Online payment is no stranger to many people. You can transfer money through the online banking of commercial banks, pay the transaction deposit, or make online payment for online shopping through some professional online payment service providers. All these payment methods through the Internet are online payment.
1. What is online payment?
Traditionally, we make payment, the most common ones are cash payment, cash delivery, or we go to the bank counter to make payment, such as remittance, payment of water, electricity and gas fees. There is another kind that we are familiar with, shopping by credit card in shopping malls. Network payment is a new payment tool developed with the development of e-commerce. For example, we want to do online shopping, because the buyers and sellers don't meet, and the goods are delivered by express delivery. How should we pay? Online payment came into being. Generally speaking, online payment refers to the online payment of funds by users through Internet channels. At present, online payment is very common, and many of our shopping websites can make online payment. You can enjoy all kinds of online payment services through your mobile phone and computer, and it is very convenient to shop at any time and place. It can be said that online payment has greatly promoted the development of e-commerce, especially online shopping, and even changed people's lifestyle.
2. What are the types of online payment?
The types of online payment are very rich, and the choice is also very large. Generally speaking, what we contact most is online banking, which is equivalent to the bank moving the payment business online. Generally speaking, the payment business that can be handled at bank outlets can now be handled through online banking, and it is cheaper and can be handled without leaving home. In order to better understand, mobile banking also belongs to online banking, but you don't need to rely on computers when you move the bank to your mobile phone. You can pay by mobile phone anytime and anywhere. Another thing that everyone is familiar with is payment through payment institutions. There are many online payment institutions now. They either cooperate with the bank and jump to online banking through the gateway, or pay with the bank card account, such as fast payment. Another way is to register a virtual account in a payment institution and recharge the virtual account to carry out related payment services.
3. What services can I handle through online payment?
The first is online consumption, most of which can be paid online. For example, you can shop online, not only for physical products, but also for virtual products such as game cards, software and songs. You can also pay the gas, water and electricity communication fee, which is easy to pay for one operation without making a special trip. Moreover, with the development of online payment, financial products such as funds and insurance can now be bought and sold online for investment and financial management. In addition, we can also make credit card repayment through online payment. You can live an easy life without leaving home.
4. What are the charms of online payment?
The development of online payment makes our payment faster, more convenient and cheaper. Let our netizens fully enjoy the happiness and surprise brought by online life.
Save time and effort: you can handle multiple payment services without leaving home, making life more exciting.
Anytime and anywhere: enjoy convenient and efficient services at will, regardless of bank business hours and outlets.
Green and low carbon: paperless and non-face-to-face can effectively reduce energy consumption, which is both environmentally friendly and economical.
5. What is the development of online payment in China?
Online payment in China has developed rapidly. On the one hand, there are many netizens. By the end of 20 1 1, the number of Internet users in China has exceeded 500 million, reaching 5130,000, and the number of domestic Internet payment users has reached1670,000, accounting for 32.6% of the total number of Internet users. On the other hand, China's network economy is developing very fast, and the demand for online payment is huge. The penetration rate of Internet payment in e-commerce is getting higher and higher. 20 1 1, internet payment transactions account for 29% of the total e-commerce transactions, 20 1 1, and the number of online payment transactions in domestic banks is 15 1 billion, with a transaction scale of 695 trillion yuan. The online payment business of payment institutions has developed rapidly. In the first half of 20 12, the online payment business of payment institutions nationwide totaled 5.34 billion transactions, amounting to 2.69 trillion yuan.
The second part: the security of online payment-safe accompanying and free payment.
Payment is not safe, just like life without police, the world will be a mess. Ensuring the security of online payment means ensuring consumers' confidence in online payment.
In the real world, the popularity of online payment is not consistent. On the one hand, many people feel the speed and convenience of the internet, and think that online payment can obviously reduce the pain of banks running around and avoid the trouble of queuing, so they have a special liking for this payment method; On the other hand, some people stay away from online payment and dare not try it easily. Through investigation and analysis, different people's different attitudes towards online payment are largely due to their different concerns about the security of online payment. For the latter, they feel that online payment needs better security.
Network payment security is a systematic project, which requires the joint efforts of banks, payment institutions, security vendors, merchants, network management departments and consumers. However, judging from the current development level and cases of online payment, the security technologies and means of online payment are relatively mature, and most of the security incidents of online payment are caused by users' lack of necessary security awareness and skills. The 20 12 China Online Payment Security Report released by China Internet Network Information Center (CNNIC) shows that nearly 80% of users think online payment is safe, but less than half of all consumers know how to ensure payment security. Are you in this half? It is necessary to know more about online payment security knowledge and guard against payment risks.
1. What are the main risks of online payment we face?
Online payment is carried out in the open environment of the network. At the same time, because it involves the transfer of funds, it is very easy to be coveted by criminals. Usually, the risks we face in online payment mainly include:
The first is the disclosure of personal information. The disclosure of personal information is like throwing the key of your house to a thief, who can steal from your house at any time while you are away. There are two kinds of disclosure of personal information. One is that individual website systems are breached, which leads to the disclosure of personal sensitive information stored in the system and causes economic losses to relevant consumers. The other is that your account number, password or mobile phone verification code are illegally obtained by others due to the negligence or deception of users.
The second is being fished or implanted into a Trojan horse. Criminals use fake websites, fake e-commerce payment pages and other forms of "fishing" to steal customers' online banking information through fake payment pages, taking advantage of customers' weak security awareness. For example, criminals first set up a false e-commerce website and then publish false commodity information on the shopping website. The prices of commodities in this information are often much cheaper than those of similar commodities in the market. At the same time, criminals will also leave their own QQ number or instant messaging tool number such as MSN, as well as the website address of fake e-commerce websites. When customers are tempted by the cheap goods sold on the website, they will link to a fake bank payment page, and the information such as card number and password entered by customers on the fake payment page will be obtained by criminals.
Stealing through trojans is also a common risk. Criminals steal customers' documents and certificates through network technologies (such as Trojan horse programs), or steal online bank accounts and passwords. For example, criminals will bundle Trojan horse software with small games and practical software, and post it on the Internet for people to download. After downloading and installing this software package with Trojan horse, some customers are infected with Trojan horse virus and become the "prey" of hackers. When a customer logs into online banking, he or she enters his or her account number and password through the computer keyboard. At this time, the Trojan horse program has obtained the keyboard record, and the account number and password of the customer's personal online banking have been stolen and automatically sent to the criminals' mailbox by email.
Third, because the password is too simple or has obvious characteristics, the password is leaked. The card password set by the customer is too simple to really protect, and it is easy to be stolen or guessed by criminals, so your account may be stolen online.
For example, after criminals search the customer's card number and ID number through the Internet, because the customer's bank card password happens to be "11"or "888888", or just the date of birth and the first and last two digits of the ID card, the password setting is too simple.
Fourth, the payment data has been tampered with. In the absence of necessary security precautions, attackers can modify payment data transmitted through the Internet. For example, an attacker can modify the payment bank card number, payment amount, payee account number, etc. , so as to achieve the purpose of profitability and create an Internet payment event.
The fifth is the dishonest behavior of the network. Online payment is the process of transferring funds from the payer's account to the payee's account through the online settlement service provided by commercial banks. For the capital withdrawal operation, if the payer denies issuing the capital withdrawal instruction, the commercial bank will be in a passive situation; For the transfer of funds, if the commercial bank denies the transfer of funds, the payee will be at a disadvantage.
2. What are the security tools for online payment?
Online payment security tools are equivalent to locking your account or funds. If you can use online payment tools reasonably, you can greatly reduce the risk of online payment and make your payment safer and more secure. At present, the mainstream online payment tools in the market mainly include the following categories:
One is a digital certificate. After installing a digital certificate on a computer or mobile phone, even if the account payment password is stolen, it is necessary to pay on the machine with the digital certificate installed to ensure the safety of funds.
The second is SMS verification code. SMS verification code is a one-time random dynamic password sent by the bank or the third party to the customer through the mobile phone bound by the customer when the user pays.
The third type is dynamic password, which combines a one-time random password with a password set by a customer without connecting to a computer's payment security tool.
The fourth is Usb Key. The payment security tool connected to the USB interface of the computer needs to be plugged into the computer to make payment.
Users can choose their own safe payment tools according to their actual situation and the suggestions of banks or payment institutions.
3. What is the security status of online payment in China?
Online payment in China is generally safe. The proportion of users with online payment accounts who have encountered security problems is less than five ten thousandths. If you can form good habits and operate scientifically and reasonably, you can use online payment with confidence. In particular, banks and payment institutions in China attach great importance to the security of online payment from the perspective of opening up markets and winning consumers, and adopt payment security tools and supporting measures synchronized with the international market, and some institutions adopt full payment guarantee measures. Moreover, China's crackdown on online payment crimes has been continuously strengthened.
However, with the rapid development of online payment and the continuous expansion of online payment users, criminal activities against online payment are increasing day by day, and the security of online payment is facing severe challenges. Although the loss of funds paid online accounts for a low proportion of the total payment, the loss of funds of a single user may be 100%. Through word of mouth or media reports, consumers are more worried about the security of online payment. There are always more solutions than problems. I believe that as long as all parties make joint efforts, strengthen exchanges and cooperation, purify the network environment, and speed up the implementation of supporting measures such as account real-name registration system, online payment will definitely enter people's lives with a safe and reliable image.
The third part: the security of online payment-the things in the story, there is no payment without security.
We will introduce you to the precautions of online payment security in the form of a case. Behind every case is the loss of personal funds, and there are very painful lessons. Only by learning a lesson can we avoid the trap, take precautions in advance and ensure the safety of online payment.
Case 1: Pay attention to the online payment trap!
5438+ 10 In June, Ms. Qin, who left Guangdong to attend a friend's wedding, bought a plane ticket online at a hotel. After entering the password for many times, the online payment still shows that the payment is unsuccessful, but nearly 6,543,800 yuan+0.5 million yuan on the card was transferred away. After tracking, Ms. Qin found that the money went to the account of the game company and was purchased as a game card.
Safety tips
1. There is a risk of data leakage when using a computer outside the office or home. It is not excluded that the computer has been infected with Trojan virus. Try not to pay by public computer. If necessary, please kill Trojan horse or virus before using it, and turn on the firewall protection function.
2. If you keep losing your password and there is a potential risk of being quilted, you should stop paying immediately.
3. After inquiring about the fund transfer, please write down the single number, call the police immediately, ask the police to handle it, and save the received bank reminder message as an auxiliary voucher.
4. Contact the customer service of online payment banks and third-party payment institutions in time to know the whereabouts of funds in time and minimize losses.
Case 2: prevent online shopping of train tickets and Trojan virus from stealing cards!
5438+ 10 In June, when Mr. Zhou visited the website of 12306.cn in a hotel computer to purchase tickets, the webpage automatically jumped to the game card transaction page, and the online banking payment object changed from "the fund settlement center of the Ministry of Railways" to a third-party payment platform, and the payee was a network technology company. Because Mr. Zhou didn't pay attention to the payee, the funds were transferred. Afterwards, I learned that the hotel computer had been implanted in Trojan horse in advance, hijacking the train ticket money to buy game coins for hackers.
1. After the payment is completed, the original webpage does not show that the payment was successful, but at the same time, another page shows that the payment was successful. After clicking, it was found to be the webpage of a network technology company, which was inconsistent with the original website.
I received a short message from the bank immediately, showing that the amount taken away was far greater than the price of a plane ticket.
3. When the funds are settled, suddenly go to the game card payment page.
Safety tips
1. If you use a public computer for payment, you should kill the Trojan virus or virus and turn on the firewall protection function before using it.
2. Pay attention to the contents of the order when paying to prevent the payment from continuing after the order is replaced.
3. With SMS verification as an auxiliary means, reconfirm the payment information of the order before payment.
Please report to the public security department immediately after you confirm being caught. Please save the screenshots of relevant websites and the bank reminder messages you received as auxiliary vouchers. Contact banks and third-party payment institutions in time to reduce losses.
Case 3: The account password is set separately.
Nanjing netizen Xiaomi's username and password were recently stolen from a social networking site. She didn't care and re-registered another one. Who knows that two days later, her payment account was stolen and she bought a game card of several hundred yuan online. Originally, in order to save trouble, Weibo, email and online payment account all used the same account number and password, and the payment account was stolen.
Safety tips
1, the online payment account and password should be set separately, which cannot be the same as other online accounts.
2. Password settings should be unique. You can't set some simple passwords or passwords related to birthdays, phone numbers, etc. For the convenience of memory.
Don't deposit a lot of money in the payment account. For the payment account, multiple protections such as electronic certificate and SMS verification are enabled to ensure the security of the account.
4. Once the payment account is found stolen, contact the payment institution to freeze the account in time to prevent the loss from expanding.
Case 4: "Free Wi-Fi 15 minutes to steal passwords"
On the morning of February 20th 1, Mr. Qi, who works in Beijing, checked his account through mobile banking before going to bed. Not long after I fell asleep, at 2 am, the text message rang and the bank sent a withdrawal reminder, saying that my bank card had just withdrawn 2000 yuan from the ATM. At this time, the bank card is on him.
Just when Mr. Qi was surprised, the second and third short messages with similar contents came in, all of which were cash withdrawal and bank transfer. Less than 1 hour, 17 reminder messages, Mr. Qi was transferred away for a total of 34,000 yuan (7 withdrawals10.4 million yuan, bank transfer of 20,000 yuan). Because the card was handled in Changsha, at dawn, Mr. Qi immediately rushed back to Changsha to report the police.
Mr. Qi said that he likes surfing the Internet. As long as there is free Wi-Fi, he will "surf". "I must have been targeted when I used Wi-Fi, and the online banking information was stolen."
Criminals will set up password-free Wi-Fi to attract mobile phone users. Once the fishing Wi-Fi is connected, the operation records of mobile phone users will be copied and cracked by related software.
User accounts are stolen in two ways: when the website is not encrypted, it is directly cracked by criminals; For websites with high security factors, such as banks, Alipay and other websites, hackers will guide users to the cottage phishing website to obtain accounts and passwords. Because the information of online banking, Alipay and other financial websites and mobile phone clients has been encrypted layer by layer, it is difficult to crack, while Weibo, QQ, email, games and other accounts will be relatively easy.
Safety tips
1, it is usually best to turn off the automatic Wi-Fi connection. When using it manually, you should also read the name of Wi-Fi clearly, and try not to pay online on unknown Wi-Fi.
2. When logging into the website of mobile banking or payment institution, it is best not to use the browser directly, but to use the special application of the bank or third-party payment company.
3. If you find that the bank card has been stolen, you should contact the bank in time, freeze the bank account and call the police in time.
The fourth part: the security strategy of online payment-only with prevention can you be safe, and six magic weapons keep you within the security line.
At present, many consumers have "misunderstandings" about online payment security, one of which is to let themselves go. I only pay online, and security is a matter for banks and payment institutions, not for me; One is over-protection, caution, and every time you pay online, you are an enemy. You are afraid of being cheated by accident. No matter how much, good or bad, as long as all security measures and tools are used, the user experience of online payment is very poor, and sometimes it will become a burden to users. There is also a kind of negligence, easy to trust online mail and messages, and no security software is installed. In order to save trouble, the account and password settings are too simple. In order to ensure the safety of online payment, users must first have safety awareness and basic preventive skills.
The first magic weapon: ensure the security of the terminal and ensure that the security lock is intact.
Update antivirus software and operating system patches in time.
Download and install controls and software for bank and third-party payment directly from official website.
Don't click on unknown links or links and files sent by others easily.
The second magic weapon: take good care of sensitive information and ensure that the key is not lost.
ID card information, account information, bank card information, mobile phone number, etc. It should be properly kept and not easily provided to others.
It is not easy to keep the above information on small websites or unknown websites.
The third magic weapon: attach importance to password security, and the third guarantee of security.
Set a personalized password. It is set separately, which is different from the passwords commonly used in other public places.
Please don't use continuous, repeated and simple digital combination or digital information related to my birthday, telephone number and ID number. Dynamic passwords such as SMS verification code and dynamic password are related to account security and fund security, and are not provided to anyone, including those who claim to be staff or customer service. Any behavior of asking for SMS verification code is fraud.
Take care of payment security tools such as payment password cards, and don't give them to others. After use, it should be retrieved from the computer in time. If you lose it, please report it to the bank counter as soon as possible and go through the formalities for replacement.
The fourth magic weapon: make full use of all kinds of security products provided by banks or payment institutions.
All kinds of security tools or products provided by banks or payment institutions have strong pertinence and good security. When using online payment, users must make full use of these security tools or products, such as applying for digital certificates, opening mobile phone dynamic passwords, SMS reminders and other services to improve the security of accounts and transactions. If you often pay online, I suggest you open the professional version of online banking at the bank counter and install the digital certificate of online banking at the online terminal to ensure the security of bank accounts.
The fifth magic weapon: cultivate good safe payment habits
Try not to use online banking in public places such as Internet cafes and libraries. If you use online banking on a public computer, be sure to clear all information before closing the computer browser.
When applying for online payment service, you can freely customize the transaction limit you pay according to your own needs. Please set it according to your actual use to avoid possible economic losses in the future.
After the transaction is completed, whether the system prompt is successful or not, you should query the account balance and transaction details. Check the historical transaction details regularly and print the online payment business statement. If you find abnormal transactions or accounting errors, you should contact the bank or payment institution immediately to avoid losses.
Check the payment information carefully. When verifying payment, please pay attention to the information such as "merchant name", "commodity name", "quantity" and "total amount" displayed on the verification page to prevent wrong payment and wrong payment.
If there is any change in personal information (contact number, address, etc.). ), please promptly notify the bank or payment institution to modify the relevant information or modify it through the client.
The sixth magic weapon: choose banks and qualified payment institutions for online payment.
Online payment business should try to choose commercial banks and payment institutions licensed by the People's Bank of China. These institutions have a good reputation and relatively perfect security measures, so users can choose with confidence. For those online payment services provided by institutions without relevant qualifications or unknown sources, we should choose carefully. If we really want to use them, we should verify them in many ways before using them.
Part V: Mobile Banking-Can you give me the security I want?
In recent years, with the popularity of smart phones and the gradual maturity of the mobile payment market, mobile banking has developed by leaps and bounds. Due to the convenience of paying anytime and anywhere, it has been welcomed by the majority of users. Although it is very convenient to use mobile banking, compared with traditional online banking, mobile banking has more payment links, a more open and complicated payment environment, and users are more worried about the security of mobile banking. But at the same time, banks and payment institutions have taken more targeted and effective security measures for mobile banking.
1. What security measures has mobile banking taken?
Ordinary mobile banking adopts multiple security mechanisms. Mainly includes:
1, mobile phone number verification or SMS authentication:
(1) Online version: Log in through the operator and get the mobile phone number to handle the transfer payment business, or use SMS authentication to handle the transfer payment business after ordinary login.
(2) Client: handle transfer, payment and other services through SMS authentication.
2. Mobile banking password and bank card password: double password authentication.
In order to further strengthen security management, mobile banking prohibits the use of bank cards with the same number, serial number or customer's birthday.
3, picture additional code protection: avoid malicious stealing login password.
4. Verification of reserved information: prevent logging in to fake websites.
5. Key field encryption: First, locally encrypt keywords such as passwords, and then perform industry-standard SSL encryption.
6. Business control: you can use information, inquiry and financial management services without application; Transfer and payment services can only be used if they are enabled.
7. Trading limit: customers set their own trading limit to reduce risks.
8. SMS reminder: the reminder of account change notice and password input error notice.
2. What should I pay attention to when using mobile banking?
1. Please use my mobile phone to access the mobile banking, and don't give the mobile phone in a valid login state to others for use.
2, transfer, payment and other fund transfer services as needed, set appropriate limits and register the correct mobile phone number; If your mobile phone is accidentally lost, please contact the mobile operator as soon as possible to report the loss and reissue the mobile phone number.
3. Please access the correct mobile banking address through the browser that comes with the mobile phone or the browser that has been certified by security.
4. During use, try to log in with the mobile phone client. If you need to log in with a browser, if the mobile browser prompts "Save account and password information", please choose not to save; Turn off the "save account and password information" function in the settings of mobile phone browser, and regularly clean up the cache, Cookies, forms and other information in the browser.
5. When using mobile banking in public places, please take appropriate shielding measures when entering the password to avoid others peeping.
Part VI: What should I do if I find that I have been cheated?
The security of online payment focuses on prevention. Once you are found cheated, you should contact the payment service provider as soon as possible and take corresponding emergency measures.
1. What if I enter the password on the phishing website?
1. If you can still log in to your account: Please modify your payment password and login password immediately. At the same time, enter the transaction management to see if there are suspicious transactions. If yes, please call the customer service phone of the bank or payment institution immediately.
2. If you also enter the card information of the bank, please call the bank immediately to apply for temporarily freezing the account or reporting the loss by telephone (at this time, your bank account can only be credited but not issued).
3. If you can't log in, please call the customer service phone of the bank or payment institution immediately to apply for temporary supervision of the account.
Use the latest version of anti-virus software to scan the computer comprehensively to ensure that there is no Trojan horse hanging on the phishing website. If found, please modify the login and payment passwords again after confirming the computer security.
Second, what should I do if I find that my account funds have been stolen?
1. It is necessary to modify the account password at the first time and transfer the remaining funds.
2. Enter the transaction management, find suspicious transactions, and keep unauthorized fund transactions.
3. If the bank card account is stolen, please call the bank immediately to apply for temporary freezing of the account or report the loss by phone. (At this time, your bank account can only post, not post)
Seven-character formula for network payment security
Beware of strange phone calls and suspicious text messages.
Upgrade false information of online banking, and don't click on phishing websites.
Credit card consumption owes phone bills, which is difficult to distinguish between true and false.
The winning tax rebate is cheap, and the purpose is to coax you into remittance.
Wealth management and investment profiteering are mostly scams.
If anyone wants to verify capital, it is mostly a lie.
Relatives and friends are in a hurry. If you are not busy with remittance, please contact first.
Pretend to be the leader of the public security law, beware of the liar's acting.
Call yourself a triad and call the police immediately without hesitation.
If someone else does online banking for you, you must resolutely refuse him.
Online banking will be opened by itself, and security tools will be brought by itself.
Internet mobile phones and telephones, electronic payment is convenient for you.
But if you listen to the bad guy, it's easy to open him up and benefit him.
Let the deception change, I have an idea from the heart.
Ignore it, don't believe it, don't send money, just in case.
Fourth, educational speech articles 1.
Dear teachers and students:
Hello everyone!
The new semester opens up new hopes, new blanks ca