In our daily life, in addition to using WeChat for social networking, more often we may choose to use WeChat Pay. WeChat payment has become a habit in our lives, which is convenient and fast, making it more convenient for us to shop, dine, etc. There are two common payment methods for WeChat Pay.
One is through WeChat's scanning function, we can open WeChat, and then use the mobile phone camera to scan the *** provided by the merchant to complete the payment.
Another payment method is through our own payment***When we need to pay the merchant, we can open WeChat, enter the payment page, and generate our own payment***
These two WeChat payment methods do have some differences in practice, and security can also be affected in different ways. First of all, let's take a look at the first payment method, which is I sweep you.
After scanning***, we need to manually enter the payment amount, and may need to enter the payment password, and the payment will only be completed after the verification is passed. This method is more secure, because the payment process requires us to manually enter the amount and password, and the operation is relatively more autonomous and secure.
The second payment method is for the merchant to scan our payment*** to make the payment. In this case, the merchant uses their barcode scanning device to scan the payment we generated*** and then enter the payment amount and confirm the payment.
Although this method is also more convenient, the security is relatively low, because the initiative of payment is in the hands of the merchant, we cannot control the actual amount paid, and we do not need a password, so the security is reduced.
The main thing is that every time we make a payment, we need to enter the payment password ourselves, which helps to improve the security of the payment.
However, the advantages correspond to some disadvantages. First of all, the payment amount needs to be manually entered for each payment, which increases the likelihood that the payment process will be wrong. If we accidentally enter the wrong amount, it can lead to payment problems and the need for a refund or retrospective payment, which can lead to some trouble.
Secondly, some criminals may use technical means to replace the merchant's *** with their own *** so that we can pay the money to their account without knowing it.
This payment method is usually operated by a dedicated cashier in a large supermarket or shopping mall. When making a payment, we only need to show our own payment***, and we do not need to manually enter the payment amount. For small transactions with a payment amount of less than 1,000 yuan, there is usually no need to enter the payment password.
Compared with the way I scan you, the way you scan me is indeed more convenient, but correspondingly, we need to pay more attention to payment security and avoid payment in an unsafe environment to avoid being attacked by criminals.
However, don't worry too much, because all merchants who can use these code scanning devices have legally accessed the network at the payment institution, submitted various materials, and have been registered for the record.
As a convenient payment method, WeChat Pay is very popular with people, but it is precisely because of its convenience that it has attracted the attention of criminals! Carelessness can cause serious property damage, and there is almost no chance of recovery.