Pay pass farewell to pay-pass, large data basic principles domestic not formed consensus

Recently, Alipay and Shanghai pay-pass Information Services Limited (hereinafter referred to as pay-pass) of the "breakup" incident uproar. Pay-Pass is Shanghai's largest utility billing platform, and its system is directly connected to power, gas and water services and other related institutions. 2009, the two sides began to cooperate, Alipay will pay through as a channel to provide users with payment and inquiry services.

June 30, the payment of a unilateral announcement and Alipay stop cooperation, one of the reasons is Alipay "grilled data." It is understood that this statement refers to Alipay 2011 launched the user customized inquiry payment function, if the user set the payment time per month, Alipay will advance from the payment system to extract data to the user, and in this process, this part of the data also entered the Ali system. As a result, the pay-pass thinks Alipay has launched a massive billing inquiry in "grilled" its data.

Then, Hu Xiaoming, chief risk officer at the small Micro Financial services group, responded directly to Weibo: "Alipay never worries about access to data, and it never uses disgraceful means to get data."

In a sense, this is again a struggle for data. With the popularity of large data, agencies have become more and more concerned about the data, and with the mandatory color. In the last two months, Jingdong, shop 1th and so on will be the main access to data acquisition ISV (third-party service providers) "incorporation", requiring ISVs products must enter the platform transactions. Taobao's policy on mobile phone number protection has sparked intense market reaction.

The effect of large data use has been highlighted, Ali small loan credit loans, Beijing-East white stripes are typical use. But for most platforms, including BAT, which already has large data, getting data continues to be a key strategy for the future.

So what are the portals and channels through which each platform gets the data? How do they ensure that the data is used without violating privacy and ensuring security?

Data entry

In the traditional era, banks, operators, etc. are the largest user data owners, and the internet age, the bat-represented search, electricity quotient and social become the main character to obtain data, larger, faster. And with the advent of smartphones, wearable devices, and commercial WiFi, internet companies have been able to access data to every corner of food, clothing, housing and even medical care.

An objective result is that internet companies are acquiring a lot of user data while providing convenient services. Micro-letter launched the future of the store, Alipay-driven future hospitals, future public transport, full free WiFi program can be seen as a new way to get data. Alipay and pay-pass cooperation, objectively also in a large number of users to obtain life data, such as the user's electricity consumption, payment amount, address and so on. It is understood that the current Alipay has been directly connected with the power and other related departments, continue to provide inquiry payment services.

Behind each user contact is a long data flow pipeline. Shanghai Zibong Information Products Headquarters general manager Tao Jie said that through WiFi, can obtain a merchant daily traffic, can get some of the user's mobile phone number, activity area, gender and age. Zibong information has been a digital product agents, has now been transformed into commercial WiFi business. In its design mode, commercial WiFi can even perceive the range of activities used by the WiFi user, such as when the user is near a merchant for the second time, the merchant can get the data immediately, and then push the preferential information to the user. It is understood that at present, Ali, Tencent, Millet and other companies in the commercial WiFi to expand the layout.

In addition, Internet companies are acquiring data from business management software. Shangpai ERP department head Liu said that the electric business platform only has some data, such as turnover, water, commodity pricing and so on, and the use of ERP merchants will be the entire enterprise operating data uploaded to the software developers of the server, such as net profit, labor costs, and even the cost of each courier.

21st century Economic Report reporter learned that the current Ali small loan has been with Shangpai and other third-party service providers, by calling this part of the data to assist the Audit application loan business qualification. Electric business software has become an important access to data channels, Beijing East, 1th stores this adjustment of the new policy, "incorporation" Third-party service providers are also considered to get through the software channel to obtain data first step.

It is understood that the day cat Taobao current order full link is also through the ERP software implementation. Business orders to download, play a single, distribution, picking, packaging, out of the library and other data are through the ERP system into the cat Taobao database.

The data obtained by the Electronic Business platform is more and more accurate. At present, Taobao with preferential policies to encourage businesses to the goods bar code upload, in order to more accurately understand the platform's commodity information. Before, the same commodity, the description of the merchant is very different, which has a certain impact on the platform analysis data, and through the bar code, the product data obtained more accurate.

Data Application and Security

Liu reminded reporters that, in addition to major Internet companies, software companies have user data, logistics companies have become a large data owners. This is also one of the main driving forces behind the introduction of the Hi-Customer community store after Shun Fung's optimization.

The head of a Shanghai logistics company said with the development of electric business, logistics companies have accumulated a large number of consumer information, whether it is before the merchant manually input distribution information, or Taobao once promoted the electronic noodle sheet, logistics and courier companies can obtain merchandise information and consumer part of personal information (address, mobile phone number, etc.).

He said that through data analysis, shun Fung can basically determine which areas of consumption is relatively large, what kind of goods are popular, so can be targeted to open the shop.

Taobao about the recent mobile phone number protection policy rumors, the logistics company responsible for expressing strong dissatisfaction, he thought that this will undoubtedly cut off the logistics courier company to obtain the real data channel. "Data is provided by consumers and cannot be monopolized by a single company." "Obviously, the use of large data is becoming more and more widespread, but the definition of authority between the data owner, provider and user is not clear."

On the other hand, in the big Data age, the consumer's data passively enters each side's server, how to guarantee the data security and the user privacy dispute always exists.

All kinds of data owned companies are said to have a complete set of security systems, similar, but how to ensure data security in the specific use of the process? Tao Jie says that the data for Zibong information is used only for analysis of results, and that data is invoked and analyzed by software, and the resulting results do not involve specific analysis of a particular user. The data, he says, are handled by encryption and desensitization.

Alipay said, Alipay to the user sensitive data such as ID card information, card number, password and so on all the use of Advanced encryption technology processing, no one at any time can be obtained. And for example, Ali's BI department in the Physical Office environment, or network environment are independent. Ali has a unified data distribution center, the staff to complete a download, the information will be synchronized to their supervisor. At the same time, the data must run at the specified terminal.

Alipay paid for the "breakup" incident, Hu Xiaoming said, although the importance of large data is already a consensus, but most of the participants have not yet mature application, so the industry on the big data industry should follow the basic principles did not form a consensus.

He believes that the practice of small gold clothing the basic principles should include: first, customer information protection principles, all related to the use of customer information must be based on customer initiative, voluntary and authorized basis; second, customer privacy effective protection principle, absolute guarantee user's information privacy security; Third, data equivalence and exchange principles, After data sharing, we should complete the process of reflux, increment and precipitation, and make the mutual benefit of sharing and exchanging. Four, the value can measure the principle, must establish the objective value appraisal system before the data cooperation, guarantees the cooperation fair and just.