During the Spring Festival this year, some criminals created some "fake red envelopes" that need to enter payment passwords or fill in personal information such as mobile phone numbers, ID numbers, and bank card numbers before they can be received, in an attempt to defraud money. These "fake red envelopes" often jump to unknown links, and after the user fills in the information and submits it, the Trojan virus in the background can steal the mobile phone verification code randomly sent by the banking system and transfer the money in the bank card at any time. This problem has aroused widespread concern in the society, highlighting the urgency of building a strong line of defense for online payment security.
At present, driven by the continuous wave of digitalization, online payment has shown strong growth momentum. Taking this year's Spring Festival as an example, data released by the People's Bank of China shows that from Chinese New Year's Eve to the eighth day of the first lunar month, the Netlink Clearing Company and China UnionPay processed industry-wide online payment transactions on average 26300 million transactions, the amount of 125 trillion yuan, an increase of 18 percent year-on-year6% and 80%。This set of data not only reflects the vigorous development of China's network economy, but also reflects the growing demand of consumers for online payment. Because of its convenience and efficiency, online payment has become an inclusive basic financial service that is inseparable from residents' lives. However, just like the two sides of the coin, due to the high convenience of the online payment process, once the user's account information, payment password and other key information are obtained by criminals, the security of the user's funds will face a serious threat. It can be said that with the continuous iterative development of technology, the prosperity of online payment is also accompanied by a series of security risks.
Payment security problems arise from both technical and administrative reasons. From a technical point of view, although the current online payment system is highly developed, there are still risks such as hacking, data leakage or illegal use. And, as payment technology continues to innovate, new security vulnerabilities may emerge as well. From the management perspective, some payment institutions still have shortcomings in information security, risk prevention and control, etc., which will also lead to opportunities for criminals.
How to build a safe and reliable online payment environment? From the perspective of payment institutions, it is necessary to continue to strengthen technology research and development and innovation, and continuously improve the security and stability of the online payment system. Through the introduction of advanced encryption technology, identity authentication technology and other means to ensure the integrity and confidentiality of transaction information. It is also necessary to strengthen the research and application of new payment technologies, such as blockchain technology and artificial intelligence, to provide more solid technical support for online payment.
From a regulatory perspective, the relevant authorities should further improve the legal and regulatory system, formulate stricter payment security standards, standardize the business behavior of payment institutions, and ensure that they operate on the track of legal compliance. Payment institutions should actively carry out self-examination and rectification and strengthen transaction monitoring in accordance with the requirements of supervision, so as to effectively prevent risks. In addition, users also need to improve their awareness of self-protection and risk identification capabilities, and always be vigilant when using online payments, and do not easily disclose important information such as personal accounts and payment passwords.
Security is the guarantee of development. Only by building a strong line of defense for online payment security can we promote online payment to give full play to its advantages and development potential, and promote the sustainable and healthy development of China's digital finance and network economy.