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WeChat payment and Alipay which is more secure micro channel payment and Alipay security PK

WeChat payment and Alipay which is more secure micro channel payment and Alipay security PK

Sihai: credit card stolen brush meet the eye everywhere, but have you heard of Alipay, WeChat wallet stolen brush? With the continuous diversification of payment means, while the convenience of payment at the same time, capital safety incidents also occur frequently. Today Xiaobian for you in-depth analysis: Alipay and WeChat pay which is more secure?

Wechat payment:

On November 21, 2015, more than 460 yuan was stolen from Ms. Lin's wechat zero wallet in Shaanxi Province. She divided five transactions in four days and was recharged to buy game tickets.

On January 13, 2016, Huaihua women's wechat payment binding bank card, 4800 yuan was inexplicably 'red envelope'.

Since wechat payment was launched nearly three years ago, this kind of news has always appeared in various media pages, making 200 million wechat payment users shudder.

Xiaobian's little friends have also had the experience of stealing. If wechat doesn't set the login password, the mobile phone lost = wechat lost, the person who gets the mobile phone can completely access your wechat through the SMS verification code, and the security of your wechat account is greatly reduced.

Alipay:

Some time ago, a "I spent ten days to recover Alipay's 25000 yuan experience of robber money" exploded the circle of friends. Fortunately, with the help of the media and big V, the parties finally recovered the whole amount. But in the process of negotiation, Alipay, the banks and the police's mutual kicking and inadmissibility attitude did give users and readers a drop of cold water.

To sum up, Xiaobian thinks that the third party payment is relatively unknown, and the three party payment of Alipay and WeChat is relatively safe. But now the bad guys are very high. It's easy to get your account number. Be nothing difficult to crack the password and intercept the verification code.

Fan Yifei, vice governor of the people's Bank of China, revealed at the press conference of the fourth session of the 12th National People's Congress that the central bank will start to operate a new non bank payment account system from July 1 to meet the increasingly diversified and personalized consumer payment needs. In other words, it has been less than four months since the central bank gave the major online payment platforms. The deadline is approaching. In order to comply with the central bank's "measures for the management of online payment business of non bank payment institutions", several major domestic payment platforms are bound to start real name authentication.

Over the past few days, Alipay and WeChat have released messages in their official channels, prompting that the user's account will be upgraded to be certified, which is considered by the industry to be an advance of the real name system of the account.

The central bank stipulates that payment institutions have the obligation to 'know your customers'

In the past two sessions of the National People's Congress, fan Yifei, vice governor of the people's Bank of China, mentioned the problem of account management and emphasized the requirement of implementing the real name system of accounts. He said: 'since last year, we have strengthened the classified management of bank accounts and payment accounts. The general principle is to further promote the convenient and safe development of the payment system, further implement the requirements of the real name system of accounts, and better protect the legitimate rights and interests of financial consumers. '

According to the regulations of the central bank, Payment institutions have the obligation to 'know your customers'.

According to the "measures" published in December last year, Payment institutions should divide individual online payment accounts into three categories according to the identity authentication of customers, and stipulate the information authentication standards of various accounts.

Class I account is mainly suitable for small amount and temporary payment of customers. Identity verification is the most simple and fast, which can quickly open class I account and complete payment. Only one external channel is needed to verify the customer's identity information (such as online verification of ID card information). The account balance can be used for consumption and transfer, taking into account the convenience and security, so the transaction limit of the account is relatively low.

The "measures" requires payment institutions to verify customers' identity information through at least three or five external channels when opening class II and class III payment accounts, in order to protect customers' legitimate rights and interests and prevent illegal elements from opening anonymous or pseudonymous accounts to engage in fraud, cash out, money laundering, terrorist financing and other illegal activities.

Incomplete information of online payment account will affect the use of balance

Constrained by the new rules of the central bank, Alipay and WeChat pay online payment platform to ensure users can still smoothly use the existing payment services after July 1st.

On the 22 day, Alipay official micro-blog said in a statement, 'Alipay will officially launch the upgrading and transformation of related systems after the introduction of the measures, and help users to perform related operations. '

For many netizens, what is the reason for Alipay's "upgrade certification" to pay? Ant Financial Group Customer Center certification microblog account clearly replied, "according to the relevant provisions of the" non bank payment institutions online payment business management measures ", the payment account needs to complete the real name requirements.". At the same time, it is pointed out that, in case of no completion, after July 1, 2016, Alipay account will no longer be used for collection and payment. It is recommended that you complete the information completion in time. 'he also said that at that time, the user's fast payment and online banking could not make payment.

A public report last May showed that as at that time, more than 300 million real name accounts were issued by Alipay, but the number of registered users has exceeded 800 million, many of which are non real accounts.

Only 3 days after Alipay issued the real name certification notice, at noon on the 25 day, WeChat paid its official account 'WeChat payment Smart Life' issued a short paper entitled "WeChat payment to help you improve account information". Users with incomplete account information should improve their information before July 1 to enjoy more comprehensive payment services. When users with incomplete information use wechat payment, the system will gradually prompt and guide them in the near future to help users improve their account information. '

That is to say, it is very likely that, like Alipay, if your WeChat does not carry out the real name authentication, it will not be able to use the 'balance' in July 1st for WeChat payment, transfer and red envelopes. It will not be able to pay for it by sitting in drops. It will not be embarrassing to invite friends to pay for WeChat's payment and not to brush … …

The relevant person in charge of the central bank has previously said that from the requirements of the measures, wechat customers who have passed one way of real name authentication can still use their change account to send and receive red packets, but the accumulated amount of red packets should not exceed 1000 yuan. If the amount of the red envelope has exceeded 1000 yuan and the payment function still needs to be used, a variety of high identity authentication methods need to be added to become class II or class III accounts.

The measures also pointed out that payment institutions should adopt necessary technical means to ensure that customers' operation process is simple and convenient, which puts forward certain requirements for the service ability and service level of Payment institutions.

It is expected that before the new regulation comes into effect, the three party payment institutions such as Alipay and WeChat will respond to the real name authentication system in the near future, and adopt more ways to authenticate online, so as to ensure that the proportion of real name accounts reaches the requirements of the central bank and ensure the normal use of the users.

Xiaobian also collected some ideas and make complaints about:

@Mr. Wang: wechat is really a big mac on the mobile end. Work, life and study * * many things are on wechat. However, when you lose wechat one day, you basically have nothing, including your money. Wechat is a product without a sense of security.

@Allen: criminals only need to master the user's identity information, bank card number, and can obtain the mobile phone verification code, and then they can steal through the third-party payment. So who will pay for the loss of users? What should we do if we pursue responsibility or face being kicked?

Finally, warm tips: protect personal information, beware of network fraud.