Users in China will inevitably enter their mobile phone numbers and bind their bank cards when registering payment software accounts. Under the network requirements of real-name authentication, their ID numbers and home addresses must be clearly written into their accounts. This "transparent" personal information is easily used by hackers and non-senders.
Therefore, every Double Eleven or large-scale shopping festival, merchants will repeatedly explain to customers through videos, details pages, product cards and other channels. If someone calls for a refund or cash back, these are all fraudulent means. Don't believe it.
Social news often warns the public that single women must not throw away the express box with home address when shopping online, otherwise it will be easily targeted by criminals and become the main target of burglary; When buying goods, complaints about express delivery services often appear in social news and become the focus of attention and discussion.
Under the blessing of big data statistics, a network user's food, clothing, housing and transportation are recorded and analyzed through mobile payment. People often joke that the mobile phone seems to have a monitor installed in the brain, so you don't need to search where to eat and buy anything. Shopping software will actively recommend it to you. In fact, this is the result of big data behind the scenes.
Identity information
The convenience of mobile payment has brought huge privacy leakage, and the network is full of "traps" such as phishing trojans and induced links. According to a statistic, among the security problems encountered by mobile phone users in China, the fraud trap is as high as 88.3%, which is the highest security problem. In recent years, the number of users who have been cheated to pay in China is also rising.
Credit card or cash consumption supported by developed countries such as the United States invisibly protects personal privacy, unlike any domestic mobile terminal manufacturer that can pay by scanning code. To know that a merchant may involve countless shopping users, private vendors will naturally not have any network security measures like banks. Therefore, with the popularity of mobile payment, personal privacy leakage is likely to reach a pervasive level.
Personal information confidentiality
With the dependence on mobile phones and the aging population, the potential danger of "cashless" transactions first depends on the huge communication base stations. As far as 4G base stations are concerned, there are 5 million in China and only 200,000 in the United States. The United States, which is naturally sparsely populated, has no network conditions to fully support mobile payment, so credit cards and cash payments will inevitably become the first choice;
5G base station
The battery capacity is increasing, but there are still many people carrying chargers or looking for charging treasures all over the street. The big reason is that once the mobile phone is dead, mobile payment can't be operated, which is undoubtedly terrible for people who can't find a piece of cash all over now.
Although the prevalence of mobile payment has drastically reduced the number of counterfeit money cases, traditional cash transactions are completed at the same time under the supervision of both parties, that is, the so-called one-handed delivery. However, mobile payment allows fraudsters to exploit the loopholes by excuses and methods such as network delay and forging false transactions.
In order to ensure the security of mobile payment, users' money is traded through the third-party payment platform. Different from the independence of cash payment, mobile payment has great dependence on both merchants and users.
Third party platform
In addition, population aging is a problem that all countries in the world are facing. When the elderly operate mobile payment, there are potential problems in consumption habits, operational cognition and payment security. Even some elderly people don't have smart phones, so they can't make mobile payments at all.
And more and more businesses, in order to keep up with the so-called business trend, began to gradually cancel cash consumption, which will definitely make the elderly who can't pay by mobile face difficulties. It is not impossible to fully enter mobile payment in the future, so how the elderly should face such a consumption pattern is another potential problem that people need to seriously consider.
A careful study of mobile payment in China and credit card payment in developed countries such as the United States shows that their future development direction is very similar, that is, a safer and more secure consumer experience.
credit card
In fact, mobile payment, credit card payment and cash payment are just a way of life and consumption. There is nothing better, just how to realize a safer and more comprehensive payment model. I believe that mobile payment, credit card payment and cash transaction will continue to participate in people's consumption and shopping for a long time.
In the future, mobile payment may be more common, but the development of a society depends not only on whether it is more convenient, but also on whether it can simultaneously build infrastructure, laws and regulations related to people's livelihood and eliminate potential security risks; Can we accommodate the consumption pattern of the whole society and give the disadvantaged groups the humanistic care they deserve?