二次验证给消费者吃下定心丸<figure class="image image-style-align-center"><img src="https://strapi.uqpay.com/resources/2020_07_15_7_25_00_944818c73b.png"><figcaption>图/Pixabay</figcaption></figure>如今数据泄露事件频发，信息安全成为网络世界的关键一环。消费者愈发担忧自己的支付信息“裸奔”，用户信息和资金安全形势严峻。因此，二次验证就显得至关重要。有了它，消费者支付信息就有了“守门员”，让“无孔不入”的欺诈、黑客和网络攻击等不法行为无孔可入。筑牢信息安全防火墙<figure class="image image-style-align-center"><img src="https://strapi.uqpay.com/resources/2020_07_15_7_25_24_a7aec8f18f.png"><figcaption>图/Pixabay</figcaption></figure>安全措施抓早抓实，交易风险才能可防可控。线上交易需要消费者提供PIN码、密码以及相关卡信息，此类信息涉及消费者核心利益，安全管理容不得半点松懈。开启二次验证后，消费者手机将收到一个动态口令，输入正确口令通过身份验证才能进行支付，从而确保交易信息安全。杜绝欺诈捂好消费者钱袋子<figure class="image image-style-align-center"><img src="https://strapi.uqpay.com/resources/2020_07_15_7_25_13_1e59a22866.png"><figcaption>图/Pixabay</figcaption></figure>网络钓鱼和身份盗窃是两大常见欺诈方式。网络钓鱼一般通过钓鱼网站窃取消费者信息。此类网站版面通常与官网高度相似，消费者如不仔细甄别，很容易在钓鱼网站填写支付信息，从而掉进违法者的圈套。身份盗窃则指黑客通过盗取或劫持用户信息从事违法行为。二次验证的应用将有效确保“网站访问不乱、交易流程不断”，且有助于维护企业形象，与客户保持良好关系。为打好信息安全保卫战，政府机关和企事业单位应积极采取防范措施，保障线上交易平稳有序进行。早前，新加坡金融管理局（MAS）颁布《电子支付用户保护指引》，强调消费者应及时更新软件，并设置接收推送通知，确保线上交易安全，捂好自己的钱袋子。《指引》同时提到，账户持有人如发现任何异常交易或活动，应及时向警方报案。<a href="https://www.mas.gov.sg/regulation/guidelines/guidelines-for-e-payments-user-protection">点击此处</a>了解《指引》更多内容。&nbsp;

WITH MANY FRAUD AND SECURITY ISSUES, A SECOND AUTHENTICATION MAY BE NECESSARY TO MAKE YOUR CONTACTLESS PAYMENT A SAFE ONE.<figure class="image image-style-align-center"><img src="https://strapi.uqpay.com/resources/2020_07_15_7_25_00_944818c73b.png"><figcaption><a href="https://pixabay.com/illustrations/hacker-hacking-cyber-security-hack-1944688/">Source: Pixabay</a></figcaption></figure>A rising fear is seen among consumers at large as they keep or share their payment details online. With many cases of recent data leaks, consumers’ information may be susceptible to security threats.With thousands of transactions being made regularly in the digital space, a second authentication is needed to stay clear of fraud, hackers and cyber attacks.&nbsp;To prevent any of the above mentioned from happening, here are a few scenarios, which depicts why a second authentication will be of great help.&nbsp;SAFEGUARDING OF PERSONAL DETAILS&nbsp;<figure class="image image-style-align-center"><img src="https://strapi.uqpay.com/resources/2020_07_15_7_25_24_a7aec8f18f.png"><figcaption><a href="https://pixabay.com/photos/ecommerce-shopping-credit-card-2607114/">Source: Pixabay</a></figcaption></figure>Let's face it.&nbsp;There is a constant, looming fear whenever you key in personal details such as pin codes, passwords and card details for an online transaction.&nbsp;You feel like you need a certain kind of security back up to safeguard all of that information.&nbsp;This is where the second-factor authentication comes into significant play.&nbsp;It gives you a greater protection for your details as it prompts for identification recognition.&nbsp;Take for instance; as you pay a phone bill online, before processing that particular transaction, it brings you to a page where a One-Time Password (OTP) is sent to your phone for verification purposes. This certainly gives you higher power and control over the information that is shared for that transaction.&nbsp;PREVENTION OF FRAUD&nbsp;<figure class="image image-style-align-center"><img src="https://strapi.uqpay.com/resources/2020_07_15_7_25_13_1e59a22866.png"><figcaption><a href="https://pixabay.com/illustrations/stop-hand-finger-containing-off-1502026/">Source: Pixabay</a></figcaption></figure>The two most common types of frauds are known as phishing and identity theft.&nbsp;Phishing involves the stealing of credit card and bank details when you access a website that may not have any association with the bank.&nbsp;On the other hand, identity theft involves stealing and access to personal details by hijacking. This will lead to the hacker using those details under false pretence.&nbsp;With a second authentication, external websites you access to will be much safer, and transactions can occur seamlessly.&nbsp;This can ensure that your brand is not reflective of a bad image and can sustain a well-established relationship with your customer.&nbsp;In light of such scams, frauds or cyberattacks, it may be necessary for governments and companies to implement safeguarding initiatives to protect your cashless and online transactions.&nbsp;For Singapore’s case, the government body, Monetary Authority of Singapore (MAS) has issued an E-payments User Protection Guidelines to help locals follow relevant instructions to have safer and better online, cashless transactions.&nbsp;A secure way is to continually receive software updates and notifications to maintain non-suspicious transaction activities.&nbsp;The guideline also mentioned that account holders should lodge police reports if they suspect any unusual transactions or activity.&nbsp;<a href="https://www.mas.gov.sg/regulation/guidelines/guidelines-for-e-payments-user-protection">Read here</a>&nbsp;to gain more knowledge about how this guideline can aid you in your online payments.&nbsp;&nbsp;&nbsp;