Children fraudulently spend large sums of money with "password-free payment", and one of the crux of the problem is in tutoring

(Dust 4x/figure)

There are always bear children who blow their parents' hard-earned money as the wind blows, and the money that they "send" out is scattered like raindrops in the cracks of the network, fortunately, many bear children have another identity: minors, and the law imposes additional protection on them. But the deeper problem that is really worth pondering is that many of our families have problems with education.

Recently, Ms. Liu of Zhangzhou, Fujian Province, reported that her children spent 56 times in Tencent Games through Apple App Store password-free payment in three days from January 17 to 19, totaling 20,087 yuan. After she found out about the recharge of the WeChat bill, she immediately contacted Tencent customer service to apply for a refund, but the two sides could not reach an agreement on the amount of refund. On March 9, Tencent Games responded that it had handed over the relevant responsible customer service, and the customer service would negotiate with the user to achieve satisfactory results. On the morning of the 10th, Tencent Games feedback that it had reached an agreement with Ms. Liu and decided to refund 13,000 yuan. Tencent said that users consume through Apple's password-free payment, Apple charged part of the handling fee, Tencent can not fully refund, has been the maximum degree of feedback.

Ms. Liu's children are minors. If these consumptions are done by adults, of course they are effective. But because of the involvement of minors and password-free payments, the legal situation presented by this matter can be described as complex. The fact that the incident has a preliminary outcome is reassuring. The rest of the money, Ms. Liu can still apply for a refund through negotiations with Apple.

In the incident, "password-free payment" became a sharp weapon for Ms. Liu's children to obtain consumption pleasure. He doesn't even need to shout "sesame open the door" to get a large amount of money, so as to complete a sum of money and achieve the purpose of stealing games.

Password-free payment is a technology that has become popular in recent years, reflecting the essence of convenience. As everyone knows, password-free payment is also a double-edged sword, and while it is convenient, the risk is also hidden.

For the sake of human nature, the temptation of password-free payment for children is enormous. The move is comparable to a parent putting money on the table without being defensive about it. I was particularly sensitive to such things when I was a child, because my parents put money in my sights and made me suffer. Once I couldn't hold back my beating heart and drew a dollar out of a stack of bills, but at this time my parents happened to come home from the field and found out about my actions. I was not even ten years old at the time, and I liked the special "scent" of paper money. The reason why I did not take the evil road of stealing in the future was because my family was very strict. If you have done something wrong, you have really beaten and punished and thought about it on your knees.

In this regard, parents really have to be cautious about whether to use password-free payment. The biggest benefit of password-free payment to users is to save the need to enter the password link - it shows that this is a lazy design, of course, this is also a delicate life style. But the frustration of a child being "inspired" to empty the money in your cell phone account is enough to dilute this little pitiful benefit.

In recent years, there have been numerous incidents of property damage caused by bear children using the password-free payment function of parents' mobile phones. For example, in April 2021, an 8-year-old bear child in Zhengzhou "free of secrets" brushed away the 9224 yuan recharge game. It is unknown whether "8 years old" is the youngest record, but obviously, the payment method that a young child can do has its own "loophole".

In fact, even if there is a password, parents may be "controlled" by their children if they do not pay attention. In September 2018, the media reported that a bear child in Wuxue City, Hubei Province, cracked the payment password and "consumed" the mother's 2-year salary for a total of more than 60,000 yuan in 1 day, which was used to purchase equipment and tip a game anchor.

From many similar incidents, people have witnessed the panic and desolation of parents. The two-year salary suddenly "disappeared", which certainly shows the meager income, but it also shows how big and wild the hearts of some children are.

These children often have no concept of spending money, they only care about the moment, and they don't even care about the "disaster" that the family brings, and they don't care about the severe punishment they are about to receive. That's what makes people awe-struck.

They often become like this as a result of the lack of good homeschooling. A father, after spending tens of thousands of yuan on the child's secret payment method, deeply regretted that he was busy with business and neglected to guide his child's education. I've seen mothers throw their phones at their children to play and ask them not to bother playing mahjong. When some half-grown children hold their mobile phones and keep a "silent film" shape, showing adults "peace of mind", the beasts in their hearts are also silently released, controlling the young body and mind. Children who grow up in this state are difficult not to "make ghosts".

When the complicated family education "scales" to give a mobile phone to the child, the probability of tragedy is greatly improved; in the era of smart phones, when the child has enough opportunities to contact money, but does not know the principle of "where the money comes from", the mud is already waiting ahead. At this point, can you expect a wall to suddenly block their way? Can the painful price imposed on their parents make them "bump" their heads and bleed so that they can wake up? I'm worried.

To put an end to the "password-free payment incident" that hurts people, parents need to take snacks and take necessary precautions, such as controlling the mobile payment "channel", changing the password-free payment habits, and not casually handing over the right to use the mobile phone to the child.

But more importantly, help children shape the right view of money from an early age. After I made mistakes when I was a child, my father took me to the farmland to learn about the harvest of a hard and busy day for adults, and let me carry rice to experience the pain step by step... I have an impression to this day. It is normal for children to like to spend money, but they must be allowed to know the folk "allusions" of "bitter money": money is not bitter, money is not used, and it must be used with caution. Some people call this kind of education "financial and business" education, but in fact, no matter what it is called, the purpose is to make children respect the fruits of labor, respect self-reliance, and abandon the consciousness of unearned gains.

(This article is only the author's personal opinion and does not represent the position of this newspaper)

Woolly River