Is it possible to use the data in a safe manner?

Reporter sliding Mingfei Shanghai reported

Recently, Alipay and Shanghai Pay Information Services Co., Ltd. (hereinafter referred to as pay-pass) "break up" incident a hubbub. PayPal is the largest public utility bill-taking platform in Shanghai. Its system is directly linked to relevant agencies such as electricity, gas and water utilities. In 2009, the two sides began to cooperate and Alipay will pay toll-gate as a channel to provide users with payment and inquiry services.

June 30, pay unilaterally announced the termination of cooperation with Alipay, one of the reasons is Alipay "grilled data." It is understood that this argument is Alipay launched in 2011, the user custom query payment function, if the user sets the payment time every month, Alipay will be paid in advance from the pay-pass system to push data to the user, and in the process, this part Data also entered the Ali system. Therefore, PayPal believes that Alipay launched large-scale bill inquiries is "Pa" data.

Subsequently, Xiaomin micro-financial services group (chief chip officer) Hu Xiaoming microblogging direct response: "Alipay never worry about access to data, but will never use the disgraceful means to get the data."

In a sense, this is again a data battle. With the explosion of big data, agencies are also placing more emphasis on data and with a mandatory color. The last two months, Jingdong, No. 1 stores also have access to data, the main channel ISV (third-party service providers) "incorporated", requiring ISV products must be entered into the platform transactions. Taobao's policy on cell phone number protection rumors even more stirred up the market fierce reaction.

The effects brought by the use of big data have been highlighted. Credit loans by Ali Microtech and Jingdong Baibai are all typical applications. But for most platforms, including BAT, which already has big data, continued access to data remains a key strategy for the future.

So, the various platforms through which the entrance and access to data? How can they promise to use the data without infringing on privacy and ensuring safety?

Data entry

In the traditional era, banks, operators and other users are the largest users of data. In the Internet age, search, e-commerce and social networking represented by BAT have become the protagonists of data acquisition. They are larger and faster. And with the advent of smartphones, wearables, and commercial WIFIs, the reach of Internet companies to access data has extended to every corner of the world, including food, clothing, housing and healthcare.

An objective result is that Internet companies are acquiring a large amount of user data while providing convenient services. Future stores launched by WeChat, future hospitals promoted by Alipay, future buses, and comprehensive free WIFI programs can all be regarded as new ways to obtain data. Alipay and pay-through cooperation, the objective is also a lot of access to the user's life data, such as the user's electricity consumption, payment limits, address and so on. It is understood that at present Alipay has been directly connected with the power sector and other relevant departments to continue to provide inquiries payment services.

Behind each user contact is a long data flow pipe. Tao Jie, general manager of Shanghai Qibang information products headquarters, said through WIFI, you can get a business daily traffic, you can get part of the user's mobile phone number, activity area, gender and age. Qi Bang information was a digital product agents, has transformed the commercial WIFI business. According to the design pattern, the commercial WIFI can even perceive the range of activities that the WIFI user has used. For example, a merchant can immediately obtain data and push the privilege information to the user for the second time near a merchant. It is understood that, at present, Ali, Tencent, millet and other companies are in the commercial deployment of WIFI layout.

In addition, Internet companies are also accessing merchant data through business management software. Liu Zhigang, head of the departmental ERP department, said that the e-commerce platform only has some data, such as the transaction amount, running water, commodity pricing, etc., while the businesses using ERP upload the operation data of the entire enterprise to the software developer's server, Profit, labor costs, and even the cost of each courier.

21st Century Business Herald reporter learned that Alibaba has been working with third parties such as business faction cooperation, through the transfer of this part of the data to assist in reviewing the application for loans business qualifications. E-commerce software has become an important channel for data access. Jingdong and No.1 stores have adjusted their new policies this time. Third-party service providers are also regarded as the first step in getting access to the software channel.

It is understood that Lynx Taobao current order full link is also achieved through ERP software. Business orders to download, play a single, picking, picking, packing, delivery and other data are entered through the ERP system Lynx Taobao database.

The data obtained by the e-commerce platform is also getting more and more accurate. At present, Taobao preferential policies to encourage businesses to upload bar codes of goods in order to more accurately understand the platform of product information. Previously, the same product, merchant description vary widely, which has some impact on the platform to analyze the data, and through the bar code, the product data obtained by the more accurate.

Data usage and security

Liu Zhigang reminded reporters, in addition to major Internet companies, software companies have user data, the logistics company has become a big data owner. This is also one of the main driving forces for Shunfeng to launch the Heyxu Community Store again following the launch of SF Preferred.

A Shanghai-based logistics company official said that with the development of e-commerce, logistics companies have accumulated a large number of consumer information, whether it is before the dealer manually enter the delivery information, or once promoted by Taobao electronic single, logistics and courier companies can Access to product information and some of the consumer's personal information (address, phone number, etc.).

He said Shun Feng through data analysis, you can basically determine what area consumption is relatively large, what kind of product is popular, so you can shop in a targeted manner.

For the recent rumors about Taobao's protection policy on cell phone numbers, the head of the logistics company expressed strong dissatisfaction and he thought it undoubtedly cut off the channel for logistics and express delivery companies to obtain real data. "Data is consumer-provided and can not be monopolized by a single company." Clearly, the use of big data is gaining in popularity, but the definition of authority between data owners, providers, and users is unclear.

On the other hand, in the era of big data, consumers' data passively enters the servers of all parties. How to ensure data security and user privacy has always existed.

All kinds of data owned companies have said that there is a complete set of security systems, similar, but how to ensure data security during the specific use? Tao Jie said that the information of the state information only for the results of analysis, through the software call and analysis of data, and the results presented will not involve a specific analysis of the user. He said the data is handled by encryption desensitization.

Alipay said Alipay users sensitive data such as ID card information, card number, password, etc. All advanced cryptographic processing, no one at any time can not be obtained. For example, Ali's BI department is independent in both physical and network environments. Ali has a unified data distribution center, the staff to complete a download, its information will be pushed to its supervisor simultaneously. At the same time, the data must be run on the specified terminal.

After Alipay paid for the "break up" incident, Hu Xiaoming said although the importance of big data is already reached by consensus, most of the participants are not yet maturely employed. Therefore, there is no consensus in the industry on the basic principles to be followed in the big data industry.

In his opinion, the basic principles should include: First, the principle of customer information protection, all related to the use of customer information must be built on the basis of customer initiative, voluntariness and authorization; Second, the effective protection of customer privacy The principle of absolute guarantee of user privacy of the information; Third, the principle of data exchange and reciprocity, data sharing to complete the return, value-added, and then the process of precipitation, making sharing and exchange of both parties to benefit; Fourth, the principle of value measurable Data cooperation must be made before an objective value assessment system to ensure fair and equitable cooperation.