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“越付款越随性”
2017-08-07 08:32:07 中国青年网
杜瑶 陈卓珂
随着移动支付的发展,人们的消费交易习惯将逐渐远离现金、卡消费。毫无疑问,有了互联网,移动支付的前景是广阔的,但与之相伴的消费安全也不容忽视。“越付款越随性”的消费者,仍是隐患重重。
其中,最值得关注的是消费者信息的安全。专家指出,长期以来我国对于个人信息、隐私的保护机制都严重缺失,在互联网支付中已经出现过类似的用户信息泄露事件。在场景更开放的移动支付环境下,消费者个人信息的传播速度更快、传播面更广、回溯难度大,这一问题变得更加突出。
同时,移动支付的门槛降低,无论互联网支付还是移动支付,而相应的消费者整体安全习惯还较弱,社会需要的移动支付文化还未形成。例如,在抢微信红包的热潮中,一些红包群里有人发出与抢红包极为类似的链接,但进入后却是商户介绍,更有甚者引发木马中毒。假红包虽然引发了用户对微信支付的信任问题,但实质是与支付环境及支付安全习惯相关。
上海金融与法律研究院研究员傅蔚冈指出,“无现金社会”给人带来了各种便利,但是也并非完美无瑕,甚至有些缺陷还是致命的,因此在迎接“无现金社会”来临之前我们务必未雨绸缪。如何最大限度发挥其优势,通过各种技术手段来限制其弊病,恐怕并不仅仅是从业者,同时还是我们整个社会,都应当考虑的问题。
因此,为了你的支付安全,在使用微信付款时,慎重为好,力戒随性。
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