中国银联:约13%消费者遭遇支付欺诈

 　　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.

　　根据中国最大的银行卡联合组织—中国银联表示，中国移动支付用户中有13%经历过诈骗，而其中近90%的人没有追回损失。

　　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 valid¹ responses.

　　在中国公安部门的监管下，中国银联展发动95名员工，展开对移动支付用户的支付情况的问卷调查。收到了10万份有效回复。

　　The online payment fraud rate in 2015 increased by 6 percent compared to that of last year as the new payment method showed strong momentum². Over 80 percent completed payment via their cellphones.

　　随着越来越多新颖的支付手段的兴起，2015年在线支付比去年增长了6%。有超过80%的支付通过手机完成。

　　中国银联:约13%消费者遭遇支付欺诈

　　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 refunds³.

　　中国银联风险管理部总经理袁霄汉表示，支付诈骗行为大多通过社交账号诈骗、信用卡提额、消费退款等手段而发生。

　　Yuan said mobile payment security has become the main priority in user experience.

　　袁经理说，手机移动支付已经成为用户遭受欺诈的主要方式。

　　According to the survey, nearly 90 percent of customers exposed to deception⁴ did not get compensation due to complicated processing, with the successful recovery rate at 4 percent.

　　根据调查，由于操作步骤繁琐，近90%用户遭受过欺诈而没有索回损失，只有4%用户追回了损失。

　　Meanwhile, consumer safety awareness⁵ 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 fingerprint⁶ recognition.

　　与此同时，消费者在线支付的安全意识在逐渐加强。87%的受访者表示消费者身份验证和交易验证是必需的，另外13%的消费者更喜欢指纹识别验证。

　　"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.

　　“如果你的手机中毒了，你最好找专业人员来重装系统，不要自己重启手机，”袁经理建议。

　　In addition, purchasing fund-guarantee insurance is another method to recover online fraud losses, it was added.

　　此外，购买资金保障险是追回网上交易欺诈损失的另一种方法。

1 valid   

adj.有确实根据的；有效的；正当的，合法的

参考例句：

• His claim to own the house is valid.他主张对此屋的所有权有效。
• Do you have valid reasons for your absence?你的缺席有正当理由吗？

2 momentum   

n.动力，冲力，势头；动量

参考例句：

• We exploit the energy and momentum conservation laws in this way.我们就是这样利用能量和动量守恒定律的。
• The law of momentum conservation could supplant Newton's third law.动量守恒定律可以取代牛顿第三定律。

3 refunds   

n.归还，偿还额，退款( refund的名词复数 )v.归还，退还( refund的第三人称单数 )

参考例句：

• Tomorrow he would return them to the store and claim refunds. 明天他要把它们退还给商店并要求退款。 来自辞典例句
• The new method means that taxpayers get refunds much faster. 这种新办法意味着纳税人可以较快地领到退还款。 来自辞典例句

4 deception   

n.欺骗，欺诈；骗局，诡计

参考例句：

• He admitted conspiring to obtain property by deception.他承认曾与人合谋骗取财产。
• He was jailed for two years for fraud and deception.他因为诈骗和欺诈入狱服刑两年。

5 awareness   

n.意识，觉悟，懂事，明智

参考例句：

• There is a general awareness that smoking is harmful.人们普遍认识到吸烟有害健康。
• Environmental awareness has increased over the years.这些年来人们的环境意识增强了。

6 fingerprint   

n.指纹；vt.取...的指纹

参考例句：

• The fingerprint expert was asked to testify at the trial.指纹专家应邀出庭作证。
• The court heard evidence from a fingerprint expert.法院听取了指纹专家的证词。