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探索安全与效率平衡之道 给移动支付加把锁

2017-09-13 04:41:22   中国经济网

伴随着场景的丰富和线上线下的打通,移动支付安全风险也在不断上升。专家认为,要想保证支付安全,需要采用新技术手段,同时也要加强整个产业的协同与合作。此外,还要加快法律法规建设,加大违法成本

从打车、买菜、缴水电煤气费到购买理财产品,移动支付正逐渐取代人们的钱包,变得无处不在。2016年,中国的移动支付业务达到257亿笔,金额达到157万亿元人民币,同比分别增长86%和46%。

与此同时,钓鱼木马、网络诈骗、隐私泄露等与移动支付安全息息相关的“陷阱”也层出不穷。中国互联网协会副秘书长石现升表示,在国内手机用户遇到的手机安全软件问题中,支付陷阱占比最高,达88.3%。中国银联发布的《2016移动支付安全调查报告》也显示,2016年遭受支付欺诈的用户比例不仅有所上升,受损金额也持续走高,其中约1/4的受调查者曾受骗,相比于2015年的调查结果上升了11%。

移动支付的安全与效率似乎是一个难解的矛盾,如何在二者之间找到平衡,给移动支付安全加上一把锁?

“安全”“效率”平衡有道

“支付是实现价值创造和价值交换的最后一个环节,中国作为当今全球电子商务和移动支付发展最迅速的市场,支付安全的重要性远远超过了以往任何时候。”中国社科院金融研究所所长助理杨涛如是说。

移动支付安全风险不断上升,原因在于场景的丰富和线上线下的打通。Visa首席风险官艾睿琪表示:“随着越来越多的场景、场所、设备和人成为支付的接入点,支付风险会继续存在并持续上升。”

在支付厂商们看来,如何在确保支付效率和便捷的同时,不断提升安全性,是目前首要的任务。腾讯微信支付研发中心负责人周俊就表示:“用户的便利性和安全性始终存在冲突,如何在保证用户体验的情况下加强安全性,一方面是基本的技术底层要加强,在系统安全方面要能够应对黑客侵袭、应急处理等种种情况;另一方面就是要不断采用新技术,比如在客户端识别,防控外部风险,甚至不断加入生物识别的能力。此外,还要以多种手段,比如事后赔偿、保险公司承保等,来提高用户消费行为的安全系数。”

新技术的采用是提高安全性的重要手段。三星电子大中华区内容战略部总裁陈立人告诉记者,三星完善了虹膜识别功能,让消费者只有在本人注视手机屏幕的情况下才能完成支付。“消费者并不需要额外的动作,但手机的支付安全性得到了巨大的提高。”硬件的安全水平还在不断加强。国家安全标准委在8月底已对安全手机标准立项,意在研究制定手机安全标准,其中将包括关键硬件、软件信息基础设施的网络安全防护能力,系统安全等级,APP权限限定等。

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