Experts say that Apple and third-party payment platforms have an unshirkable responsibility. There are two black industry chains in this category, one is to steal user passwords; the second is that the Internet black industry chain is frequently used for money laundering channels.
(CCTV Finance "CCTV Finance Review") Recently, many users have reported that their Apple accounts have been inexplicably stolen. In a short period of time, hundreds of people have been stolen, and the losses range from thousands to tens of thousands. Stolen accounts One thing in common is that they have used subscription services for confidential or automatic debits.
Mobile phone account is stolen, who is responsible for it? How can users avoid losses? Security and convenience, can they be balanced? On October 13, CCTV Financial Review invited the Deputy Secretary-General of Zhongguancun Information Consumer Industry Alliance Bao Yihe Wang Guang Finance commentator Wang Guan is a guest studio, in-depth analysis.
Baggage: Apple and third-party payment platforms have an unshirkable responsibility
Bao Zheng, deputy secretary-general of Zhongguancun Information Consumer Industry Alliance: Apple's current mechanism is AppleID, bundled with a secret-free payment. This is the beginning of the game. There is no problem with the design. However, if there are many abnormal transactions suddenly appear in a short period of time, or abnormalities The device login, for example, the device was originally registered in Beijing, and now suddenly log in in Guangzhou, is it possible to be stolen or stolen? Enterprises should have an early warning mechanism, and should notify the user in time. In addition, Alipay is also good, Fortune is also Well, if the user has never bought a game prop such a consumer behavior, suddenly bought seven or eight props in a short time, is it also timely to inform the user? This is not technically difficult to do, can only say platform responsibility Did not arrive.
Crown: Responsibility is certainly difficult to identify
Wang Guang Finance commentator Wang Guan: The stolen brush in the incident, is some information data leaked for its own reasons, or is it stolen? Going far, it may involve the sale of big data, in addition to the theft of data, There are two traffickers and even N traffickers. What kind of legal responsibility is divided between them? It may be difficult to determine now.
Is it safe to turn off the secret payment?
Bao Zheng: Users need to change the password platform regularly to issue early warning
Bao Zheng, deputy secretary-general of the Zhongguancun Information Consumer Industry Alliance: The judicial department, the public security department's crackdown is of course important, but for individual users, it is necessary to develop the habit of changing passwords in a timely manner. Despite the cloud era, I still have a small book. Record the password, usually change it once a month, I don't dare to put this into a digital document in the computer; another one, the platform should promptly issue an early warning.
Crown: No cheaper, less authorized, no free lunch
Wang Guang Finance commentator Wang Guan: Many third-party software applications today, including payment applications, one-click consent to Alipay authorization, WeChat authorization. Many times it is to exchange your data security, this exchange may not be aware at the time, Because of convenience, because of the benefits of a certain scene, etc., so security must first start from yourself.
How to balance mobile payment security and convenience?
Crown: Accelerate legislation and strengthen law enforcement
Wang Guang Finance commentator Wang Guan: Recently, the EU has issued a high-priced ticket to Facebook, reaching 1.6 billion US dollars. In fact, in May this year, the EU began to implement the most stringent general data protection regulations in history, now it seems Law enforcement is also very strong. Nowadays, many jobs are being done in mainland China. The cybersecurity law that came into effect last June, as well as the Consumer Rights Protection Law, the General Principles of Civil Law, etc., have strong legislative strength in data privacy protection. But how can law enforcement go further? You can still see selling personal information on the street, so there is no need for stronger support from the law enforcement level.
Bao Zheng: The responsibility of the platform is more important
Bao Wei, deputy secretary-general of Zhongguancun Information Consumer Industry Alliance: Emphasis on safety and objective will not only affect the user experience, but also affect the income of the payment platform. The industry has measured, Internet online transactions, each additional layer of confirmation, effective transaction volume Will fall to the original 10%. That is, every time you confirm, 90% of the impulse consumption desire is cold. So the secret payment is actually a trading scene that many payment platforms particularly like. At this point, the responsibility of the platform The heart is especially important.
Crown: The convenience and security of electronic payment is a strong support for strong domestic demand.
Wang Guang Finance commentator Wang Guan: The growth rate of domestic demand for China's economy in the first half of the year exceeded 78%. According to the central bank's data, the proportion of mainland Internet users using mobile phones to pay online has exceeded 65%, which is a very high proportion. If consumer safety is not guaranteed, payment will hesitate, and it will suppress consumption. Therefore, strengthening the protection of data security represented by mobile payment today is not only a legal issue or a social issue, but also a Very important economic issue.
Bao Zheng: Fighting the Internet 'Black Produce' is an urgent task
Bao Wei, deputy secretary-general of the Zhongguancun Information Consumer Industry Alliance: There are at least two black industrial chains in this type of incident, one is to steal the user password, which is to steal the library; the second is to purchase the virtual props released in the game. Then a lot of consumption, the game's sub-ledger is high-frequency and big water; In addition, there are virtual currency, which is also a channel for the Internet black industry chain to be used for money laundering very frequently, which requires a strong blow.