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The author:(作者)hpmailerpublished in(发表于) 2013/11/18 8:35:34 Alipay account stolen， officials： problems in the user’s own，
Alipay account stolen, officials: problem users-PayPal, PayPal wallet-IT information Alipay account stolen, officials: problems in the user's own
This year's "double 11" Ali plays the beautiful battle: cat Taobao trading volumes reached 35 billion dollars, PayPal transactions amounted to 170 million. As we all know, PayPal is an online wallet, many online trading without it, while Bao, micro-credit, balances it with Ali Internet banking are more closely linked. The purse so important, once being stolen, the consequences would be unthinkable. More recently, Alipay users may encounter this predicament, very troubled. They cannot help but worry: safety what kind of PayPal?
QR codes into a "culprit" Alipay account theft
By 2009, all minds "double 11" is just a single section, the best ending day is "naked" on November 11, 2009, the "double 11" gradually being swept by the electricity supplier, has become an annual shopping Carnival.
According to Ali this year "double 11" transaction data shows: cat Taobao trading volumes reached 35 billion yuan the same day, 19.1 billion yuan over last year has increased by 83%; PayPal transactions reached 170 million.
However, not everyone caught up in shopping, there are some online stores due to PayPal theft and shadow, that Mardi Gras day "timid" ... ...
In mid-October, Zhejiang Zhuji Taobao shop Lady, who lives in introducing products, with customers being set, brush a Trojans QR codes, PayPal account theft. When Ms Qian found after the exception is PayPal account to take prompt action, call accounts and transfer funds.
However, Ms makes money off guard was that stolen PayPal accounts to Alibaba's micro-loan of 11,000 yuan. This Bill will undoubtedly fall on money Lady head.
Through numerous contacts with Ali, Ms Qian finally will loan a solution. However, PayPal is safe has become a question in her mind.
"I can't put in PayPal right now more than 1000 Yuan, immediately go to the bank card. "A few days ago, Ms Qian told reporters, after it has been stolen, she uses PayPal to become cautious.
Coincidentally, the Shandong a lady befell Taobao shops with money, Alipay stolen, loans of 5,000 to Alibaba. "Fortunately, my level is relatively low, only loans of 5,000 yuan, or really don't know what to do. ”
Because of this loan, the Taobao shop is a headache, that she "double 11" on this shopping Carnival has left a cloud of sorrow.
At present, Shandong to Ali Taobao shops are applied for lift loan.
PayPal: System control for one-tenth
About QR codes such new means of fraud, PayPal says this year's August already concerned that make consumer warning through the media.
PayPal brand customers and communicating with the public-public communication Department senior manager made Zhu Jian told Xinhua in an interview, the user's PayPal account due to brush the QR code was stolen, this is not a PayPal system problems in itself, but cell phone Trojan to steal the user's personal information, that it was also leaked information about PayPal.
Zhu Jian, PayPal has developed a risk-management system in terms of security, the system will be based on more factors to determine whether the transaction security, "is not just a password right, transaction codes, right, (the) intelligent system will analyze additional factors, such as is the equipment in a safe environment if there are changes? ”
"The system can control risk at one in 100,000. ”
Zhu Jian believes that in this world where there is no hundred percent security and risk control system unable to promise absolutely no risk, PayPal can do is to try to reduce the probability of risk, and constantly improve the accuracy of the system.
In addition, Zhu Jian commitment on a stolen PayPal account user, PayPal will bear all the losses.
Financial Internet/1 under crimes against
Nowadays, Internet banking has been hotly debated.
Apart from the four major commercial banks earlier launched online banking, then Tencent launches micro-joint letter PICC PICC paid mobile phone, Bao Taobao tianhong Fund jointly developed the balance, including: Yi Fubao, Pak fubao, quick money and a number of third-party payment platforms.
There is no doubt that Alibaba staking long pre-dates the Internet finance, occupy an important position.
In the industry's view, Ali large financial business has basically banks of "kernel". Balance Po, Ali, micro-credit, PayPal indirectly achieving the Bank's three core business "deposit, credit, foreign exchange" feature.
PayPal as a trading platform for micro-credit balances treasure, Ali, Ali is particularly important in Internet banking.
Data shows that up to the first quarter of 2012, Alipay account reaches more than 600 million people.
Follow the PayPal risk management systems for risk control in 1/10wanlai computing, PayPal account, approximately 6,000 potential problems.
Now, when you use a PayPal account, users get used to put money into a PayPal account at home and abroad, also likes to bind directly to a bank card or a credit card as a "fast pay".
If PayPal is stolen, with convenient payment Gets the funds in the bank card, then the loss is relatively large. "Double 11" day, a PayPal user accounts revealed on Twitter that day at about 1 o'clock in the morning, asleep PayPal theft shortly thereafter on the PayPal Express payment bank cards were taken in batches of 30,000 yuan.
Therefore, the "6,000" this data is negligible for the whole PayPal, but for any one person, are not willing to have "just in case".
Experts: don't let security slow Internet financial down
Since June of this year, Internet banking grew rapidly and is represented by the Po, Baidu financial balance financial products received by investors on the other side of the Internet. Professor of the Central University of finance and Chen Ying, said in an interview, in the long run, Internet financial for traditional banking and bank deposits, will have some degree of separation.
Financial times of the Internet is unstoppable. Financial security can be protected on the Internet?
, Vice President of Zhejiang University, Faculty of Economics Finance Professor Jiang Yue-Xiang said the financial insecurity of the Internet phenomenon has always existed, not only in China, but also in foreign countries.
"How to strengthen the financial management in Internet, enhanced Internet financial security throughout the country and the financial system as a whole is to think about the problem. "He said, to Internet standardization of financial, to have uniform standards, such security may make.
Jiang Yuexiang also believes that the technology is more mature, just want to know how to use the most advanced technologies to develop better products, to ensure product safety.
In addition, user shopping experience, logistics, express of China e-business research center Yao Jianfang, an analyst from online data analysis that, "account theft" is Internet shopping complaint more serious problems.
Yao Jianfang said that improper use of stolen account in addition to the user's own problems, the main problem or account platform there is insufficient. In her view, the current Internet financial products frequently are introduced, but follow-up support system was inadequate, so much so that the safety was questioned.
Yao Jianfang believes that Internet financial products should be under the technical conditions are ripe to launch to ensure product safety, cannot allow security dragged down.
支付宝账户频被盗，官方：问题在用户自己 - 支付宝,支付宝钱包 - IT资讯支付宝账户频被盗，官方：问题在用户自己
今年“双十一”阿里又打了漂亮的一仗：淘宝天猫交易额达350亿元，支付宝交易达1.7亿笔。众所周知，支付宝像是一个网络钱包，现今不少网上交易都离不开它，而它与阿里小额贷款、余额宝等互联网金融更是息息相关。如此重要的钱包，一旦被人盗取，那么后果不堪设想。近来，个别支付宝用户就遭遇到这种困境，十分烦恼。他们不禁忧心：支付宝安全度究竟有几分？
二维码成“祸首”支付宝账户频被盗
2009年以前，大家心中的“双十一”只是一个光棍节，这一天最好的结局是“脱光”；2009年11月11日起，“双十一”逐渐被电商所包揽，成为一年一度的网购狂欢节。
据阿里公布的今年“双十一”的交易数据显示：当天淘宝天猫交易额达到350亿元，比去年的191亿元增加了83%；支付宝交易达到1.7亿笔。
可是，并非所有人都在兴致勃勃地购物，有一些淘宝店家因支付宝被盗过而心存阴影，以至于狂欢节当天也“缩手缩脚”……
10月中旬，家住浙江诸暨的淘宝店家钱女士与客户介绍产品时被下套，刷了一个木马二维码，致使支付宝账号被盗。当钱女士发现支付宝账号异常后迅速采取行动，报警且转移账户资金。
可是，令钱女士措手不及的是，被盗的支付宝账户居然向阿里巴巴小额贷款1.1万元。这笔账无疑落在了钱女士头上。
通过多次与阿里联系，钱女士终于将贷款一事解决。可是，支付宝是否安全却成了她心里的一个疑问。
“我现在支付宝里不敢放超过1000元，多了马上转到银行卡里。”日前，钱女士告诉记者，经过被盗事件后，她使用支付宝变得格外小心。
无独有偶，山东一位淘宝店家所遭遇的事情与钱女士一般，支付宝被盗后，向阿里巴巴贷款5000元。“幸亏我的等级比较低，只能贷款5000元，不然真不知道怎么办。”
因为这笔贷款，该淘宝店家十分头疼，以至于给“双十一”这个购物狂欢节也落上了愁云。
目前，山东淘宝店家正在向阿里申请解除贷款。
支付宝：系统风控为1/10万
有关二维码诈骗这种新手段，支付宝方面称今年8月已经关注到，当时通过媒体做出过消费警示。
支付宝品牌与公众沟通部-公众与客户沟通部资深经理朱健在接受记者采访时提出，用户的支付宝账号因刷二维码被盗，这并非支付宝本身系统问题，而是手机木马将用户的个人信息盗取了，以至于有关支付宝的信息也泄露了。
朱健表示，支付宝在安全方面开发了一个风险控制系统，这个系统会基于更多的因素来判断交易是否安全，“不仅仅是密码对不对，交易码对不对，(这个)智能的系统会分析更多的因素，如操作是不是在安全的环境下、设备是不是有变化？”
“这个系统可以将风险控制在10万分之一。”
朱健认为，这个世界上没有百分百安全的地方，而风控系统也无法承诺百分百没有风险，支付宝方面能够做的是尽量降低风险的概率，不断提高系统的精确度。
另外，朱健承诺，针对支付宝账户被盗的用户，支付宝方面会承担所有损失。
互联网金融下1/10万的危害
时下，互联网金融备受热议。
且不说早前四大商业银行推出的网上银行，而后腾讯推出的微信联合人保财险的手机端支付，淘宝联合天弘基金开发的余额宝，还有包括：易付宝、百付宝、快钱等多家第三方支付平台。
无疑，阿里巴巴早在互联网金融中跑马圈地，占据重要位置。
在业内人士看来，阿里金融的众多业务已基本具备了银行的“内核”。余额宝、阿里小贷、支付宝间接实现了银行三大核心业务“存、贷、汇”的功能。
支付宝作为余额宝、阿里小贷的交易平台，在阿里互联网金融事业中显得尤为重要。
数据显示，截至2012年第一季度，支付宝注册账户达到6亿多。
按照支付宝风控系统将风险控制在1/10万来计算，支付宝账户中约6000个有可能出现问题。
如今，在使用支付宝账户时，用户除了习惯将资金打入支付宝账户中外，还喜欢直接绑定一张银行卡或信用卡作为“快捷支付”。
若支付宝被盗，通过快捷支付获取了银行卡中的资金，那么损失就比较大了。“双十一”当天，一位支付宝用户账户在微博上透露，当天凌晨1时许，在熟睡中支付宝被盗，紧接着支付宝上快捷支付的银行卡被分批取走3万元钱。
所以，“6000”这一数据对于整个支付宝而言微不足道，但对于任何一个个人而言，都是不愿意发生的“万一”。
专家：别让安全拖互联网金融后腿
今年6月以来，互联网金融迅速兴起，以余额宝、百度理财为代表的互联网金融产品受到投资者追捧。中央财经大学金融学院教授陈颖在接受采访时表示，从长远看，互联网金融对于传统理财方式以及银行的活期存款都会有一定程度的分流。
互联网金融时代势不可挡。互联网金融安全是否能得到保障？
浙江大学经济学院副院长、金融学系教授蒋岳祥表示，互联网金融不安全的现象一直存在，不仅在中国，国外亦如此。
“如何加强互联网金融管理，加强互联网金融安全是整个国家和整个金融体系要思考的问题。”他表示，要对互联网金融规范化，要有统一的标准，这样相对讲安全性可能会提高一点。
蒋岳祥还认为，技术层面已经较为成熟，只是电商要懂得运用最先进的技术来开发较为完善的产品，确保产品的安全性。
另外，中国电子商务研究中心用户购物体验、物流快递分析师姚建芳从网购的数据中分析得知，“账户被盗”是网购投诉比较严重的问题。
姚建芳表示，账号被盗除了用户自身存在使用不当的问题外，最主要的问题还是账户平台存在一定不足。她认为，目前互联网金融产品频频被推出，可是后续的配套系统还不够完备，以至于安全备受质疑。
姚建芳认为，互联网金融产品应该在技术等条件成熟之下再推出，确保产品的安全性，不能让安全性拖了后腿。
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