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。

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。