The Third Party Payment Frequently Needs To Be Paid Attention To.

Recently, the third party payment clients have encountered frequent fraudulent cases, and the risks and vulnerabilities of the third party payment have aroused the concern of all parties again.

"How can you feel secure when WeChat has stolen more than 10000 yuan?" this is a micro-blog issued by a netizen. The netizen said he lost WeChat's zero wallet and more than ten thousand yuan in the card.

Users questioned why such a large paction amount does not require verification code, and no SMS notification passed?

Similarly, netizens Xiaogang (a pseudonym) in "I used ten days to recover Alipay's 25000 yuan robber money experience" in a text, said that in February 16th, in the case of his own unknowingly, in the mobile phone Alipay mobile landing, the use of other phones not only smoothly landed on its Alipay account, but also two large consumption, a total of 25 thousand yuan.

After the incident, Alipay responded, "we do not have the first time to monitor this risk, resulting in Xiaogang did not receive timely safety warning."

Obviously, Alipay does not think there is a loophole in its own security mechanism, nor does it think that it needs to assume responsibility for users being caught by "robbing".

But even more unthinkable,

Mediating mediation between the victim and the suspect in the middle or intermediate status, and complaining that "after all, Alipay is not a judiciary and can not unilaterally determine who is embezzling and use coercive means".

According to the sixteenth provision of the "non banking payment institutions' network payment business management regulations" which was formulated in 2015 by the people's Bank of China in 2015 and will be implemented in July 1st this year, the payment agencies should promptly handle customer's online payment business behaviors such as "login and logoff, identification and paction verification".

Alipay has abnormal login and payment in customer login and payment.

It is clear that the inaccuracy of the verification of the true identity of the logged person is obviously contrary to the above provisions.

Alipay did not prompt the user when he landed his account.

There is an obvious loophole in the link between the very use of equipment and the large amount of payment, which is the key to the success of the Alipay account being stolen by others.

Previously, ICBC, Bank of China and many other banks once reduced the interface with Alipay fast payment cooperation and reduced the payment limit, because it was too risky for users to steal.

Dong Ximiao, a visiting researcher at Chongyang Financial Research Institute, Renmin University of China, said in an interview with China economic net reporter that in recent years, the rapid development of China's payment products and services, especially mobile payment, has brought convenience and convenience to our lives, but at the same time, the accompanying risks can not be ignored.

Dong Ximiao pointed out that some third party payment institutions lack the protection mechanism for customer funds and information, and there are many security flaws, which pose a serious threat to user property safety.

Moreover, it is difficult for ordinary users to complain about rights, difficult to report, and difficult to obtain evidence.

Although some payment agencies promise to pay first or introduce stolen insurance, they are not actually implemented.

At the end of last year, the central bank formally released the Internet payment method to regulate the management of the third party payment institutions.

Next, it is suggested that the relevant agencies should effectively implement the management measures, keep the bottom line of the safety of customers' funds, and further protect the legitimate rights and interests of consumers.