On 20 16, relevant institutions issued a classified management mechanism for personal payment accounts, which will classify the authentication methods and risk levels into three categories according to the user's identity information.
Its special feature is that the third type of users in payment accounts are the most powerful accounts, which can not only consume and transfer money normally, but also purchase various wealth management products. But the account has the same limit, and the maximum limit is 200,000 yuan.
When the balance is upgraded, the user's online merchant bank account will be the second type of bank account. Like the function of a bank, as long as the user transfers the balance to a bank account, he can enjoy the current income.
This not only increases the payment amount, but also exchanges the balance with the online merchant's bank account, which is equivalent to the Alipay balance being your bank account. While enjoying the related services brought by banks, we should also abide by the relevant rules. In addition, if you don't want to use this function, you can turn off the service at any time.
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Matters needing attention
1, each password is carefully set, and it is best not to repeat it.
Including mobile phone password, Alipay login password, payment password and gesture password. Try to avoid setting the digital password to your own date of birth, house number, student number or work number, and make the gesture password as complicated as possible. Although these passwords are sometimes cracked, at least they buy us some time to freeze our accounts.
2. Turn off the secret-free function.
Recently, Shanghai Jing 'an District Court issued three cases of theft by Alipay, one of which is typical: because the maximum amount of confidential payment was 200 yuan, the thief used the small confidential function to steal his roommate's mobile phone, sent himself more than 200 red envelopes overnight, and withdrew more than 40,000 yuan the next morning.
3. Alipay exits after use.
Usually, when we use Alipay on our mobile phone, we don't deliberately quit our account for convenience. However, this creates a problem. Others can access your Alipay account with your mobile phone without entering your account number and login password. In case your payment password is known to others, they can transfer money directly.