Alipay fast payment and online banking who is more secure

In the recent period, the four major banks of industry, agriculture, China and construction have successively adjusted the quotas for the fast business. The four major banks have a single limit for Alipay and a single day accumulative basic limit of less than 10,000 yuan. The lowest is only For 5,000 yuan, the monthly cumulative amount is basically no more than 50,000 yuan.

For “Why limit the fast payment limit”, a director of ICBC responded that the original intention of fast payment is to satisfy the convenience of online shopping customers for small and fast payment of funds, only need to be sent by mobile phone. The payment institution's dynamic verification code can transfer funds from the bank account for payment. This method is really convenient, but there are obvious hidden dangers in fast payment security. The dependence of the transaction on the mobile phone is too high. Once the mobile phone is lost, the information is leaked during registration, or the mobile phone is implanted with a Trojan virus, the binding fast payment mobile phone number is easily tampering. The user's funds are easily stolen.

So, is fast payment safe and unsafe? Which one is safer than online banking?

Before discussing the security of fast payment, we need to discuss the security comparison between Alipay and online banking.

Alibaba and online banking security comparison Alipay security depends on digital certificates, payment shields (price 58 yuan), Bao Ling (price 33 yuan, has stopped selling), mobile phone Bao Ling. Bank online banking is somewhat special. Different banks use different security policies, but the principle is basically the same, mainly USBKey and dynamic password lock.

In principle, USBKey is equivalent to a payment shield, and dynamic password lock is equivalent to Baoling, and its security is basically the same. A digital certificate is equivalent to storing the private key in the USBKey on a computer. The security is not as good as the USBKey, but it is more convenient to use.

The hacker attacks on USBKey mostly use the Trojan virus program to control and attack the driver layer of USBKey. This security policy is not foolproof. The way to improve security is to transform USBKey itself. I have seen a better one. The modification method is the USBKey of ICBC. It adds a display and confirmation button to the USBKey. When the transaction is displayed, the amount will be displayed on the USBKey. After the user clicks the USBKey confirmation button, the transaction can be completed. This makes the computer-based Trojan virus difficult. The transaction was tampered with and attacked.

It is worth mentioning that the security of online banking in different banks is different. Some bank online banking has high security, but some bank online banking will have some very low-level vulnerabilities, often in the media. There will be news reports that the online banking account has been stolen, so users should put the funds in a bank with better security.

And for Alipay's attacks, most of them are through the mobile phone, unbound payment shield Alipay, most security verification relies on Alipay-bound mobile phones, hackers can control users through mobile operators' vulnerabilities Mobile phone, to attack Alipay account, for example, if a hacker obtains a user's ID number and mobile phone number through certain means, using a fake ID card can successfully apply for the SIM card of the mobile phone through some mobile operators. This SIM card and ID number can be used to reset the Alipay password, and you can also apply for a digital certificate. Fortunately, Alipay's payment password needs to be reset by “Security Protection Issue + Email” to some extent. Threats. For users who have a large amount of money in Alipay, it is safer to enable payment shields.

Is fast payment safe?