At present, there are two main types of Internet financial payment models: One is the independent third-party payment model, which means that the third-party payment platform is completely independent of the e-commerce website, and does not have a guarantee function. It only provides payment products and payment system solutions for users, and pays with fast money, Epro, and remittance. The world, Lakara, etc. are typical representatives. The other type is a third-party payment model based on Alipay and Tenpay, which provides guarantee functions based on its own B2C and C2C e-commerce websites. The payment is temporarily hosted by the platform and notified by the platform to the seller to arrive and deliver the goods; in this payment mode, after the buyer purchases the goods on the e-commerce website, the buyer uses the account provided by the third-party platform to pay the payment, after the buyer checks the goods. After confirmation, the platform can be notified to the seller, and the third-party payment platform will transfer the money to the seller's account. Obviously, with the rapid development of traditional Internet, mobile Internet and e-commerce, China's online payment business has shown a vigorous development trend, which has greatly promoted the development of various payment institutions, and further promoted the popularity and innovation of online payment products. In particular, Internet financial payment shows the characteristics of quickness and convenience, which greatly breaks through the limitations of traditional financial payment, overcomes the inadequacy of the customer experience and can not fully meet the needs of customers, extends the payment tentacles, and expands the scope of payment. The omnipotent and omnipotent “universal†payment tool has brought great convenience to the people to pay for their lives, and has been favored and praised by consumers. However, as a new thing, Internet financial payment itself not only has some imperfections, but even there are many payment defects or loopholes. Therefore, these defects have brought great hidden dangers to consumers' financial security and caused certain losses. And these hidden dangers and losses are more difficult and more difficult to control than traditional financial payments. This is a by-product of Internet finance, and government function supervision departments must be highly valued. From the current point of view, Internet financial payments have the following defects or loopholes: customer information security risks of leakage, frequent occurrence of various types of stolen cards, risk supervision and inspection of vacuum zones, especially in the past two years, various types of risk cases are presented. The high-profile situation has had a certain impact on the safety of customer funds, the stability of the electronic payment market, and even financial security. The hidden dangers of Internet financial payment risks include six aspects: First of all, the payment account management requirements are unclear and are in a vacuum of financial supervision. From the perspective of financial category, the account should be the one that is opened in the banking system and belongs to the person and can effectively control the funds according to the wishes of the person. It is the core foundation of the financial system. However, the emergence of payment accounts has broken the structure of the overall financial system: on the one hand, payment accounts are free from the scope of financial account management, and customers can apply at any payment agency website through the Internet without opening the face-to-face nuclear requirements. The lack of real-name verification requirements is not conducive to anti-money laundering and anti-terrorism financing and other related requirements, there are major hidden dangers; on the other hand, there is a gray area in the payment account, that is, the funds transferred from the bank account to the payment account by the customer, only in The payment institution system shows that it belongs to the client's own funds. From the banking system, the customer's ownership of the funds cannot be reflected, and there is a large capital risk. Secondly, the payment account function has cross-border problems and is easy to form systemic financial risks. The current payment institution's business scope has broken through the single function of monetary fund transfer, and gradually covers the opening of fund accounts, the storage of funds and loans, the transfer of cash, the payment of public utilities, and the guarantee of financial investment, which are basically equivalent to the general functions of bank accounts, but Free from the financial account supervision system, and the payment institution lacks a complete business supervision system and risk-taking mechanism for the aforementioned financial services. In extreme cases, it may cause a chain reaction. If the risk spreads, it will be transmitted quickly. The security of the payment system, the credit system and the entire financial system has been seriously affected. Again, the payment account stores a large amount of customer information, which presents a huge security risk. At the same time, the rapid development of mobile payment services, various new types of risk cases and modus operandi are also emerging, the core problem is the lack of customer information security management. The payment institution's payment account has a large number of customers' real identity information such as ID number, mobile phone number, etc., and also has a large amount of customer payment information such as bank card number, expiration date, CVV2, etc. Once a system problem occurs, the customer information will be leaked a lot. Big risk hazard. Fourth, the monitoring system is still incomplete, and it is easy to generate illegal transactions. On the one hand, because the business management system and the normative system guidance are not perfect, the transaction of the payment account is easily used by a variety of illegal violations, manifested as false transactions, cash, money laundering, fraud and other phenomena. On the other hand, at present, because the payment institution does not send complete transaction information (such as the second-level merchant name, transaction type, etc.) to the bank, the bank cannot monitor the source, actual use, and real information of each transaction. The provision of clearing services for third-party payment institutions has actually caused the use of customer transaction funds in a regulatory vacuum, causing certain losses to customers and merchants, which may cause the public to feel insecure about online payment services. Fifth, excessive pursuit of customer experience, risk and benefit balance is difficult to control. The development of the network payment service is based on the market demand for its convenience. Most of the focus from the beginning of the launch is centered on the “customer experienceâ€, and the hidden risks behind the business are hard to find. With the popularization of the business, various problems, especially the issue of customer rights, are gradually revealed. What is behind it is the blind spot for customers to understand the risk of online payment services. Customers need to strengthen the knowledge of network payment security. Finally, there are certain hidden dangers in network technology security, which easily lead to financial security risks. The electronic payment of online banking is carried out in a paperless environment, which must ensure the security of data transmission technically and ensure that transaction data is not falsified. Therefore, people began to question the security problems of information loss, duplication, misordering, tampering, etc. during data transmission after digitization. Therefore, Internet financial payment should put the prevention of payment risks caused by insufficient supervision technology in the first place, always keeping in mind the principle of ensuring the safety of client funds. First, we must increase investment in science and technology facilities, consolidate the Internet financial payment infrastructure, and continuously promote the upgrading of online payment systems and improve the defense capabilities of online payment technologies for network payment disclosure, fraud, and hacker attacks. Online payment uses the most advanced means of communication, and the requirements for software and hardware facilities are very high. The technical software is not mature enough to provide hackers and other lawless elements with opportunities. Therefore, the development of an impeccable Internet payment system is an important mission and direction of Internet support organizations. Internet financial payment institutions should spare no effort to practice. Second, strict market access for network payment institutions should be adopted, and network payment should be included in the rule of law track to eliminate the mixed situation and effectively clean up the online payment environment. In accordance with the standards of existing laws and regulations, the service providers that provide software and network services are strictly examined. Therefore, the financial supervisory authority should step up the research and design of the legal system and propose the methods and paths for the implementation of the rule of law. Further standardize industry access and exit mechanisms. Strictly limit access to Internet finance and reduce potential risks. At the same time, it is necessary to ban Internet finance platforms that are suspected of illegal fund-raising, self-inflation, and similar Ponzi schemes. In addition, in the era of big data, data involves more and more personal information, and it is necessary to strengthen security protection. The call for standardizing legislation on data security will become higher and higher. At present, China’s laws are almost in a blank state in this respect, and everyone feels Without a sense of security and a feeling of being voyed, it is necessary to speed up the pace of establishing industry standardization and standardization. In particular, the risk of online payment is not limited to the problem of the consumer's purchase payment process, but also the responsibility of the bank or other issuer after the dispute arises, as well as the online payment tool fund transfer system. Therefore, it is clear that the legal relationship between the participants can better resolve the dispute and prevent disputes. Third, we must improve the credit information system and enhance the transparency of Internet financial information. In view of the continuous outbreak of running events, a credit management plan should be established to clarify the operational rules and positioning of the credit reporting department. With the help of the market, the People’s Bank will be the main body of supervision, and the credit reporting center and credit reporting agencies will collect and process information. The main body, the financial institution is the information management organization system of the information provider, which enhances the transparency of the Internet finance, thereby reducing the risk. Bakeware with plastic lid,Color Sleeve Value Packing Guangdong DK Houseware Co., Limited , https://www.dkhouseware.com
Internet financial payments should put safety first