When watching the short drama, the system prompted me to pay to unlock the subsequent plot. I wanted to click to view and decide whether to pay per episode or pay in full, and how much fee was needed. However, before I could see it clearly, I was automatically deducted 17.9 yuan from the free payment. I don't know when it was activated, "Mr. Yang, a consumer from Changsha, Hunan, reported to reporters on December 5th. After more than 10 days of communication and negotiation with the platform customer service, the other party finally agreed to refund Mr. Yang's deducted 17.9 yuan to the original payment account. Although consumers have been tricked, they feel like debt collectors, "Mr. Yang said. Mr. Yang is also troubled by the difficulty in finding an option to turn off confidential payments. It's hidden too deep! "Mr. Yang said. With the gradual guidance of customer service, he went through numerous operations and repeated confirmations before closing the no secret payment function on the platform. In addition, non encrypted payments may also lead to the risk of theft. In a case represented by Tian Junwei, a lawyer at Shandong Nayuan Law Firm, a consumer's mobile phone account was stolen. The hijacker used the account bound free payment function to steal 162 transactions in a row, totaling 80868 yuan. By default, the platform has checked "Enable", "Compulsory association with payment software", "Easy to open and difficult to cancel"... On the network, there are endless "roast" about secret free payment, reflecting consumers' urgent desire to strengthen the security management of payment business. In the view of Wang Pengbo, a senior analyst in the financial industry at Broadcom Analytics, secret free payment is essentially aimed at improving transaction efficiency, optimizing user experience, facilitating high-frequency and small-scale scenario payments, promoting the development of contactless and scenario based payments, which is also an important direction for the advancement of mobile payments. However, objectively speaking, there are indeed certain risks associated with non confidential payments, and some users may have unclear understanding of the automatic renewal rules or neglect authorization management, which may result in incorrect or excessive deductions, leading to disputes. ”Wang Pengbo stated that while non encrypted payments improve payment convenience, they also place higher demands on the platform's risk control capabilities and user security awareness. Recently, the China Payment and Clearing Association issued an initiative to strengthen the security management of "secret free payment" business. This initiative proposes that payment service providers should standardize authorization management, complete user activation intention confirmation and sign "secret free payment" agreements through prominent pages. If the user no longer uses the "no password payment" function, a convenient channel should be provided for the user to close it. Regarding this, Wang Pengbo stated that many platforms have made improvements, such as more obvious closure of entrances, automatic interception of abnormal transactions, and full compensation for theft and fraud. At present, the prominent issue in compliance of non confidential payment services lies in inadequate risk control. ”Tian Junwei believes that some third-party payment companies and banks are more concerned about the authorization issue of opening non confidential payments, and the regulatory requirements for risk management are not fully implemented. Therefore, regulatory authorities should increase the punishment for failure to fulfill the risk control obligations of non confidential transactions. Wang Pengbo suggests that consumers regularly review their authorization lists, promptly clean up authorization services that are no longer in use, prioritize enabling password free features in trusted applications, and enhance account security by combining biometric authentication such as fingerprints and facial features. Collaborative governance between platforms and users is the key to achieving the best balance between security and convenience in non encrypted payments