Alipay to respond to the balance treasure stolen event or with SMS being hijacked about _IT industry

A few days ago we reported that Mr. Huang balance treasure 40,000 yuan of money inexplicably stolen news, Mr. Huang said he still has a certain degree of security knowledge, download the security controls, the operation requires mobile phone dynamic text messages, even if it is so safe to look like the setting, 40,000 dollars or in Mr. Huang did not know the situation turned away, Later, when Alipay contacted Mr. Huang, he was informed of the situation.

A few days ago Alipay responded balance treasure was stolen, after investigation, said, according to the preliminary judgement of the balance treasure stolen events may be and identity information leakage and the message was hijacked, pay treasure to remind everyone concerned about their information security, if found that the phone for a long time did not receive text messages and other unusual circumstances, to timely contact with operators to view.

Ali Small Micro Finance Division general Manager Shang Response, the balance treasure does exist the risk, but the theft rate is not high, stolen risk rate of one out of 10,000. Stolen users can be regarded as "unlucky winners."

Pay Treasure Person Introduction, its work on network security payment includes the upstream and downstream of the joint industrial chain to create a safe terminal environment, reduce fishing, trojan, control the occurrence of virus, and through large data for more accurate behavior identification, and public security departments, financial institutions to cooperate in the identification of users.

Shang said the risk management ability of Alipay played a role in the above cases. Before the consumer found the loss, Alipay has been through risk control to intercept the loss of 60,000 yuan. However, the risk of theft can not be completely avoided, so the balance treasure commitment, once it occurs, will be through the theft of insurance by the partners to pay the full amount of security payments to consumers. He explained, "The balance treasure embezzlement insurance claims the way is similar to everybody familiar with the strong risk, but the balance treasure is stolen the risk to be lower than the traffic accident." ”

said to be stolen as an "unlucky winner."

Prior to that, there are media reports that Mr. Huang in Alipay to launch the balance of treasure, processing the balance treasure business, and in the balance treasure deposit 300,000 yuan. October 12, in the case of Mr. Huang's ignorance, 40,000 yuan in his account was turned away. Whether there are loopholes in the payment system and the problem of fund security are widely concerned.

Alipay survey said that the preliminary judgement of the incident with identity information leakage and message was hijacked, and remind consumers to pay attention to their information security, found that the phone abnormal (such as long time did not receive text messages, etc.) timely contact operators to deal with.

"From the balance treasure of the turnover, the number of transactions, its stolen risk rate is not high." Shang told the Beijing News reporter that the stolen risk rate is one out of 10,000, the stolen users can be regarded as "unlucky winner." According to the figures disclosed in July, the balance treasure launched 18 days cumulative number of users more than 2.5 million, the launch of a monthly sales breakthrough tens of billions of dollars.

Public information shows that the current Alipay total 850 million registered accounts, the number of daily transactions 30 million, based on this huge base, even if the loss rate of one out of 10,000, also means a large amount of money. After the introduction of balance treasure business, network security more Test Alipay security system.

The claim of embezzlement is similar to the risk of making a strong

Pay Treasure Person Introduction, its work on network security payment includes the upstream and downstream of the joint industrial chain to create a safe terminal environment, reduce fishing, trojan, control the occurrence of virus, and through large data for more accurate behavior identification, and public security departments, financial institutions to cooperate in the identification of users.

Shang said the risk management ability of Alipay played a role in the above cases. Before the consumer found the loss, Alipay has been through risk control to intercept the loss of 60,000 yuan. However, the risk of theft can not be completely avoided, so the balance treasure commitment, once it occurs, will be through the theft of insurance by the partners to pay the full amount of security payments to consumers.

He explained, "The balance treasure embezzlement insurance claims the way is similar to everybody familiar with the strong risk, but the balance treasure is stolen the risk to be lower than the traffic accident." ”

In addition, Ali small micro-research institute Dean Chen Dawei said, Ali temporarily will not consider peer-to-peer business. The reason is that peer-to-peer default rate of up to 2%, the market is not mature to a certain extent, the understanding of risk is low.

Scale

Surplus Treasure Purchase amount has reached 130 billion

Tianhong will be the only investment manager of the balance treasure, which means that Tianhong will enjoy the cake alone.

Beijing News (reporter users) yesterday, Ali small micro-finance domestic business group president Genming said, Ali in the Money fund will no longer cooperate with other fund companies, Tianhong will be the balance treasure the only investment managers. He also disclosed that the balance treasure accumulated purchase amount has reached 130 billion yuan. That means the fund will enjoy the money-fund cake that is likely to be nearly billions.

For the first time, it only cooperates with Tianhong.

Ali small micro-finance domestic business Group President Genming yesterday said Alipay in the money fund will no longer cooperate with other fund companies, only Tianhong a company, but other High-yield wealth management products will appear on the Ali platform.

This is Alipay for the first time on the balance of treasure suppliers open the issue. According to Alipay in the balance Treasure first press conference and the idea of communication with the SFC, Alipay has been intended to balance treasure in the introduction of 3-4 monetary funds.

Industry insiders said that, in accordance with the SFC's "demand treasure" and other products supervision, investors have no choice is to determine whether the sales organization to obtain a licence, one of the factors, the industry also expected other companies to participate in the balance treasure. But Genming yesterday's statement showed that in the interest of the day Hong Fund, Tianhong fund will become the only investment manager of the balance treasure.

It also means that the Fund will be able to enjoy the money-fund cake that is likely to be close to billions. Previous data have been said Tianhong balance treasure linked to the increase of the money fund approximation 50 billion yuan, the current industry forecasts its size should be 60 billion yuan-70 billion yuan.

The Balance treasure Gate closes, the Fund cooperates with other Internet company is unfolding. Fund industry Personage said, the Baidu financial platform will be the fastest in late October, will launch a financial products, to "seniors income + ultra-low threshold" as the selling point. Previous reports have reported that the product's annual yield of 7% to 8% per cent.

said the acquisition of Tianhong was meant to control risk

Ali Small Micro Financial services group CEO Pengley said, the acquisition of Tianhong fund is not intended, but in the process of cooperation, in order to protect the huge customer base of the security and liquidity of the security and thought of. Pengley that the balance treasure is not the general financial management, but already is a basic business, in order to ensure the user funds and the security of the bottom of the business, only to take the way to buy, because do finance more security.

Genming said, Ali small micro should be the balance treasure behind the Money fund investment direction has stronger, more direct control, guarantee its capital security. He said that while the fund's risk is low, it remains concerned about extreme risk events similar to Everbright Securities. According to his statement, the balance treasure accumulated purchase amount has reached 130 billion yuan (purchase volume, not the final size, not included in consumption and scale).

Background

Internet companies scramble to enter banking

Because Ali small micro-finance includes payment, microfinance, finance and many other business, already has some "banking function", the outside world has been concerned about the pace of Ali into the banking sector.

From yesterday Ali small micro-finance executives attitude, its network banking, private banking licence applications, it seems that there is no timetable and plans, at least not the initiative to put forward with the traditional banks to compete for food posture.

September 16, Alibaba Group and Minsheng Bank signed a strategic cooperation framework agreement. It is reported that the above cooperation is not exclusive, Ali is still happy to open the door to other banks.

For "Alipay did a lot of bank work", Ali Small Micro Financial department general manager Shang said, the water and electricity, money, and so on behind the banking business. "All of our work is based on what the banks are doing, the cooperation with the banks is broken, we can't do anything." ”

Media reports say Tencent is also actively applying for a private banking licence, which has been approved by the Guangdong provincial government and reported to the CBRC. However, Tencent responded that "the company is only a minority shareholder of a consortium and currently has no intention of directly applying for a banking licence", which is a member of the licence to apply for a private bank, rather than the dominant party.

Compared with Ali, Tencent, Suning's attitude is more clear. Suningyun said recently, "Suning Bank" name has been approved by the State Administration for industry and commerce, follow-up work in the bank application is being followed up. Suning, Tencent has previously set up a microfinance company, engaged in the financial sector business; In late September, Beijing-east, Baidu also in Shanghai Jiading set up a small loan company. (Liu Xia)

Competitors

Micro-credit payment threat Alipay?

Micro-letter 5.0 version of the formal online micro-credit payment function, master more than 400 million users of the number of micro-letter declaration to kill into the field of payment, it will shake Ali Alipay Business original market position caused by the industry hot debate. "Micro-trust is not a threat to us," said a number of senior executives at Ali Micro-finance yesterday. ”

"Alipay spent 10 years building a credit system. Ali a total of 400 employees in the security, need time to accumulate, not enough users, the platform is big enough to do well. "Ali Small Micro Financial services group CEO Pengley said.

She says she believes in the genes of every company and believes that the industry specializes in it, while reminding and admiring the innovation of micro-letters, but when it comes to this innovation, the financial security system is not understood thoroughly, but it is worth paying attention to the risk.

Ali small micro-finance domestic business group president Genming said, micro-letter payments do is still only pay, but Alipay has not been a magnitude. "Talking about paying too little to pay treasure to do things today." ”

However, the release of the 7.6 new version of Alipay Wallet yesterday shows that it is plotting to move aggressively towards the micro-credit site. In this version, the Alipay open platform debut, which means that within the Alipay wallet, users can add a "public service account" similar to a micro-letter, using a third-party application function.

At present, the merchants including Citic Bank, Ping An bank, mobile, China Unicom, and so on, users can carry out billing inquiries, change the mobile phone package, and in the micro-letter public number on the service provided more like.