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 Insights - The article discusses the challenges ordinary people face in saving money, highlighting that low income is not the only reason for the inability to save [1][5] - It identifies five common spending habits that contribute to financial difficulties, urging readers to change these behaviors to improve their savings [44] Spending Habits - **1. Enabling One-Click Payments**: The convenience of online shopping and enabling small amount no-password payments leads to a lack of awareness about spending, resulting in increased expenditure [9][11][16] - **2. Frequent Purchase of Coffee and Milk Tea**: Regularly buying seemingly inexpensive items like coffee can accumulate significant costs over time, illustrating the "Latte Effect" where small daily expenses add up to large annual totals [18][22][24] - **3. Impulse Buying from Live Shopping**: Watching shopping live streams can lead to impulsive purchases, often resulting in buying items that are not truly needed, thus wasting money [27][30] - **4. Reliance on Takeout and Dining Out**: Choosing to eat out or order takeout instead of cooking at home incurs hidden costs, making it more expensive than preparing meals at home [32][34] - **5. Underestimating Small Expenses**: People often disregard small expenses, believing they are insignificant, but these can accumulate to a substantial amount over time, emphasizing the importance of valuing every dollar spent [36][38][41]

Core Viewpoint - The rise of "no-password payment" has led to unintended purchases, particularly among elderly consumers, highlighting the need for better consumer education and regulatory oversight [1][2]. Group 1: Issues with No-Password Payment - Elderly consumers have faced issues with "no-password payment," leading to accidental purchases that cannot be refunded, as seen in a recent incident involving the purchase of hundreds of chicks [1]. - The lack of awareness and caution among users, especially the elderly, has resulted in frequent financial losses due to the unintentional activation of "no-password payment" features [1]. - The payment process lacks clear responsibility and guidance, with the activation button for "no-password payment" being prominently displayed while the cancellation option is less visible [1]. Group 2: Recommendations for Improvement - Platforms must comply with legal regulations by clearly informing consumers about the conditions, risks, and cancellation methods associated with "no-password payment" [2]. - Consumers should carefully read user agreements before activating "no-password payment" and remain vigilant about their transaction notifications to identify any unauthorized charges [2]. - Regulatory bodies are encouraged to refine laws and regulations, urging technology companies to address security vulnerabilities and enhance oversight of payment platforms [2].

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].