What are the security risks of increasingly convenient mobile payment?

Now more and more people pay by mobile phone, but do you really know about mobile phone payment? Do you know the 18 digit payment code on WeChat or Alipay? Mr. Zhang from Xiamen lost his "money bag" because he couldn't understand the number 18.

[Digital payment code fraud]

Nowadays, more and more people pay by mobile phone, and scammers also aim at this payment method. Fraud is hard to prevent. Mr. Zhang from Xiamen was defrauded of more than 5,000 yuan by giving the payment code of 18 digits to the "merchant" when paying by WeChat. In Foshan, Guangdong, there are dozens of similar fraud cases this year. Everyone must pay attention!

How did Mr. Zhang get involved in the scam?

The first step of fraud: WeChat red envelope payment was rejected

He bought something worth 200 yuan online and wanted to pay with WeChat red envelope, but he was told that he couldn't pay with WeChat red envelope, saying that red envelope transfer can only be made to personal account, not to company account.

The second step of fraud: ask to send a digital payment code.

The scammer asked Mr. Zhang to enter the payment interface of WeChat wallet and asked to send 18 digits on the barcode. He did not hesitate to send it directly, and the liar deducted 2800 yuan from Mr. Zhang's account.

The third step of fraud: falsely claiming that the refund is repeated and asking for the payment code.

After the payment code was issued, the money was deducted. Then, the liar asked for the payment code of 18 digits again on the grounds of deducting the wrong amount, and deducted 2790 yuan from Mr. Zhang's account again. Just because he gave the other party a digital payment code of 18, Mr. Zhang's more than 5,000 yuan disappeared.

Attention, everyone, 18 digit digital payment code can be used for payment.

The success of this scam is to take advantage of everyone's blind spot in understanding the 18 digits on the bar code! Many people don't know that 18 digit digital payment code is equivalent to payment barcode! (The following explanation takes WeChat as an example, and so does Alipay. )

When using mobile phone WeChat or Alipay to pay, after clicking the payment page, the barcode, QR code and payment code number will be displayed. These three functions are the same, and you know that any one of them can be deduced.

The QR code payment code is relatively safe, because the QR code will change, and it is useless for the other party to see the screenshot. And if you provide the payment code number to the other party, the other party can transfer the money from your account.

Serious reminder, don't tell others directly the 18 digit payment code, which is likely to be a trap.

[Don't pay "four" with your mobile phone.

In addition to using payment codes for fraud, these mobile phone usage habits in daily life will also lead to fraud.

/Don't shop in the mobile browser/

It is best not to skip the shopping software and shop directly in the mobile browser. Browser shopping is prone to phishing websites, and the probability of being cheated is greater.

/Don't pay with public ***WiFi/

When making mobile payment, please ensure the security of the network environment, and do not use WiFi in public places or free WiFi for mobile payment. The security of free WiFi is not high, and it is easy to disclose personal information, making it easy to become the target of payment virus attacks.

/Don't scan the QR code/

Don't scan the QR code indiscriminately, whether it is pushed by the merchant or seen on the website, don't scan it easily. An inadvertent malicious virus may trouble you and your information may be stolen.

/Don't click on the link in the SMS/

When you receive some customer service messages, if there are links in the messages, please be vigilant. You can call the official customer service phone directly to confirm. Don't click the abnormal link to avoid phone poisoning.