As more and more services are delivered through online channels

As more and more of the basic necessities of the service through the online channel funds delivery, the network "fishing" fraud is rampant, people are impossible to guard against. Recently, Beijing's Mr Lai on the Internet to buy air tickets encountered a false website of the fishing.

Yeepay pay Wind Control Manager Tan Juan to our correspondent detailed online payment fishing the entire process, Trojan fishing and false phishing will be in the user payment process tampering orders, users are difficult to detect, Third-party payment companies can not recognize the altered orders.

The survey report of China Internet Network Information Center shows that users have the highest security rating for secured transactions, but many third-party payment tools, including Yeepay payment, do not have the function of secured transactions, and give the payment security hidden dangers. And the industry pointed out that, because the market competition is too intense, some payment agencies exist to the merchant audit lax phenomenon.

stealthily Tampering with orders

According to Mr Lai, he purchased a ticket at a website called Fidelity Airlines, but failed to buy the tickets after the payment was completed. Subsequently, the site will not be able to log in, the phone is no answer, inquiries Airlines also have no relevant purchase ticket information.

The electronic receipts provided by the Bank show that the payee is Beijing Tong Rong Information Technology Co., Ltd., that is, yeepay payment. Mr Lai calls Yeepay to pay customer service, is told that it is not to buy tickets, but game currency, the money has been transferred to a company located in Changsha, the cultural spread of the United States and the day.

Yeepay pay related people to reporters that access to the merchant have strict audit process. If a user complains that a merchant has a fishing or fraudulent act, it will immediately freeze the merchant's account and, if there is a problem, close the merchant's port. For the United States and the sky culture, yeepay payment means has not been contacted.

According to Tan Juan, common phishing has three ways: first, through e-mail or chat tools such as the provision of links to access. Second, in the user's computer embedded trojan, users online payment when the Trojan will start, modify the user's order. Third is the fake website, the lawless elements imitate the shopping website to establish the false website, through the low price induces the user to order the payment.

Tan Juan said Mr. Lai had suffered from a typical fraudulent phishing site. By the Trojan "fishing", the user in the shopping site under the order will be Trojan program replacement. At the same time, an order is also generated to be submitted to the payment company, and by way of stealthily, the user pays the money on behalf of the other order.

Merchant Audit Vulnerabilities

Mr Lai suspects that third-party payment companies may be able to unite with outlaws to defraud users. Yeepay pay the relevant people insisted that the access to the merchant have strict audit, more impossible and illegal merchant collusion. "The payment company does not see the user's information and does not know what the user is buying," says Tan Juan. "Third party payment company as a payment channel, can not verify the authenticity of the transaction, also can not identify the true and false orders and altered orders."

A payment industry person told reporters: "The competition between enterprises is very fierce, do not rule out yeepay in the market share facing the erosion of a large number of payment companies, will relax the requirements of the merchant." ”

Currently, the top ten pay companies occupy 95% of the volume, while the other 300 are grabbing 5% of the remaining market share. Analysys International data show that in 2012, the third party Internet payment market share, Alipay accounted for 46.6%, Tenpay accounted for 20.9%, silver network payment accounted for 11.9%, the third is accounted for nearly 80% of the market share. The sixth Yeepay paid, with a market share of only 3.5%.

The above people also said that many businesses will be agents, underwriting and other status of third-party payment companies to access the channel, that is, with the payment company has the cooperation of the merchants will be leased to other merchants to use, but it is difficult for payment agencies to monitor these businesses.

As for the restriction of commercial tenants through the collection of margin, these people think it unrealistic. "Now the Third-party payment company is too competitive in the market, it is difficult to contract a quality merchant." ”

China Internet Network Information Center released in 2012, "China's online Payment security status Report" shows that 3.2% of the online payment users said in the last six months have encountered the payment of unsafe incidents, including phishing scams to pay the first. The results of the questionnaire survey show that users have the highest security rating on secured transactions, such as Alipay's trading model.

But paying agencies, including Yeepay, say the models are different and do not replicate Alipay. "Alipay paid in Taobao is Consumer-to-consumer, many are personal shops, personal reputation is very low, so need to guarantee." And we are not user-oriented individuals, the face of the industry or merchants, the credibility of the high, there is no need for this, and will not replicate this model. ”

For the user due to the loss of the fishing fraud, Alipay has also announced High-profile, to give users a free safe insurance, if the occurrence of fishing or stolen brushes, will be covered by the full payment of insurance. and Yeepay payment, said, will not be the loss of Mr Lai after fishing compensation, please its alarm processing.