中國銀聯:約13%消費者遭遇支付欺詐
About 13 percent of China's mobile payment users suffered from fraud while nearly 90 percent among these couldn't get back the money they lost, according to a report by China Union Pay, the country's biggest bankcard association.
根據中國最大的銀行卡聯合組織—中國銀聯表示，中國移動支付用戶中有13%經歷過詐騙，而其中近90%的人沒有追回損失。China Union Pay asked its 95 members to conduct the three-month survey under the guidance of China's public security departments. It collected more than 100,000 valid responses.
在中國公安部門的監管下，中國銀聯展發動95名員工，展開對移動支付用戶的支付情況的問卷調查。收到了10萬份有效回覆。The online payment fraud rate in 2015 increased by 6 percent compared to that of last year as the new payment method showed strong momentum. Over 80 percent completed payment via their cellphones.
隨着越來越多新穎的支付手段的興起，2015年在線支付比去年增長了6%。有超過80%的支付通過手機完成。
Yuan Xiaohan, general manager of the China Union Pay risk control department, said fraud occurred by cheating social-media accounts, credit card spending and consumer refunds.
中國銀聯風險管理部總經理袁霄漢表示，支付詐騙行爲大多通過社交賬號詐騙、信用卡提額、消費退款等手段而發生。Yuan said mobile payment security has become the main priority in user experience.
袁經理說，手機移動支付已經成爲用戶遭受欺詐的主要方式。According to the survey, nearly 90 percent of customers exposed to deception did not get compensation due to complicated processing, with the successful recovery rate at 4 percent.
根據調查，由於操作步驟繁瑣，近90%用戶遭受過欺詐而沒有索回損失，只有4%用戶追回了損失。Meanwhile, consumer safety awareness is growing in terms of online transactions. About 87 percent of respondents think customer identity and transaction verification are necessary; while another 13 percent of consumers would prefer to adopt fingerprint recognition.
與此同時，消費者在線支付的安全意識在逐漸加強。87%的受訪者表示消費者身份驗證和交易驗證是必需的，另外13%的消費者更喜歡指紋識別驗證。"If your smart phone caught a virus, you'd better turn to professionals and let them reinstall its system instead of restarting it yourself," Yuan suggested.
“如果你的手機中毒了，你最好找專業人員來重裝系統，不要自己重啓手機，”袁經理建議。In addition, purchasing fund-guarantee insurance is another method to recover online fraud losses, it was added.
此外，購買資金保障險是追回網上交易欺詐損失的另一種方法。
