Cardless payment is a convenient payment service introduced by banks or third-party payment institutions to customers. It is currently highly sought after in the online shopping market. However, it is worth noting that some cardless payment products often neglect the payment security due to excessive pursuit of customer experience and business convenience, especially when there is no card payment to meet the non-real name account, there is a certain payment risk.
The mainstream mainstream payment method “does not need to log in to online banking, and only provides the card number and related information to complete the payment. The cardless payment will be one of the mainstream payment methods in the future.†iResearch believes that cardless payment is convenient, fast and safe. The characteristics and compatibility advantages across terminals, cross-system platforms, and cross-browser are the future trends.
Alipay statistics show that in the half year period of the quick payment, the proportion of transactions has reached 30% of Alipay's overall, and the growth rate is considerable. In addition, with the increase in user demand for mobile payment, the combination of fast payment and mobile terminal has advantages, which indicate that cardless payment has strong market demand and good development prospects.
Seeing the bright future, all financial institutions have increased the layout of cardless payment services. At present, the familiar cardless payment products are not only the “fast payment†launched by Alipay, the “online payment†and the “Internet mobile payment†launched by China UnionPay, but also the “account payment†launched by CCB and the launch of the Bank of China’s Alipay. BOC Taobao Card, etc. They have their own characteristics, have different customer groups, and share the prosperity of e-commerce in competition and cooperation.
The risk of payment cannot be ignored. Although the cardless payment service brings a lot of convenience to the users, its security cannot be ignored. In July of this year, a bank card fraud case announced by the People’s Procuratorate of a certain city in Guangdong sounded the alarm for no card payment.
Analysis of this case is mainly related to customer information disclosure. After the criminals steal the customer card ID number, bank card number, expiration date, CVN2 and other bank card sensitive information, they will bind to the customer bank card account by opening a non-real name network payment account, and open the Internet without card payment without the customer's knowledge. Business, then buy large amounts of virtual or virtual goods on e-commerce sites, stealing customer bank card funds.
According to the network security department, there are currently three types of network payment loopholes that criminals can use: Android backdoors. The criminals hide the back door of the mobile phone in Android software. Some of the backdoors have the function of intercepting mobile phone text messages, and thieves can reset users. The payment password of Alipay or bank account; the cottage client, the criminals obtain the user's trust by pushing the cottage client to obtain the user's password information, and directly transfer the user's funds in the payment link; the phishing website, the more common form of fishing is counterfeiting The bank identity group sends text messages, which involve private information such as user bank accounts.
However, the disclosure of customer information is not the only cause of the risk of no card payment, and the security of the relevant payment institution in the cardless transaction process is also difficult to blame.
The security verification mechanism is too simple to be the "soft rib" of cardless payment. In the opening and trading stages, some payment institutions reserve the method of sending dynamic verification codes to the customers' mobile phone numbers in the commercial bank as the main transaction verification means, and the verification means is single. By changing the customer's reserved mobile phone number or reissuing the SIM card, the criminals can intercept the SMS verification code and pass the "security verification".
The lax management of online payment accounts has opened the green light for lawless elements. Some payment institutions have insufficient implementation of the real-name system for online accounts, and non-real-name payment accounts account for a large proportion. In the card-free payment service, there is no restriction on the bank card associated with the non-real-name account, causing the criminals to steal the sensitive information of the customer's bank card. The bank card operation can be performed by opening a non-real-name payment account, thereby facilitating the use of the card-free payment channel to steal client funds.
The risk warning is insufficient for the hidden danger of no card payment. Some payment institutions lack risk education and rights protection for customers. They have not fully informed and reminded customers of key aspects such as customer registration, related bank cards, transactions, and sensitive information storage. The risk prevention awareness of customers is weak.
It’s not too late to reinforce it with risk, and it’s both convenient and safe. Cardless payment is a convenient payment service provided by the payment institution to the customer. It is difficult for the payment institution to get rid of the responsibility for any cause or customer loss. "It’s not too late to make up for the dead," banks and payment agencies must carefully consider the process and details of such transactions, check for missing gaps, plan ahead, and leave no opportunity for the shackles to ensure that no cards are paid. The safety zone runs smoothly.
Block the source of customer sensitive information leaks. The payment institution shall improve the construction of the information security protection system, improve the security, confidentiality and integrity in the information transmission process by improving the technical means, and ensure the bank card number, validity period, verification code and ID number of the customer during the whole process of business operation. And other sensitive information is handled safely. The payment institution shall not transmit the business license of the special merchant and other real-name certificate materials through the Internet to avoid information leakage incidents. The payment institution must abide by professional ethics, ensure that the customer information is only used for the payment services provided by the company, and effectively protect the customer information.
Improve the cardless payment security authentication mechanism. Payment agencies should strengthen payment security certification management, use hardware encryption, page encryption, security controls, digital certificates and other technical means to improve verification security, especially for transactions involving large amounts of high-risk businesses involving virtual goods transactions. Adopt a high-level safety certification system.
Strengthen the real-name management of payment accounts. The payment institution shall strictly check the authenticity of the customer, implement the real-name system of the payment account, establish a real-name verification mechanism with the associated bank card account, and gradually limit the transaction function and transaction amount of the non-real-name payment account, and carry out the inventory of the non-real-name account. Guide customers to register real-name accounts, prohibit the opening of card-free payment services through bank cards associated with non-real-name payment accounts, and fully implement the real-name system of payment accounts.
Strengthen the monitoring of cardless payment transactions. The payment institution shall improve the risk monitoring management of the cardless payment merchants, establish and improve the network transaction monitoring mechanism, strengthen the monitoring, analysis and early warning of abnormal and suspicious transactions, especially to strengthen the transaction monitoring of the second-level merchants. The payment institution shall strengthen the merchant risk assessment, establish a merchant risk rating system, and regulate the management of the information sent by the network merchants. The payment institution shall set up transaction control, set the transaction quota and frequency according to different business models, transaction authentication strength, and merchant type, and be able to perform dynamic management and timely adjustment.
Innovative risk alerting methods. For key aspects such as customer registration and payment, we must fully inform customers of relevant risk points and precautions in various ways, and regularly or irregularly send out typical risk cases to customers through email or SMS, reminding customers. Strengthen prevention.
Guangzhou Baosheng Trading: http://www.POSjipay.com/
The mainstream mainstream payment method “does not need to log in to online banking, and only provides the card number and related information to complete the payment. The cardless payment will be one of the mainstream payment methods in the future.†iResearch believes that cardless payment is convenient, fast and safe. The characteristics and compatibility advantages across terminals, cross-system platforms, and cross-browser are the future trends.
Alipay statistics show that in the half year period of the quick payment, the proportion of transactions has reached 30% of Alipay's overall, and the growth rate is considerable. In addition, with the increase in user demand for mobile payment, the combination of fast payment and mobile terminal has advantages, which indicate that cardless payment has strong market demand and good development prospects.
Seeing the bright future, all financial institutions have increased the layout of cardless payment services. At present, the familiar cardless payment products are not only the “fast payment†launched by Alipay, the “online payment†and the “Internet mobile payment†launched by China UnionPay, but also the “account payment†launched by CCB and the launch of the Bank of China’s Alipay. BOC Taobao Card, etc. They have their own characteristics, have different customer groups, and share the prosperity of e-commerce in competition and cooperation.
The risk of payment cannot be ignored. Although the cardless payment service brings a lot of convenience to the users, its security cannot be ignored. In July of this year, a bank card fraud case announced by the People’s Procuratorate of a certain city in Guangdong sounded the alarm for no card payment.
Analysis of this case is mainly related to customer information disclosure. After the criminals steal the customer card ID number, bank card number, expiration date, CVN2 and other bank card sensitive information, they will bind to the customer bank card account by opening a non-real name network payment account, and open the Internet without card payment without the customer's knowledge. Business, then buy large amounts of virtual or virtual goods on e-commerce sites, stealing customer bank card funds.
According to the network security department, there are currently three types of network payment loopholes that criminals can use: Android backdoors. The criminals hide the back door of the mobile phone in Android software. Some of the backdoors have the function of intercepting mobile phone text messages, and thieves can reset users. The payment password of Alipay or bank account; the cottage client, the criminals obtain the user's trust by pushing the cottage client to obtain the user's password information, and directly transfer the user's funds in the payment link; the phishing website, the more common form of fishing is counterfeiting The bank identity group sends text messages, which involve private information such as user bank accounts.
However, the disclosure of customer information is not the only cause of the risk of no card payment, and the security of the relevant payment institution in the cardless transaction process is also difficult to blame.
The security verification mechanism is too simple to be the "soft rib" of cardless payment. In the opening and trading stages, some payment institutions reserve the method of sending dynamic verification codes to the customers' mobile phone numbers in the commercial bank as the main transaction verification means, and the verification means is single. By changing the customer's reserved mobile phone number or reissuing the SIM card, the criminals can intercept the SMS verification code and pass the "security verification".
The lax management of online payment accounts has opened the green light for lawless elements. Some payment institutions have insufficient implementation of the real-name system for online accounts, and non-real-name payment accounts account for a large proportion. In the card-free payment service, there is no restriction on the bank card associated with the non-real-name account, causing the criminals to steal the sensitive information of the customer's bank card. The bank card operation can be performed by opening a non-real-name payment account, thereby facilitating the use of the card-free payment channel to steal client funds.
The risk warning is insufficient for the hidden danger of no card payment. Some payment institutions lack risk education and rights protection for customers. They have not fully informed and reminded customers of key aspects such as customer registration, related bank cards, transactions, and sensitive information storage. The risk prevention awareness of customers is weak.
It’s not too late to reinforce it with risk, and it’s both convenient and safe. Cardless payment is a convenient payment service provided by the payment institution to the customer. It is difficult for the payment institution to get rid of the responsibility for any cause or customer loss. "It’s not too late to make up for the dead," banks and payment agencies must carefully consider the process and details of such transactions, check for missing gaps, plan ahead, and leave no opportunity for the shackles to ensure that no cards are paid. The safety zone runs smoothly.
Block the source of customer sensitive information leaks. The payment institution shall improve the construction of the information security protection system, improve the security, confidentiality and integrity in the information transmission process by improving the technical means, and ensure the bank card number, validity period, verification code and ID number of the customer during the whole process of business operation. And other sensitive information is handled safely. The payment institution shall not transmit the business license of the special merchant and other real-name certificate materials through the Internet to avoid information leakage incidents. The payment institution must abide by professional ethics, ensure that the customer information is only used for the payment services provided by the company, and effectively protect the customer information.
Improve the cardless payment security authentication mechanism. Payment agencies should strengthen payment security certification management, use hardware encryption, page encryption, security controls, digital certificates and other technical means to improve verification security, especially for transactions involving large amounts of high-risk businesses involving virtual goods transactions. Adopt a high-level safety certification system.
Strengthen the real-name management of payment accounts. The payment institution shall strictly check the authenticity of the customer, implement the real-name system of the payment account, establish a real-name verification mechanism with the associated bank card account, and gradually limit the transaction function and transaction amount of the non-real-name payment account, and carry out the inventory of the non-real-name account. Guide customers to register real-name accounts, prohibit the opening of card-free payment services through bank cards associated with non-real-name payment accounts, and fully implement the real-name system of payment accounts.
Strengthen the monitoring of cardless payment transactions. The payment institution shall improve the risk monitoring management of the cardless payment merchants, establish and improve the network transaction monitoring mechanism, strengthen the monitoring, analysis and early warning of abnormal and suspicious transactions, especially to strengthen the transaction monitoring of the second-level merchants. The payment institution shall strengthen the merchant risk assessment, establish a merchant risk rating system, and regulate the management of the information sent by the network merchants. The payment institution shall set up transaction control, set the transaction quota and frequency according to different business models, transaction authentication strength, and merchant type, and be able to perform dynamic management and timely adjustment.
Innovative risk alerting methods. For key aspects such as customer registration and payment, we must fully inform customers of relevant risk points and precautions in various ways, and regularly or irregularly send out typical risk cases to customers through email or SMS, reminding customers. Strengthen prevention.
Guangzhou Baosheng Trading: http://www.POSjipay.com/
The fusion of traditional technology and modern aesthetics behind each product is a deep exploration of the material and structure. With "steel" as the medium, the pure manual process journey is opened to convey the fireplace culture and design ideas to the whole world.From the profound interpretation of contemporary industrial design, strict selection of each raw material, strict control of each process, so that made in China gives new meaning to the fireplace with traditional handwork and modern aesthetics, paying tribute to consumers.Select strong, fire-resistant high carbon steel surface imported heat - resistant paint. Skillfully use modern technology and traditional manual combination to provide high quality products.The use of high carbon steel, molten metal, heat-resistant paint and the minimalist design in line with the current international trend make it a timeless work of art. Made in China makes Mevera fireplace more trusted by people.
| Name | Hanging steel brazier firepit |
| Material | Corten steel |
| Cooking plate Size | Diameter 800mm |
| Weight | 65KG |
| Packing | wooden box packing |
Packing
Packing will by wooden box.
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Henan Jinbailai Industrial Co.,Ltd , https://www.designsteelart.com