2. Click Bind Alipay, WeChat Pay or UnionPay Card to enter the account setting interface;
3. Select None in the payment method list, and click Finish to successfully close the secret-free payment function. You will soon receive a message prompting the successful closing.
Secret-free and visa-free payment means that small payments can be completed without passwords and consumer signatures. Internationally, small secret-free visa-free payment is a mature payment method, which is also widely used in the domestic mobile payment field. Alipay, WeChat and other payment tools all have this function, which is the basic function of bank card opening by default.
Application mode
The specific implementation method is as follows: once the user's mi band is bound to the mobile phone Alipay client, once the bracelet is close to the mobile phone, the operation of inputting the payment password can be omitted, and the payment can be completed directly by wearing the bracelet, thus realizing a convenient confidential-free payment process.
If consumers don't want to use the small secret visa-free payment function, they can also turn it off at any time. Debit cards and credit cards issued by bank outlets to consumers basically have the functions of small secret exemption, visa exemption and "flash payment" by default. If consumers want to turn off this function, they can call the customer service of the issuing bank to turn it off, or go to a bank outlet to handle it. To turn off this function, the cardholder only needs to apply to the bank card issuer.
control risk
Dong Ximiao, a senior researcher at Chongyang Financial Research Institute of Renmin University of China, believes that UnionPay's small-scale confidentiality has a high safety factor and adopts many advanced security technologies, which can effectively control risks and better balance safety and convenience. It turns out that the mobile payment products provided by UnionPay and banks pay more attention to security and have certain sacrifices in convenience. After increasing the amount, they can better balance safety and convenience.
A payment industry expert also said that for consumers, Alipay and WeChat have similar fast payment functions. As long as the risk prevention and control measures are in place, you can use them with confidence.
safety measure
1. When paying for goods, if you find terms and options such as "I agree" and "authorize" on the page, you should browse carefully and don't authorize functions such as "confidential payment" easily.
2. When setting up "confidential payment", users should also consider the frequency and amount of consumption on this platform. For those platforms with low frequency of use or high average consumption, users should try not to open confidential payment.
3. Users should avoid using birthdays and mobile phone numbers as passwords to avoid being used by criminals.
4. When "confidential payment" is enabled, users should set the monthly limit or one-time payment limit of confidential payment to avoid expanding losses.