Workflow
免密支付
icon
Search documents
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 ...
你被免密支付“坑”过吗?
Sou Hu Cai Jing· 2025-09-02 03:18
但是,"无感消费"在方便之余,也伴随一些糟心事。有家长发现孩子没经过同意,就在电商、游戏平台用免密付了钱;还有老人操作不熟练,误点开通免 密,钱扣了都不知道。某投诉平台上,关于免密支付的投诉多达6.5万条。 坐公交扫码进站、便利店随手一刷、视频会员自动续费……您发现没有,现在花钱变得越来越"没感觉"。 翻翻手机,无论支付宝、微信,还是京东、滴滴、抖音、美团、携程,几乎都有免密支付或自动扣款服务。 山西的小王跟本刊记者吐槽,她妈妈喜欢拼单、网购,有段时间总收到莫名快递。小王研究了半天才"破案",是妈妈无意间开通了免密支付,一键下单、无 需支付密码,不知不觉买回来不少没用的东西。 复旦大学国际金融学院助理教授唐敦哲认为,免密支付能够极大程度缩短支付链条、提升支付效率,因此越来越多的平台开始在页面设计上做文章,让免密 支付的开通具有诱导性。 免密支付容易让人"脑子一热"乱花钱。95后小楠就有这体会:以前输密码时还会犹豫"这东西真需要吗",开了免密后,一键下单,月底看账单才发现花多 了。"完全没了花钱的实感,刷着刷着脑子一热就下单了。" 清华大学消费金融研究院的调研显示,用"免密支付"的人,单次消费金额平均涨了18% ...
「关不掉」的免密支付,肥了平台的钱包?
36氪· 2025-08-27 13:35
Core Viewpoint - The article discusses the risks associated with the "no-password payment" feature, which has gained attention due to user complaints about unauthorized charges and the ease of accidental activation of this feature on various platforms [4][5][6]. Summary by Sections User Complaints and Risks - Many users have reported unauthorized charges after unknowingly activating the no-password payment feature, with amounts ranging from thousands to tens of thousands of yuan [5][8]. - The feature is particularly concerning for vulnerable groups such as children and the elderly, who may activate it without understanding the implications [8][10]. - A significant number of complaints (64,000) have been filed regarding no-password payments, with users describing it as a "霸王条款" (unfair clause) that is difficult to cancel [8][10]. User Experience and Activation Process - The activation process for no-password payments is often simplified to a single click, while the cancellation process can require multiple steps, making it cumbersome for users [12][15]. - Platforms like WeChat and Taobao have been criticized for not providing clear notifications about the activation of no-password payments, leading to unintentional subscriptions and charges [12][15]. Financial Impact on Businesses - Research indicates that no-password payment users tend to spend 18% more, but the return rate has increased by 40%, suggesting that while it facilitates purchases, it may also lead to impulsive buying [18]. - Some major platforms have reportedly generated over 10 billion yuan in additional revenue due to the default activation of no-password payment features [19]. Regulatory Environment - Existing regulations require businesses to clearly inform consumers about automatic renewals and no-password payments, but many platforms do not comply [21][22]. - Users face significant challenges in seeking accountability from platforms when unauthorized charges occur, as platforms often cite user consent as a defense [22][23]. Recommendations for Improvement - The article emphasizes the need for platforms to respect consumer autonomy in payment processes and to enhance risk management measures to prevent unauthorized transactions [23].
「关不掉」的免密支付,肥了平台的钱包?
Core Viewpoint - The discussion around the risks of "no-password payment and automatic deduction" has gained significant attention on social media, highlighting the potential financial losses users face due to unauthorized transactions after enabling these features [1][2][11]. Group 1: User Experience and Risks - Many users, particularly children and the elderly, unknowingly activate no-password payment features, leading to unexpected charges on e-commerce and membership platforms [7][11]. - Complaints related to no-password payments have reached 64,000 on the Black Cat Complaint platform, with users expressing frustration over the difficulty in canceling these features once activated [7][11]. - The Chinese online payment user base has reached 1 billion, with a stable penetration rate of no-password payments, indicating a vast number of potential victims if risks are not addressed [11]. Group 2: Activation and Deactivation Challenges - The process to activate no-password payments is often simplified to a single click, while deactivating it typically requires multiple steps, making it cumbersome for users [13][15]. - Different platforms have varying interfaces and terminologies for disabling no-password payments, adding to user confusion and difficulty in cancellation [15][17]. Group 3: Business Incentives - Platforms promote no-password payments as they can increase consumer spending, with average transaction values rising by 18%, while return rates have increased by 40% [18]. - Some leading platforms reportedly generate over 10 billion yuan annually from default no-password payment settings [19]. Group 4: Regulatory Environment and Accountability - Existing regulations require businesses to clearly inform consumers about automatic renewals and payments, yet many platforms fail to comply [20][21]. - Users face significant challenges in holding platforms accountable for unauthorized transactions, as companies often cite user consent as a defense [21].
“关不掉”的免密支付,肥了平台的钱包?
凤凰网财经· 2025-08-21 12:54
Core Viewpoint - The article highlights the risks associated with the "no-password payment" feature, which has led to unauthorized charges for many users, prompting discussions on social media about the need to disable such features [1][2]. Group 1: Risks of No-Password Payment - Many users unknowingly activate the no-password payment feature, leading to unexpected charges, particularly on e-commerce platforms and subscription services [2]. - The feature disproportionately affects vulnerable groups, including children and the elderly, who may inadvertently enable it without proper consent or understanding [2]. - Complaints related to no-password payments have reached 64,000 on the Black Cat Complaint platform, with many users citing "unfair terms" that make it difficult to cancel the feature [2][4]. Group 2: User Experience and Platform Practices - Despite warnings from authorities, many platforms continue to promote no-password payments, making it easy for users to activate but challenging to deactivate [5][9]. - Users often face multiple steps to disable the feature, with some platforms requiring up to six steps to complete the process [7][9]. - The inconsistency in interface design across platforms complicates the cancellation process, with some platforms even prompting users for reasons to cancel [9][10]. Group 3: Financial Implications for Businesses - Research indicates that no-password payment features can increase consumer spending by 18%, but also lead to a 40% increase in return rates, suggesting impulsive buying behavior [11]. - Some leading platforms reportedly earn over 10 billion yuan annually from defaulting users into no-password payment settings [12]. Group 4: Regulatory Environment and Accountability - Existing regulations require businesses to clearly inform consumers about automatic renewals and no-password payments, but many platforms fail to comply [13][14]. - Users face significant challenges in holding platforms accountable for unauthorized charges, as companies often cite user consent as a defense [14][15]. - The lack of effective risk management in payment systems has been highlighted in various fraud cases, indicating a need for improved security measures [15].
“不起眼,却很烧钱”的5个消费习惯,正在榨干你的钱包!别大意
Xin Lang Cai Jing· 2025-05-16 12:21
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]
支付要便捷也要安全
Jing Ji Ri Bao· 2025-05-03 21:56
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].
误购550只小鸡崽不可退,免密支付的“隐忧”
Jin Rong Shi Bao· 2025-04-23 03:10
但不可否认的是,"免密支付"带来的风险隐患也不容忽视。 近日,安徽蚌埠一位老人误下单花790元购买550只小鸡崽的事件登上热搜,引发社会广泛关注。 老人因不熟悉网购操作,在开启免密支付的情况下完成交易,收到货时才发现误购。而商家以活物不可 以退款为由拒绝退货,无奈之下,这些小鸡崽只能被养在亲戚家的鸡棚里。 "现在免密支付也是有点夸张了""看谁还敢用到免密支付"……从网友的评论中可以看到,"免密支付"遭 遇了质疑,一定程度上体现出消费者权益在特殊商品交易中的困境。 其实,在移动支付盛行的当下,免密支付凭借极致的便捷性,极大地提升了支付效率,优化了用户体 验。在小额支付场景中,如乘坐公交地铁、便利店购物、线上小额消费等,免密支付让交易瞬间达成, 节省了时间与精力。 如何让免密支付更好地服务消费者,同时保障消费者权益? 从外部环境来看,支付平台应承担起更多的责任,在设计和推广免密支付功能时,要充分考虑用户的安 全需求,尤其是对于老年用户群体,应提供更人性化的服务。例如,在老年模式下默认关闭免密支付功 能,设置明确且易于操作的开通和关闭路径,避免用户在不知情或误操作的情况下开通该功能;同时, 加强风险提示,以显著方式 ...
电商支付“免密”,方便了谁?
Bei Jing Shang Bao· 2025-03-25 11:15
被莫名扣款、退款难追回、使用功能存在信息差……部分被扣款的用户因"免密支付"陷入与平台的拉扯中。专业人士认为,除了用户要求,非必要不开启该 功能,平台方应采取充分的技术手段确保用户资金和个人信息安全,严格遵守相关法规。 据了解,当用户选择电商平台的"免密支付"后,下单购买商品或服务便无需再输入密码来确认支付,是一项部分支付平台或应用为提升支付便捷性推出的功 能。该功能开通后,用户单笔交易金额在一定限额内可直接扣款。 电商支付"免密",方便了谁? 一项意图方便用户购物、提升消费体验的电商"免密支付"服务,却潜藏了诸多隐患。3月25日,中国消费者协会发布消费提示,提醒用户网络购物谨慎使用 手机"免密支付"功能,避免因账户权限过度开放而引发资金损失。 暗藏盗刷风险 然而,中国消费者协会提及,上述功能若被不法分子利用,可能带来严重安全隐患。首先,用户的手机丢失或账号泄露时,风险会激增,其他人可通过"免 密支付"直接消费或购买虚拟服务,且无需二次验证。 不仅如此,尽管"免密支付"有设定单笔金额上限,但不法分子如果在短时间内高频次小额盗刷,仍会造成用户较大经济损失。更值得关注的是,"免密支 付"由于能在一定额度内自动扣款 ...
中消协发布重要提示!
券商中国· 2025-03-25 06:16
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].