The Era Of Electronic Payment Accelerates And Security Issues Can Not Be Ignored.

As the core link of e-commerce, online payment is increasingly becoming an indispensable part of people's daily life. Especially with the popularity of online shopping and the popularity of express industry, China has begun to accelerate into the era of electronic payment.

While the market is hot, safety problems need to be solved.

However, it is far from enough to take precautions against the risks that may exist in online payment.

It requires not only the efforts of various platforms, but also the safety awareness of Internet users, and the involvement and support of relevant departments.

At the same time, it is also a necessary measure to raise the industry threshold by issuing licences.

Accelerated era of electronic payment

In recent years, the unprecedented prosperity of e-commerce has been given.

From 2005 to 2010, electronic payment showed a growing trend. The volume of pactions doubled in the following years: the size of China's electronic payment market in 2008 was 274 billion 300 million yuan, 2009 was 576 billion 600 million yuan, 2010 reached 10858 billion yuan, and the growth rate was 96%.

According to AI forecast, by 2012, the scale of China's electronic payment industry will exceed 2 trillion yuan.

As the deadline for application of the third party e-payment license is approaching, all enterprises in the industry are ready to prepare for the final examination.

In addition, in 2010, the third party payment enterprises gradually bypass operators through other ways, and lay the risk of being marginalized in the field of mobile payment.

In order to solve the bottleneck problem of mobile payment,

According to the Beijing News, China Unicom has begun recruiting for the establishment of payment companies, and China Telecom is also planning to set up a payment company recently.

Although China Mobile has not yet set up a payment company, its stake in Pudong Development Bank is to prepare for entering the mobile payment market.

On March 3rd, Wang Jianzhou, member of the CPPCC National Committee and chairman of the Chellona Mobile Communications Corporation Cmcc, confirmed that China Mobile is applying for a third party payment license and is ready to work with financial institutions to establish a third party payment platform.

There is no doubt that the entry of operators will add a fire to the booming electronic payment market and accelerate the arrival of the era of e-commerce.

Electronic payment is being chosen by more and more users with its unique convenience and autonomy.

At the same time, in order to satisfy users' demand for online payment, more service enterprises begin to use electronic payment as an option for users to pay.

At present, the scope of the use of electronic payment is expanding. Repayment, payment, booking of tickets, online shopping and so on, people can easily complete various life experiences through the Internet. Electronic payment plays an increasingly important role in social development.

Safety issues should not be ignored.

The development of new payment methods brings us a change in life, but at the same time, there are many dangers.

On the one hand, consumers applaud the convenience and independence of electronic payment. On the other hand, consumers are also worried about the following problems: information and capital security, system stability and protection of legitimate rights and interests.

In addition, viruses, Trojan horses,

According to the safety tips issued by the 360 safety center, there were more than 7300 kinds of "online shopping Trojan horses" in 2010, and 10 kinds of commodities were most easily used: clothes, shoes, mobile phone recharge cards, digital cameras, cosmetics, cell phones, game cards, accessories, furniture and notebook computers.

Because these ten kinds of commodities are easy to send out Trojan horses, such as the clear picture of clothing, the detailed configuration of digital products, or the temptation of low price discount, such as mobile phone recharge card and game card.

And phishing, as one of the many fraudulent practices on the Internet, is becoming more and more rampant.

It is reported that the "black" industry chain of Internet payment has initially formed, and its harm has exceeded the traditional virus and Trojan horse, and the indirect losses to the society may exceed 20 billion yuan.

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A survey shows that phishing attacks often use fraudulent e-mail and forged Web sites to do fraudulent activities, and deceived people often disclose their financial data for negligence, such as credit card numbers, account user names, passwords and social security numbers.

Usually, fraudsters disguise themselves as trusted brands such as well-known banks, online retailers and credit card companies. Up to 5% of all users who contact fraudulent information respond to these scams.

In addition, part of the third party payment platform itself "for the tiger", but also cast a shadow over the network payment.

In fact, it is hard for consumers to detect the unsafe factors in online payment.

In addition, the harm of Trojan horse and phishing websites is becoming more and more serious, which will lead to more troublesome questions: shopkeepers, consumers and electronic trading platforms, who are to blame, whether to pay for hackers, who should pay for hackers, and so on.

In the whole process, consumers' rights protection will also face many obstacles, such as difficulty in obtaining evidence.

Multilateral efforts to ensure paction security

During the "12th Five-Year" period, e-commerce will be included in the important part of strategic emerging industries, and electronic payment as an important part of e-commerce, has attracted the attention of all parties.

The increasing popularity of e-commerce and online consumption, and the risks that may arise from fraud, have attracted the attention of CPPCC members.

The multi-level and three-dimensional payment service system needs to be established urgently.

He Qiang, member of the CPPCC National Committee and director of the securities and Futures Research Institute of Central University of Finance and Economics, pays more attention to the security of the third party payment. He also suggests that we should prevent and combat the risks that may exist in the online payment. We can not rely solely on the efforts of the enterprises. The public security departments must also step in and give more support.

The case is too small to file a case, and it should also be changed.

Indeed, the efforts of the online payment system depend on the efforts of various platforms and are not enough to solve them thoroughly.

On the one hand, we need to make up for the shortage of our electronic payment infrastructure as soon as possible. On the other hand, strengthening social management and further improving relevant laws and regulations become an urgent and important task.

At the same time, similar to Taobao's online shopping platform, it should set up a strict supervision mechanism against sales fraud to combat cyber fraud and false information.

In the industry view, the issue of licenses has been pending is also a key measure.

On the one hand, once the "awkward status" of the third party payment is solved, the new industry can be accepted by more traditional enterprises. On the other hand, the issuance of licences will raise the industry door and regulate the whole industry through the survival of the fittest or merger and reorganization.

Of course, increasing the safety factor of electronic payment can not be separated from the participation of every netizen in the "social management" of Internet pactions, and it is more necessary for Internet users to enhance their safety awareness.

In short, there is always a sparse pattern.

No matter what tricks the Trojan or phishing websites are playing, the parties are stepping up their efforts to make a comprehensive effort to solve the problem of online payment security, so that electronic payment can give more power to people's lives in 2011.