Supplementary information:
1. Small confidential visa-free payment:
That is, micro-payment can be completed without password and consumer signature. 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.
Second, small confidential payment security considerations:
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 "Secret-free Payment" is launched, users should set a monthly limit or a one-time payment limit for secret-free payment to avoid losses.
Operating environment:
Brand model: iPhone 13
System version: iOS 15.0
App version: 10.2.50
Three. About the confidential payment of Alipay;
Alipay's "payment code" function is turned on by default, and there is no need to verify the payment password. Every order less than or equal to 1000 yuan can be "confidential payment".
Fourth, about WeChat confidential payment:
It is also stated in the WeChat payment user service agreement that when the payment code is used to pay the consumption below 1 0,000 yuan (3,000 yuan for a specific merchant), the "confidential payment" transaction can be used.
Verb (abbreviation for verb) Measures taken by banks for confidential payment:
1. UnionPay and the bank set up special compensation for cardholders and provide 72-hour card loss protection service. That is to say, for UnionPay cards (including "China UnionPay Express") below 1000 yuan, if the card is lost or stolen, the cardholder can get compensation for stolen consumption within 72 hours before reporting the loss, and each cardholder can pay a maximum of 30,000 yuan per year.
2. The principle of compensation is "full risk compensation". In order to reduce the security concerns of cardholders, UnionPay and commercial banks have set up special compensation for cardholders, providing a small double-exemption "all-risk compensation" service, which can cover the fraudulent losses suffered by cardholders.