Preface
With the popularity of mobile payment, WeChat and Alipay have become indispensable payment tools in our daily lives. Whether it is shopping, transferring money or paying bills, it can be easily completed through these two apps, which greatly facilitates our lives. Along with this, there are some security risks, especially when using the auto-renewal and password-free payment features, which may bring unexpected "heavy bleeding" to the user's wallet.
"Small Organs" 1: Automatic renewal
The auto-renewal feature is widely used in some subscription services, such as video memberships, music memberships, software subscriptions, etc. When a user enables auto-renewal, the system will automatically deduct the fee and renew the service before the expiration date, which is convenient for the user and has certain risks.
Risk 1: Spending a lot of money unknowingly
Many users do not pay much attention to the relevant deduction rules when they enable automatic renewal, thinking that they can cancel it at any time, only to find that they have unknowingly spent a lot of money. Especially for some high-value membership services, if you forget to turn off auto-renewal in time, it is likely to put a lot of pressure on the user's wallet.
Risk 2: Unable to enjoy the refund in time
Some services will offer some preferential renewal packages before they expire, and users who have enabled auto-renewal are likely to miss out on these discounts and not be able to enjoy the preferential policy of refunds in time, which is equivalent to spending an extra amount of money in vain.
"Small Organs" 2: Password-free payment
The emergence of the password-free payment function has undoubtedly brought great convenience to the user's payment experience, especially in some frequent consumption scenarios, such as taking a taxi and paying bills, etc., which can eliminate the cumbersome password input link and quickly complete the payment. There are also certain security risks hidden behind this.
Risk 1: There is a hidden danger to the loss and theft of mobile phones
If the user's mobile phone is lost or stolen, and the password-free payment function is enabled in the mobile phone, then there is a high risk of funds being stolen. Especially for users who have not set the password for the lock screen of their mobile phones, they are simply "waiting for it to be stolen", and once the criminals get their hands on the phone, it will surely bring great losses to the user.
Risk 2: There are potential property safety hazards in the malicious operation of others
Even if the mobile phone is not lost or stolen, if the user's Alipay or WeChat does not set a security lock, there is also a risk of being maliciously operated by others. For example, if you are induced to click on a malicious link in the circle of friends, or if you are infected with a Trojan virus on your mobile phone, it is likely to lead to the theft of account funds.
How to avoid security risks
In the face of the possible security risks brought by these "small institutions", how should users effectively avoid them?
Turn off unwanted services in a timely manner
Users need to check their WeChat and Alipay accounts regularly, and turn off unnecessary auto-renewal and password-free payment services in a timely manner to avoid "unconscious hemorrhage" for their wallets due to negligence.
Set up a security lock
In order to improve the security of personal property, it is recommended that users turn on the security lock setting in Alipay and WeChat, and can choose fingerprint, face recognition or graphic password to avoid potential property security hazards caused by malicious operations by others.
Change your payment password regularly
In addition, in order to further improve the security of the account, users can also change the payment password regularly, and do not easily disclose their personal information and account password, so as not to give criminals an opportunity.
Seek professional help
For some unfamiliar payment settings, such as abnormal accounts, stolen funds, etc., users can contact Alipay and WeChat customer service in time, or seek help from other professionals to avoid unnecessary losses due to improper operation.
epilogue
Mobile payment has brought great convenience to our lives, but we must always be vigilant, improve security awareness, and do a good job in protecting personal privacy and property security. It is hoped that through the introduction of this article, more users can be aware of the possible security risks of "small institutions", and take effective measures to avoid these risks, so that mobile payment can truly become a "good helper" in our lives.