What is financial consumption information?
Financial consumption information includes: personal name, gender, ID number, occupation, marital status and other basic information; Personal income status, real estate status, vehicle status and other property information; Bank account, account balance, transaction status and other account information. And personal credit information, financial transaction information, personal consumption habits, investment willingness, etc.
Are you relieved after reading this information? Yes, this information constitutes a complete portrait of personal financial consumption, and once leaked, it will bring serious consequences to consumers.
Especially some basic information, many consumers can easily lend their identity documents, bank cards, credit cards, etc. For others to use, fill in real personal information in the information collection column of unconfirmed network platforms and offline unknown channels, or entrust an unidentified third party or intermediary agency to handle financial business. These behaviors will bring information security risks to consumers.
Generally speaking, protection of information should pay attention to the following points:
1, don't disclose personal information easily, don't take photos on the internet at will, and send geographical location;
2. Don't download unknown apps at will, connect to public ***WiFi, or register an account online or browse unsafe websites.
3. When signing a contract with a lending institution, pay attention to signing a confidentiality agreement. When using a copy of your ID card, indicate the purpose and copying time, such as the words "X is for special use" to avoid being used for other purposes.
4. Financial business documents, such as credit card signing, withdrawal slip, statement, etc. , should be properly kept, discarded documents should be crushed or destroyed in time to avoid arbitrarily discarding personal information picked up and deciphered by criminals.
5. Before financial transfer, confirm the identity of the other party to avoid being impersonated and defrauded by people of unknown origin.
In addition, due to the upgrading of technical means, credit card issuers have also increased many means to ensure the safety of users' financial consumption. For example, the anti-fraud model of Guangfa Credit Card's first AI transaction set a "transaction switch" on the "Discover Wonderful" APP, the mobile phone flash payment comes with Token technology to replace the real bank card number with virtual value for transaction verification, and the "transaction security guard" service. It will realize information security.
China Merchants Bank's retail intelligent risk control platform "Libra System" can capture multi-dimensional data such as transaction time, transaction amount and payee when users transfer money. Then the risk control model will make high-speed calculation according to these real-time and quasi-real-time data, judge the risk level of users in real time, and then take different measures to verify the identity of users in combination with the output results of the model, so that external fraud and counterfeit transactions can be killed in the cradle in real time during the transaction process.
In addition, "Libra system" can also use advanced graph algorithm and graph analysis technology to mine fraudulent associated accounts through backtracking afterwards.
The anti-fraud system of Shanghai Pudong Development Bank can scientifically diagnose and handle users' abnormal trading behavior from multiple dimensions, cover online and offline transactions, and embed various financial application scenarios to realize real-time interception of high-risk transactions and control the fraud loss rate below one million.
Financial institutions have a long way to go to safeguard consumer information security and ensure the safety of financial consumption. Similarly, consumers should also raise their awareness of information security and not give criminals an opportunity.
Disclaimer: The operation suggestions in this paper only represent the views of third parties and have nothing to do with this platform. Investment is risky, so be cautious when entering the market. Deal with it accordingly at your own risk.