Doesn t it feel reliable to make a small password free payment? How do I protect my phone?

Micropayment is generally no problem, if your mobile phone has a virus and the password is stolen, then congratulations, the problem is bigger, your account funds will be slowly stolen through the small amount. So it's best to install a third-party software on your phone to protect your property to a certain extent. Like Tencent Mobile Manager and the like, you can do it; It can accurately identify phishing** and alert you to risks; Detect and kill the payment risk of high-imitation copycat mobile phone software, and encrypt and protect the verification code SMS of the user's online payment.

It is one of the initiators of the mobile payment security joint guardian program, and the payment security protection is more comprehensive The mobile security software can scan the payment environment for you in the background to ensure that there are no mistakes when paying.

Tencent Mobile Manager provides mobile payment vulnerability detection, and will prompt users to install patches to fix vulnerabilities after they are found; A "payment safe" will be created to detect the security of various online shopping and payment applications and find out malicious applications such as counterfeiting and drug possession

Hello, there is nothing unreliable, this depends on the situation, in general, there is no problem, if your mobile phone has a virus and the password is stolen, then congratulations, the problem is bigger, your account funds will be slowly stolen through a small amount. So it's best to install a third-party software on your phone to protect your property to a certain extent. Like Tencent Mobile Manager and the like, you can do it;

Alipay's password-free payment is risky.

Alipay's official response is that 100% compensation will be paid for stolen QR codes, indicating that there are still loopholes in password-free payment. Although Alipay's strong risk control data is controlled, there has still been a phenomenon of stolen swiping. Of course, the chances of this situation are very small, if you really want to use the passwordless payment function but are not at ease, you can buy account security insurance.

Another point is that passwordless payment will make users lose their "right to choose", and there may be times when they are hesitating to buy when they consume and pay, but there is no chance to regret when they open passwordless payment, and the money will be deducted immediately.

Taking Alipay's opening of the small-amount payment-free function as an example, the specific operation steps are as follows:

1. First of all, we need to log in to the personal account of Alipay on the computer version, enter the personal homepage, and click the [Account Settings] option;

2. On the [Account Settings] page that opens, click [Alipay Client Settings] on the left column, and then click the [Open] button for small-amount password-free payment on the right;

3. Enter the [Payment Password] and receive the [SMS Activation Code] of the sedan car in the open interface, and then click [Small Password-free Payment];

5. In the [Settings] interface that opens, click the [Payment Settings] option;

6. On the [Payment Settings] page that opens, click the [Passwordless Payment Automatic Deduction] option;

7. In the [Passwordless Payment Automatic Deduction] interface that opens, click the [Small-amount Passwordless Payment] option, and then enter the payment password to verify your identity;

8. In the [Small Passwordless Payment] interface that opens, click the [Passwordless Amount] option, and set the password-free amount according to personal needs (currently the minimum is 200 yuan, and you can't set the amount independently), and that's the end of it.

<> turn off password-free payment, take ** as an example, first open **app, click the "My**" icon in the lower right corner, then click the "Settings" option, then click the "Payment" option, then click the "Small Passwordless Payment" option, and finally click the "Close Service" option at the bottom of the page.

<>2. Then click on the "Settings" option in the My page.

3. After that, click on the "Payment" option on the Void Void page.

4. Then click on the "Small Amount Passwordless Payment Banquet" option.

5. Finally, click on the "Turn off service" option at the bottom.

Operating environmentMake model: Redmi Note 8 Pro

System Version:Software Version: **

<>nbsp;<> turn off password-free payment, take ** as an example, first open **app, click the "My**" icon in the lower right corner, then click the "Settings" option, then click the "Payment" option, then click the "Small Passwordless Payment" option, and finally click the "Close Service" option at the bottom of the page.

**Steps to turn off micro-value password-free payments

<>2. Then click on the "Settings" option in the My page.

3. After that, click on the "Payment" option in the settings page.

4. Then click on the "Password-free Payment" option.

5. Finally, click on the "Turn off service" option at the bottom.

Operating environmentMake model: Redmi Note 8 Pro

System version Software version: **

Passwordless payments are not secure.

Password-free micropayment, as the name suggests, is that the payment can be completed without entering a password, and the amount is generally less than 1,000 yuan.

If the phone is lost and picked up, it is somewhat insecure, because as long as the payment is small, there is no need to pay the password. Close Alipay's small-amount password-free payment method:

1.Open your browser and log in to Alipay;

2.After logging in successfully, click Account Settings, click Alipay Wallet Settings;

3.Find the small passwordless payment and click Close at the end.

Alipay users who have opened a small amount of password-free, please pay attention.

If:1Opened a small amount of password-free.

2.Someone took your phone (say it was stolen).

3.You have Alipay+** Tmall installed on your phone and have logged in and saved your password.

At this time: the person who takes your mobile phone can use your mobile phone to buy things below 200 without entering the password, such as charging the mobile phone bill.

Don't think that a gesture before entering Alipay can prevent this. ** Tmall does not use gestures to jump directly into Alipay. Gestures are completely useless.

So: if your phone is stolen and you meet the above conditions, then immediately go and turn off the small amount of password-free and change the password at the same time. Then Fortune Pass also has this function, so students who use Fortune Pass should also pay attention to this.

In fact, there is no need to open a small payment for this, and it doesn't take long to enter a password. Operations without SMS verification or password entry are somewhat secure.

Pay attention to protect Alipay's password, mobile phone Alipay and then set the gesture password to log in, pay attention to the timely replacement of the card after the loss of the mobile phone to modify all kinds of passwords, usually more security-conscious, you can open Alipay small password-free payment, the small amount is only 500 yuan limit, more than will still be required to enter the payment password.

If your card number and Alipay account are known, you can pay at will, so it is important to keep the information confidential.

Not very safe, in case the phone is stolen, Alipay money is not safe.

After the user activates "passwordless payment", the transaction below a certain amount does not require a payment password or online banking password. In fact, the insecurity factors behind the "password-free payment" do not only exist in the purchase of plane tickets, tickets and other scenarios, the reporter checked previous reports and found that members automatically renew, small transfer payments, etc., have been "pitted".

Case 1: Buy a 1-month membership.

Inexplicably deducted for two months.

In June 2017, Mr. Xu, a citizen of Guangzhou, reported that previously, he had purchased an iQiyi membership on the Alipay client for a month, but received automatic renewal deduction notices from Alipay Huabei two months after the membership expired.

This is obviously a consumer trap for merchants, who authorize auto-renewal without the consumer's consent. Mr. Xu thinks. 3 months ago, Mr. Xu purchased an iQiyi membership through the Alipay client, and did not find any prompts indicating that it would be automatically renewed by default when purchasing.

Reminders

The user may file a complaint by complaint or

Litigation to recover lossesZuo Shenggao reminds consumers not to use the password-free payment license of the third-party payment platform as much as possible, and at the same time pay attention to the non-obvious prompt information in the terms when signing the standard terms of the relevant membership services, so as not to fall into the consumption trap. "When consumers encounter such automatic renewals, they should negotiate or appeal with the service provider in a timely manner. If the negotiation fails, you can first file a complaint with the administrative department for industry and commerce or the consumer rights protection association.

Of course, consumers can also apply to the court for the invalidity of the clause through litigation, so as to protect their legitimate rights and interests. Zuo Shenggao said.

Several common crypto-free payment risks

1 Membership is automatically renewed by default when you purchase a membership

2 Quick payment: transfer without password

3. Borrow a small amount of password-free exchange *** to collect money

Complete the transaction