Payment safety eco-circle construction plan officially started

Alipay millions of institutions set up to pay security ecosystem

Type: Chang Shanggao Author: Wang Zi Time: 2014-06-30 16:42:35

On June 30, the construction plan of payment safety eco-circle initiated by Alipay officially started. The construction plan involves millions of institutions including the Ministry of Public Security, security industry bases, security vendors, hardware manufacturers, online and offline businesses, etc. , Alipay accumulated ten years of wind control system will be fully exported from the outside, to promote the ecological circle of security data and technology to effectively share, so as to create users from the cloud to the end of the network defense.

Prior to the 3-4 years, Alipay has developed a number of defense mechanisms, including identification with the bank identity, anti-phishing and security vendors and vendors to establish a database, jointly developed with Microsoft equipment health model, each defense, are Can reduce the incidence of related cases 8-9 into. Therefore, in response to changes in the environment, Alipay launched a wider range of security defense through the construction of an ecosystem to create a secure cloud based on big data to promote the free movement of all aspects of safety.

Let the risk probability of one hundred thousandth become the whole network standard

In the ecosystem, Alipay will first export its own complete set of payment security technologies, including system security, authentication, risk assessment and risk management and decision-making. Alipay security product technology director Cao Kai said Alipay ten years to explore a large number of security air control model, and even subtle user input account information percussion keyboard rhythm, Alipay also established a judgment model, because the rogue input rhythm Often different from the user and I, this is like a handwriting, can help determine whether the user account is abnormal. Wind technology such as these, most of the institutions is difficult to grasp in the short term, therefore, Alipay will be exported to the partners in the ecosystem to help them quickly improve risk prevention capabilities.

At present, in the case of more than 10 billion yen in Japanese transactions, Alipay still promises users full payment. The key is that Alipay will reduce the risk probability to 1/10 million. Hu Xiaoming, CRO of CRO, a small micro financial services group, said that this is already a world-leading level and that Alipay hopes to build an ecosystem and 1/10 million to become the industry standard for the domestic Internet.

In order to allow more institutions to participate in the entire network of defense, and share the results of the construction of the ecosystem, Alipay output technology, but also with millions of agencies to create a network-wide secure defense cloud. In this secure cloud, various agencies share data and technologies, for example, a single user can intelligently associate with different accounts of different websites. When A website has a user login and enters payment and other key links, A website can provide security The cloud initiates risk consultation. After the security cloud evaluates the user's behavior, it will give corresponding security suggestions. For example, a user who has never played a game suddenly logs in to a game website for a large amount of spending, and the security cloud sends a risk alert to the game manufacturer after identifying an exception.

In order to attract more small and medium-sized security vendors with expertise and innovation in the segment, the Alipay will jointly build a security fund by jointly establishing a secure cloud. The first batch of investment will reach 40 million yuan. At the kick-off ceremony on the very day, Alipay - Shanghai Guoxinan United Security Laboratory jointly constructed and operated by Guoxin Security Base and Xiaoguijin service took the lead in announcing the establishment of a "Alipay Security Innovation Fund" with a total value of 10 million yuan. The fund It will provide free project funding support for innovative technologies and programs in the fields of information security, application security, identity verification and verification, credit system, anti-cheat, risk trading, fraud identification and other fields.