What are the possible risks associated with online payments?

What is the risk of payment, the mobile phone prompts that there is a payment risk, that is, the recipient's account is abnormal, or his payment account is abnormal. If there is no problem with the personal account, you should pay cautiously to avoid financial losses due to the recipient's account, then you can give up using mobile phone payment, and then use money to complete the relevant payment. If there is a payment risk due to the abnormality of the personal account, it is best to find the reason in time to correct it, and you can make normal payments after resuming normal use.

Account abnormalities are generally caused by improper use of oneself, such as frequent changes of mobile phone numbers, too frequent personal fund transactions, etc.

Hello dear, I'm honored to answer for you. What is the risk of paymentAnswer: The transfer shows that it is risky because:

1. The other party has violated the rules and has been reported; 2. The other party has been trading frequently recently; 3. There is a change in the transaction location or IP address of the other party; 4. Adding too many friends in a single day in a row will also prompt the existence of risks; 5. If the transfer amount is too large, or the transaction amount of the other party exceeds a certain value, the system will be temporarily frozen or closed. Users can find WeChat [Help Center] by clicking [Me] - [Payment] - [Wallet] to seek help from customer service.

1. There are hidden dangers in network technology security. The electronic payment of online banking is carried out in a paperless environment, which must technically ensure the security of data transmission and ensure that the transaction data is not stolen or tampered with. As a result, people began to question security issues such as information loss, duplication, misorder, and tampering in the process of data transmission after information digitization.

2., virtual trading risk. The working environment of online payment is based on an open system platform, and the identities of both parties to the transaction are placed in the virtual world, which undoubtedly increases the risk of electronic payment;

3. The infrastructure needs to be developed. Online payment uses the most advanced means of communication, the requirements for software and hardware facilities are very high, and the immature technical software provides an opportunity for hackers and other criminals, so the development of an impeccable Internet payment system has become a bottleneck restricting the development of e-commerce;

4. The improvement of laws and regulations is used as a guarantee. Online payment is an important step for both parties to achieve their respective transaction purposes, and it is also the basic condition for the development of e-commerce. However, the risks of online payment are not limited to the problems in the process of consumer payment, but also include the liability of banks or other issuers in the event of disputes, as well as the fund transfer system of online payment instruments.

Therefore, only by clarifying the legal relationship between the participating entities can disputes be better resolved and disputes prevented.

Legal basisArticle 53 of the Law of the People's Republic of China on E-commerce Training.

The parties to the e-commerce may agree to use electronic payment methods to pay the price.

Electronic payment service providers providing electronic payment services for e-commerce shall comply with state provisions, inform users of the functions, methods of use, precautions, related risks, charging standards, and other matters of electronic payment services, and must not attach unreasonable transaction conditions. Electronic payment service providers shall ensure the completeness, consistency, traceability and audit of electronic payment instructions, and the immutability of electronic payment instructions.

Electronic payment service providers shall provide users with reconciliation services and transaction records for the last three years free of charge.

Open the Alipay app, click on the lower right corner of my, click on the interface - security settings - reset the payment password, return after the reset, click on the security center - payment guard, security detection, after the security detection is completed, the risk of the Alipay account can be lifted, and you can make normal payments and payments.

Usually, when the payment software and the mobile phone system are incompatible, as well as the software of the first class carries bad plug-ins, and even the mobile phone system itself has problems, there will be mobile payment risk warnings. The mobile phone prompts that there is a risk, which may be a large risk for the merchant you are collecting money from, and it is recommended that you raise your awareness of the risk of online payment to ensure that the payment environment is safe.

Online payment security risks.

Online payments are no stranger to many people. You may have made an online purchase** payment through an online bank transfer from a commercial bank, a deposit for a transaction, or through some professional online payment service provider (such as "Alipay"). All of these payment methods via the internet are online payments.

The popularity of online payments is not consistent. On the one hand, many people feel the speed and convenience of Internet payment, so they have a soft spot for online payment, and they feel that online payment can significantly reduce the pain of running back and forth between banks and avoid the trouble of queuing; On the other hand, some people shy away from online payment and dare not try online payment easily. According to the survey and analysis, the different attitudes of different groups of people towards online payment are largely due to their different levels of concern about the security of online payment.

In other words, for the latter, they feel that online payments need better security. Judging from the current development level of online payment and the emergence of online payment cases, the current online payment security technology and means have been relatively mature, and the vast majority of online payment security incidents are more due to the lack of necessary security awareness and skills of payers.

Is there a safety hazard?

People's concerns about anything change with the stage of development of that thing. At different stages of development, the point of risk changes, and society's focus on it may change. For online payment, the current mainstream method is to use bank cards (including credit cards, debit cards and payment cards, etc.) as a payment tool, enter the necessary payment authentication information through the browser, and deduct the payment after being authenticated and authorized by the card issuer.

At this stage, the payment risks mainly exist in:

Payment password leakage. Once an attacker obtains the payment password through some means, they can easily impersonate the cardholder to make purchases through the Internet, bringing losses to the cardholder. This is where people's main concern about the security of online payments lies.

Payment data has been tampered with. In the absence of the necessary security precautions, an attacker can modify payment data transmitted over the Internet. For example, an attacker can modify the payment bank card number, payment amount, and payee to achieve profit-making and create Internet payment incidents.

The blind shed denies payment. Online payment is the process of transferring funds from the payer's account to the payee's account through an online settlement service provided by a commercial bank. For the fund transfer operation, if the payer denies to issue the fund transfer instruction, the commercial bank will be in a passive situation; For the transfer of funds, if the commercial bank denies the transfer of funds, the payee will be in a disadvantageous position.