Why does WeChat Pay require a mobile phone verification code?

For security reasons, WeChat payment requires a mobile phone verification code for the first two times, but not for the third time. The possible reasons are:

1. The bank corresponding to the bank card used for payment is in After two payments, the quick payment function is automatically activated.

2. The first two payments exceeded the threshold set by the bank and required verification due to personal fund security considerations. However, the third payment amount was small and lower than the set threshold, so quick payment was made directly. .

3. The receiving merchant is the same and has been recognized as a safe transaction.

There are two ways to solve the problem of remote authentication:

1. Increase the verification factor to increase the difficulty of the attack. For example, add ID card verification, email number verification, etc.

2. After relevant technical means mature, biometric information verification methods such as fingerprints, iris, and voice can be added. It is reported that fingerprint verification is currently available on Apple devices, and face recognition technology is becoming increasingly mature. "Face payment" will become the next tipping point for mobile payment. ?

Notes on using electronic payment

1. Do not open online banking or third-party payment platforms in your main bank account; do not store too much cash in an account with a third-party payment platform.

2. Do not use computers in public places to make online payments.

3. Don’t use WiFi if you don’t understand it.

4. Phishing websites are usually covered by fake payment pages. As long as you enter the official website through formal channels, you can avoid most malware such as Trojan viruses.

5. Only download mobile APPs from official channels, do not flash your phone frequently, do not receive unknown files, and do not scan unsafe QR codes.

6. It is best to use high-level passwords that combine numbers and letters for login passwords and payment passwords for third-party payment platforms such as Alipay.

7. Users who often use mobile phones to shop should develop the habit of setting a power-on password.

8. If your mobile phone, bank card, etc. are lost together, you should call to report the loss of your mobile phone card as soon as possible and call 95188 to freeze your Alipay account.