手机这个功能，谨慎使用！
<section style="margin-bottom: 16px;" data-mpa-powered-by="yiban.io"></section><p><section data-role="outer" label="edit by 135editor" style="margin-bottom: 0px;"><section data-role="outer" label="edit by 135editor"><section data-role="paragraph"><section data-role="outer" label="edit by 135editor"><section data-role="paragraph" style="height: 0px;"><br/></section><p style="text-align:center;line-height: 1.75em;"><span style="font-family: 微软雅黑, Microsoft YaHei;font-size: 16px;">近期，中国消费者协会陆续收到</span></p><p style="text-align:center;line-height: 1.75em;"><span style="color: rgb(2, 30, 170);font-size: 16px;"><strong><span style="color: rgb(2, 30, 170);font-family: 微软雅黑, Microsoft YaHei;">消费者声称因“免密支付”功能</span></strong></span></p><p style="text-align:center;line-height: 1.75em;"><span style="color: rgb(2, 30, 170);font-size: 16px;"><strong><span style="color: rgb(2, 30, 170);font-family: 微软雅黑, Microsoft YaHei;">导致账户资金被盗刷的投诉</span></strong></span></p><p style="text-align:center;line-height: 1.75em;"><span style="font-family: 微软雅黑, Microsoft YaHei;font-size: 16px;"><br/></span></p><p style="text-align:center;line-height: 1.75em;"><span style="font-family: 微软雅黑, Microsoft YaHei;font-size: 16px;">今天（25日）</span></p><p style="text-align:center;line-height: 1.75em;"><span style="font-family: 微软雅黑, Microsoft YaHei;font-size: 16px;">中国消费者协会发布消费提示</span></p><p style="text-align:center;line-height: 1.75em;"><span style="font-family: 微软雅黑, Microsoft YaHei;font-size: 16px;">网络购物谨慎使用</span></p><p style="text-align:center;line-height: 1.75em;"><span style="font-family: 微软雅黑, Microsoft YaHei;font-size: 16px;">手机“免密支付”功能</span></p><p style="text-align:center;line-height: 1.75em;"><span style="font-family: 微软雅黑, Microsoft YaHei;font-size: 16px;">避免因账户权限过度开放</span></p><p style="text-align:center;line-height: 1.75em;"><span style="font-family: 微软雅黑, Microsoft YaHei;font-size: 16px;">而引发资金损失</span></p><p style="text-align:center;line-height: 1.75em;"><span style="font-family: 微软雅黑, Microsoft YaHei;font-size: 16px;"></span></p><p style="text-align:center;line-height: 1.75em;"><span style="font-family: 微软雅黑, Microsoft YaHei;font-size: 16px;"><br/></span></p><section data-role="title" data-tools="135编辑器" data-id="87707" data-color="#053fb5" style="margin-bottom: 0px;color: rgb(34, 34, 34);letter-spacing: 0.544px;background-color: rgb(255, 255, 255);outline: 0px;visibility: visible;font-family: system-ui, -apple-system, BlinkMacSystemFont, Helvetica Neue, PingFang SC, Hiragino Sans GB, Microsoft YaHei UI, Microsoft YaHei, Arial, sans-serif;"><section style="padding: 10px;outline: 0px;text-align: center;visibility: visible;line-height: 1.75em;"><section style="padding: 8px 15px;outline: 0px;display: inline-block;border-radius: 3px;color: rgb(254, 254, 254);font-size: 1em;box-shadow: rgb(165, 165, 165) 0.1em 0.1em 0.2em;background-color: rgb(5, 63, 181);visibility: visible;"><p data-brushtype="text" style="outline: 0px;line-height: 22px;font-size: 18px;visibility: visible;"><span style="outline: 0px;visibility: visible;letter-spacing: 1px;font-size: 16px;"><strong style="outline: 0px;visibility: visible;"><span style="outline: 0px;visibility: visible;font-family: 微软雅黑, Microsoft YaHei;letter-spacing: 0.578px;">为何“免密支付”易成盗刷漏洞？</span></strong></span></p></section></section></section><section style="line-height: 1.75em;text-indent: 2em;"><span style="font-family: 微软雅黑, Microsoft YaHei;font-size: 16px;">“免密支付”即“无需密码确认支付”，是部分支付平台或应用为提升支付便捷性推出的功能，用户开通后，单笔交易金额在一定限额内可直接扣款。然而，这一功能若被不法分子利用，可能带来严重安全隐患。</span></section><ul class=" list-paddingleft-2" style="list-style-type: square;"><li><p style="line-height:1.75em;"><span style="font-size: 16px;"><span style="color: rgb(2, 30, 170);"><strong><span style="font-family: 微软雅黑, Microsoft YaHei;">手机丢失或账号泄露时风险激增。</span></strong></span><span style="font-family: 微软雅黑, Microsoft YaHei;">若他人获取您的账号或设备，可通过“免密支付”直接消费或购买虚拟服务，且无需二次验证。</span></span></p></li><li><p style="line-height:1.75em;"><span style="font-size: 16px;"><span style="color: rgb(2, 30, 170);"><strong><span style="font-family: 微软雅黑, Microsoft YaHei;">小额免密累积大额损失。</span></strong></span><span style="font-family: 微软雅黑, Microsoft YaHei;">部分平台免密额度虽设单笔上限（如1000元以下），但短时间内高频次小额盗刷仍会造成较大经济损失。</span></span></p></li><li><p style="line-height:1.75em;"><span style="font-size: 16px;"><span style="color: rgb(2, 30, 170);"><strong><span style="font-family: 微软雅黑, Microsoft YaHei;">隐蔽性强，难以及时察觉。</span></strong></span><span style="font-family: 微软雅黑, Microsoft YaHei;">盗刷交易通常通过绑定支付平台的虚拟服务（如游戏充值、App订阅）完成，或者在机主凌晨熟睡时段完成，消费者发现时往往已产生多笔扣款。</span></span></p></li></ul><p style="line-height:1.75em;"></p><section data-role="title" data-tools="135编辑器" data-id="87707" data-color="#053fb5" style="margin-bottom: 0px;color: rgb(34, 34, 34);letter-spacing: 0.544px;background-color: rgb(255, 255, 255);outline: 0px;visibility: visible;font-family: system-ui, -apple-system, BlinkMacSystemFont, Helvetica Neue, PingFang SC, Hiragino Sans GB, Microsoft YaHei UI, Microsoft YaHei, Arial, sans-serif;"><section style="padding: 10px;outline: 0px;text-align: center;visibility: visible;line-height: 1.75em;"><section style="padding: 8px 15px;outline: 0px;display: inline-block;border-radius: 3px;color: rgb(254, 254, 254);font-size: 1em;box-shadow: rgb(165, 165, 165) 0.1em 0.1em 0.2em;background-color: rgb(5, 63, 181);visibility: visible;"><p data-brushtype="text" style="outline: 0px;line-height: 22px;font-size: 18px;visibility: visible;"><span style="outline: 0px;visibility: visible;letter-spacing: 1px;font-size: 16px;"><strong style="outline: 0px;visibility: visible;"><span style="outline: 0px;visibility: visible;font-family: 微软雅黑, Microsoft YaHei;letter-spacing: 0.578px;">支付风险的主动防范措施有哪些？</span></strong></span></p></section></section></section><section style="line-height: 1.75em;text-indent: 2em;"><span style="font-family: 微软雅黑, Microsoft YaHei;font-size: 16px;">为降低盗刷风险，建议消费者采取以下措施：</span></section><ul class=" list-paddingleft-2" style="list-style-type: square;"><li><p style="line-height: 1.75em;margin-bottom: 0px;"><span style="color: rgb(2, 30, 170);font-size: 16px;"><strong><span style="color: rgb(2, 30, 170);font-family: 微软雅黑, Microsoft YaHei;">非必要不开启“免密支付”</span></strong></span></p></li></ul><section style="line-height: 1.75em;text-indent: 2em;"><span style="font-family: 微软雅黑, Microsoft YaHei;font-size: 16px;">检查是否绑定支付宝、微信或银行卡，并关闭“免密支付”权限。若需保留部分免密服务，建议单独设置。另外定期检查授权应用，移除不常用或不信任的第三方应用支付授权。</span></section><ul class=" list-paddingleft-2" style="list-style-type: square;"><li><p style="line-height: 1.75em;margin-bottom: 0px;"><span style="color: rgb(2, 30, 170);font-size: 16px;"><strong><span style="color: rgb(2, 30, 170);font-family: 微软雅黑, Microsoft YaHei;">强化账户安全保护</span></strong></span></p></li></ul><section style="line-height: 1.75em;text-indent: 2em;"><span style="font-family: 微软雅黑, Microsoft YaHei;font-size: 16px;">一是设置高强度密码并注意更换。避免使用生日、连续数字等简单密码，并开启双重认证功能，防止账号被恶意登录。</span></section><section style="line-height: 1.75em;text-indent: 2em;"><span style="font-family: 微软雅黑, Microsoft YaHei;font-size: 16px;"><br/></span></section><section style="line-height: 1.75em;text-indent: 2em;"><span style="font-family: 微软雅黑, Microsoft YaHei;font-size: 16px;">二是关闭非必要支付权限，尤其是苹果手机用户如无需通过账户进行应用购买，可禁用相关功能。</span></section><section style="line-height: 1.75em;text-indent: 2em;"><span style="font-family: 微软雅黑, Microsoft YaHei;font-size: 16px;"><br/></span></section><section style="line-height: 1.75em;text-indent: 2em;"><span style="font-family: 微软雅黑, Microsoft YaHei;font-size: 16px;">三是谨慎使用公共Wi-Fi，避免在公共网络环境下进行支付操作，防止网络钓鱼或数据截取。</span></section><ul class=" list-paddingleft-2" style="list-style-type: square;"><li><p style="line-height: 1.75em;margin-bottom: 0px;"><span style="color: rgb(2, 30, 170);font-size: 16px;"><strong><span style="color: rgb(2, 30, 170);font-family: 微软雅黑, Microsoft YaHei;">养成定期对账习惯</span></strong></span></p></li></ul><section style="line-height: 1.75em;text-indent: 2em;"><span style="font-family: 微软雅黑, Microsoft YaHei;font-size: 16px;">及时查看账单通知，关注支付宝、微信或银行发送的扣款短信，发现不明消费立即核查。定期检查订阅服务，取消不再需要的自动续费项目。</span></section><p style="line-height:1.75em;"><span style="font-family: 微软雅黑, Microsoft YaHei;font-size: 16px;"><br/></span></p><section data-role="title" data-tools="135编辑器" data-id="87707" data-color="#053fb5" style="margin-bottom: 0px;color: rgb(34, 34, 34);letter-spacing: 0.544px;background-color: rgb(255, 255, 255);outline: 0px;visibility: visible;font-family: system-ui, -apple-system, BlinkMacSystemFont, Helvetica Neue, PingFang SC, Hiragino Sans GB, Microsoft YaHei UI, Microsoft YaHei, Arial, sans-serif;"><section style="padding: 10px;outline: 0px;text-align: center;visibility: visible;line-height: 1.75em;"><section style="padding: 8px 15px;outline: 0px;display: inline-block;border-radius: 3px;color: rgb(254, 254, 254);font-size: 1em;box-shadow: rgb(165, 165, 165) 0.1em 0.1em 0.2em;background-color: rgb(5, 63, 181);visibility: visible;"><p data-brushtype="text" style="outline: 0px;line-height: 22px;font-size: 18px;visibility: visible;"><span style="outline: 0px;visibility: visible;letter-spacing: 1px;font-size: 16px;"><strong style="outline: 0px;visibility: visible;"><span style="outline: 0px;visibility: visible;font-family: 微软雅黑, Microsoft YaHei;letter-spacing: 0.578px;">遭遇盗刷后如何快速应对？</span></strong></span></p></section></section></section><section style="line-height: 1.75em;text-indent: 2em;"><span style="font-size: 16px;"><span style="color: rgb(2, 30, 170);"><strong><span style="font-family: 微软雅黑, Microsoft YaHei;">若发现账户存在异常交易：</span></strong></span></span></section><ul class=" list-paddingleft-2" style="list-style-type: square;"><li><p style="line-height:1.75em;"><span style="font-family: 微软雅黑, Microsoft YaHei;font-size: 16px;">首先应立即冻结支付渠道，通过银行客服、支付宝或微信平台紧急冻结关联账户，阻止后续扣款。</span></p></li><li><p style="line-height:1.75em;"><span style="font-family: 微软雅黑, Microsoft YaHei;font-size: 16px;">其次留存证据并投诉：保留盗刷记录截图、交易时间等信息，向支付平台投诉。</span></p></li><li><p style="line-height:1.75em;"><span style="font-family: 微软雅黑, Microsoft YaHei;font-size: 16px;">若损失金额较大，需及时向公安机关报案，并配合提供相关证据材料。</span></p></li></ul><section style="line-height: 1.75em;text-indent: 2em;"><span style="font-size: 16px;"><span style="font-size: 16px;color: rgb(2, 30, 170);"><strong><span style="font-family: 微软雅黑, Microsoft YaHei;">中国消费者协会郑重提醒广大消费者：</span></strong></span><span style="font-size: 16px;font-family: 微软雅黑, Microsoft YaHei;">移动支付的便捷性不应以牺牲安全性为代价。请务必提高警惕，主动管理支付权限，切勿因图方便而忽视潜在风险。如遇消费纠纷，可拨打热线电话或通过“全国消协智慧315”平台进行维权。</span></span></section></section></section></section><section><span style="font-size: 16px;color: rgb(136, 136, 136);"></span></section></section><section style="margin-bottom: 0px;outline: 0px;letter-spacing: 0.578px;caret-color: rgba(0, 0, 0, 0);font-family: system-ui, -apple-system, BlinkMacSystemFont, Helvetica Neue, PingFang SC, Hiragino Sans GB, Microsoft YaHei UI, Microsoft YaHei, Arial, sans-serif;color: rgb(73, 73, 72);font-size: 14px;background-color: rgb(255, 255, 255);line-height: 2em;"><br style="outline: 0px;"/></section><section style="margin-bottom: 0px;outline: 0px;letter-spacing: 0.544px;caret-color: rgba(0, 0, 0, 0);font-family: system-ui, -apple-system, BlinkMacSystemFont, Helvetica Neue, PingFang SC, Hiragino Sans GB, Microsoft YaHei UI, Microsoft YaHei, Arial, sans-serif;background-color: rgb(255, 255, 255);line-height: 2;font-size: 16px;visibility: visible;"><h2 data-css="border-left-color: rgb(249, 7, 7);border-left-style: solid;border-left-width: 5px;color: rgb(102, 102, 102);font-size: 16px;line-height: 32px;margin-bottom: 10px;margin-top: 10px;padding: 5px 10px" placeholder="请输入标题" style="margin-bottom: 0em;outline: 0px;color: rgb(56, 114, 161);letter-spacing: 0.544px;widows: 1;caret-color: rgb(51, 51, 51);text-align: start;font-family: -apple-system-font, BlinkMacSystemFont, Helvetica Neue, PingFang SC, Hiragino Sans GB, Microsoft YaHei UI, Microsoft YaHei, Arial, sans-serif;"><section 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