one-third of Mastercard's global transaction volume, indicating substantial room for growth [8][9]. - The Chinese market presents both opportunities and challenges, with established players like Alipay and WeChat Pay dominating the ecosystem, necessitating effective integration of tokenization with existing payment systems [11][12]. - The Chinese government's support for fintech innovation and the advanced digital infrastructure provide a favorable environment for the rapid adoption of tokenization technology [12][13]. Group 3: Future Prospects - Mastercard aims to achieve 100% tokenization in global e-commerce by 2030, with expectations for faster implementation in China due to its advanced digital infrastructure [10][12]. - The introduction of tokenization in China is expected to enhance security against replay attacks and data tampering, aligning with local user habits and improving the overall payment experience [10][12]. - The successful implementation of tokenization will require collaboration among various stakeholders to ensure seamless integration with existing payment habits and systems [11][12].

Core Viewpoint - The payment industry is experiencing unprecedented efficiency due to the rise of electronic payments, but security remains the core focus for long-term market performance [1] Group 1: Company Achievements - 百富环球 has been re-elected as a member of the PCI Security Standards Council (PCI SSC), highlighting its strong brand credibility and product safety [1][2] - The company is recognized alongside major global firms such as Apple, Amazon, and Microsoft, indicating high international recognition of its brand and products [1] - 百富环球 has established a broad influence globally, with operations across EMEA, LACIS, APAC, and USCA regions [2] Group 2: Technological Advancements - 百富环球's flagship Android payment terminal, A920Pro, has successfully passed the EMVCo C-8 contactless payment standard certification, enhancing its market competitiveness and technological leadership [2] - As a member of the EMVCo Advisory Board, 百富环球 has proactively optimized its products according to the EMVCo C-8 standards [2] Group 3: Product Evolution - The A920Pro will enhance security by effectively preventing new types of payment fraud and improve convenience by reducing integration workload and overall costs [3] - The product will ensure operational continuity during the migration process, allowing for a seamless transition while remaining compatible with existing systems [3] Group 4: Industry Outlook - With the rapid advancement of financial technology and government support for cashless economies, 百富环球 is positioned to enhance payment efficiency and security, contributing to the orderly development of the industry [3] - The leadership of top companies like 百富环球 is expected to drive the global electronic payment industry towards new prosperity [3]

Core Viewpoint - The article highlights the risks associated with "no-password payment" features in mobile payment systems, emphasizing the need for consumers to be cautious and proactive in managing their payment permissions to prevent unauthorized transactions [1][2][8]. Group 1: Risks of "No-Password Payment" - "No-password payment" allows transactions without password confirmation, which can be exploited by malicious actors, leading to significant security risks [2]. - The feature may result in cumulative losses from small unauthorized transactions, as platforms often set a single transaction limit (e.g., under 1000 yuan) but allow high-frequency small transactions [7]. Group 2: Preventive Measures - Consumers are advised to avoid enabling "no-password payment" unless necessary and to regularly check and manage payment permissions linked to their accounts [3][4]. - It is recommended to strengthen account security by using complex passwords, enabling two-factor authentication, and disabling unnecessary payment permissions, especially for Apple device users [3][4]. - Users should be cautious when using public Wi-Fi for payment operations to prevent phishing or data interception [5]. Group 3: Monitoring and Response - Establishing a habit of regularly checking account statements and notifications is crucial to detect unauthorized transactions promptly [6]. - In case of suspicious transactions, consumers should immediately freeze their payment channels and report the issue to the relevant payment platforms or authorities [9].