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Internet payment refers to the behavior that customers initiate payment instructions through computers, mobile phones and other devices to purchase specific goods or services, and rely on the Internet to realize the transfer of monetary funds.
Internet payment is a form of online transaction, which mainly includes online banking, third-party payment and mobile payment. Internet payment belongs to the kind that needs special "care". Because from the micro level, Internet payment is directly related to the immediate interests of users such as property security, and from the macro level, it is also related to the stability of the national financial system.
For example, the third-party payment company has accumulated a huge amount of funds and gained the potential ability to carry out financial business, which can have an impact on the entire financial system. From the perspective of ensuring national financial security, government supervision is definitely necessary.
At present, the supervision of Internet finance will extend to the third-party payment business, which is mainly determined by the main characteristics of the development of Internet finance in China. At present, the main body of internet finance in China includes two parts: one is that traditional financial institutions touch the internet, also known as financial internet; The other part is the integration of internet platform and finance, which is close to pure internet finance, mainly represented by the platform of third-party payment institutions, engaged in internet payment and consignment of financial products.
Looking at the current third-party payment market, let alone innovation, only in terms of risk control, security model and technical specifications, love payment has clearly taken the lead. Since the establishment of 20 1 1, Aifu has made great efforts in the construction of risk control system and the practice of safety technology. At present, the bank-level risk control and security guarantee have been fully realized. At the end of the risk control system, by integrating all the platform resources of the People's Bank of China, UnionPay and commercial banks, and taking the policy as the criterion, the fund supervision and transaction monitoring are implemented in a full-dimensional chain. Based on the four core links of "risk prevention, risk monitoring, risk investigation and risk disposal", a one-stop risk prevention and guarantee system has been established, from the qualification examination to the monitoring of transaction data by the risk system, the investigation of risk cases and the adoption of risk control measures until the risk cases are submitted to the regulatory authorities and public security departments. At the same time, in terms of security, the three core modules of "network security measures, transaction authorization security measures and follow-up remedial measures" can realize the Aegis-level capital security matrix. First of all, network security includes firewall, MD5 digital signature, PCI security authentication, SSL certificate encryption, password security controls and other multi-layer protection encryption settings. Secondly, in terms of transaction authorization security measures, it integrates multi-level authorization identification tools such as security center, security toolbar, digital certificate, love shield and mobile phone dynamic password. Finally, in the follow-up remedy, a series of additional processing methods such as case tracking, case comparison, blacklist, data analysis and RMCS rule adjustment are integrated. Industry veterans believe that the whole security system of Love Pay is complete in level, comprehensive in application environment and comprehensive in scene coverage, and will gradually become the security coordinate of the third-party payment industry in China.