# Trascript

[0:00](https://youtu.be/m_dmG-iEUeg?si=OSiSXMLy4h4zF_Jh) Let's start everything with a story.

[0:04](https://youtu.be/m_dmG-iEUeg?si=7DVmI2muiqzni9Yg&t=4) Recently, Mei started using Quick Pay, a payment tool that allows payments by scanning QR codes, simply by linking her account or credit card. With her phone in hand, she could handle all her meals, finding it very convenient.

[0:18](https://youtu.be/m_dmG-iEUeg?si=sqcS2HL-pQwPNTa7&t=18) Today, Mei went to the supermarket as usual, armed with her phone, and queued up, ready to check out using Quick Pay

[0:26](https://youtu.be/m_dmG-iEUeg?si=CHbSJ0iqv1h0P6Zp&t=26) However, during checkout, the cashier informed her that the barcode couldn't be scanned. Although Mei was confused, she didn't think much of it and simply refreshed her barcode for the cashier

[0:34](https://youtu.be/m_dmG-iEUeg?si=CHbSJ0iqv1h0P6Zp&t=34) Later, when Mei checked her transaction records for the day, she discovered an unauthorized transaction. It dawned on her that she had fallen victim to theft through unauthorized scanning of her payment barcode.

[0:34](https://youtu.be/m_dmG-iEUeg?si=CHbSJ0iqv1h0P6Zp&t=34) After reporting the incident and reviewing the surveillance footage, it was revealed that the customer behind Mei had seemingly used their phone to capture a screenshot of Mei's payment barcode and quickly used it before Mei.

[0:53](https://youtu.be/m_dmG-iEUeg?si=CHbSJ0iqv1h0P6Zp&t=53) In fact, there have been several cases of payment barcodes being stolen through unauthorized scans in recent years, especially in China where mobile payments are widely used.

[1:03](https://youtu.be/m_dmG-iEUeg?si=CHbSJ0iqv1h0P6Zp&t=64) So, besides the risk of being scanned, what other security concerns exist in our everyday use of electronic barcode tickets and merchant payment barcodes?

[1:13](https://youtu.be/m_dmG-iEUeg?si=CHbSJ0iqv1h0P6Zp&t=73) Risks of Mobile Payments and Barcodes

[1:16](https://youtu.be/m_dmG-iEUeg?si=CHbSJ0iqv1h0P6Zp&t=76) While mobile payments are convenient, payment barcodes may be maliciously captured, and scanning barcodes may lead to personal information leakage and counterfeit barcode issues. Using payment software with inadequate security can also lead to financial theft.

[1:33](https://youtu.be/m_dmG-iEUeg?si=CHbSJ0iqv1h0P6Zp&t=93) Malicious captures can result in the theft of barcodes, swiftly followed by unauthorized transactions. Most payment apps have screenshot prevention features aimed at protecting barcodes from leaking and preventing theft.

[1:45](https://youtu.be/m_dmG-iEUeg?si=CHbSJ0iqv1h0P6Zp&t=105) Some merchants use static barcodes for transactions, but if these barcodes are exploited by malicious individuals, barcode substitution, when the customer scans to pay, the money will flow into someone else's account. Because recovering lost funds is difficult, if it's a small transaction, most customers will accept the loss, but for larger amounts, the losses can be severe!

[2:06](https://youtu.be/m_dmG-iEUeg?si=CHbSJ0iqv1h0P6Zp&t=126) Apart from financial loss, some unscrupulous individuals may implant Trojan programs into barcodes, stealing personal information, and using that information for illegal activities.

[2:16](https://youtu.be/m_dmG-iEUeg?si=CHbSJ0iqv1h0P6Zp&t=136) Additionally, it's crucial to ensure the security of payment software, with password protection, biometric authentication, and multi-factor authentication to safeguard against unauthorized use.

[2:26](https://youtu.be/m_dmG-iEUeg?si=CHbSJ0iqv1h0P6Zp&t=146) In the post-pandemic era, more people who enjoy online shopping have emerged, and consequently, the usage of online payments has significantly increased, but are these payment methods really secure?

[2:36](https://youtu.be/m_dmG-iEUeg?si=CHbSJ0iqv1h0P6Zp&t=156) What can we do besides regularly checking our bills, protecting our barcodes, avoiding transactions on unsafe websites? And even if we are cautious, there are still unavoidable incidents, can we use the power of technology to successfully prevent these malicious activities?