Shulou(Shulou.com)06/02 Report--

This week, Alipay released its latest social responsibility report in the form of a drama called "5276 Please answer". The play explains that Alipay has been born for 15 years to do only one thing: to build trust. The play also revealed that Alipay's "you dare to pay, I dare to pay" this year will also enter the 15th year.

At first, when electronic payment was first introduced, many people worried that it was not safe enough, and the guarantee of "you dare to pay, I dare to pay" made everyone willing to try, opening the era of electronic payment in China. Today, Alipay has more than 1 billion global users, and China has become the most developed country in mobile payment, and this commitment continues.

In order to solve the problem of trust between buyers and sellers who are unfamiliar on Taobao, Alipay created a "secured transaction" in the industry. However, many users still do not trust online transactions and worry that it is not safe to put their money online. In order to solve the worries of users, in 2005, Alipay first launched "if you dare to pay, I dare to pay", promising that if the account is stolen, it will pay full compensation, dispelling users' doubts and making electronic payment popular.

For the traditional risk of account embezzlement, Alipay already has a perfect prevention and control, compensation mechanism. In recent years, there have been some new types of embezzlement on the network, such as Trojans, secondary release, scanning, phishing links, information leakage, merchant collection codes replaced, and even the loss of mobile phones. In view of this new trend, Alipay also continues to optimize, covering these scenes in the "you dare to pay, I dare to pay" range.

With hard-core safety technology, the hope that there is no thief in the world can be expected.

Dare to promise "you dare to pay, I dare to pay", and adhere to it for 15 years, Alipay said that this is to let users have a better experience, and this strength also comes from the world's leading security technology. At present, the intelligent real-time risk control system (AlphaRisk) used by Alipay has been upgraded to the fifth generation, and the introduction of artificial intelligence, biometric and other technologies, so that the transaction asset loss rate is as low as 10000000 (5/10000000), far lower than that of international counterparts. With the continuous upgrading of the risk control system, the asset loss rate will further decline.

Alipay intelligent real-time risk control system integrates risk analysis, early warning and control, carries on machine learning through data analysis and data mining, automatically updates and improves risk monitoring strategy, and is equipped with risk audit expert team to carry out risk inspection and disposal. There are hundreds of millions of transactions on the Alipay platform every day, and the security system can conduct multi-dimensional risk detection on each transaction in less than 0.1 seconds to ensure that the transaction is foolproof.

The "bodyguard", who guards the money bags of 1 billion people, has repeatedly won various awards: for example, it has won the second prize of the National Science and Technology Progress Award, one of the most authoritative awards in China's science and technology circles, and is the only Internet company to win such awards. In May 2019, he won two heavyweight awards: the first prize of Zhejiang Science and Technology Progress Award and the first prize of Shanghai Science and Technology Progress Award.

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