Mobile payment is now all over all walks of life, but the convenience at the same time, it will also bring a lot of risk, such as do not connect to the public WIFI outside casually, do not casually scan other people's QR code, do not casually install an unknown APP, do not casually download programs, do not casually click on an unknown connection, and so on.

But personally I think the risk of theft is not to worry about

The risk of theft, now the big mobile payment channel, such as Alipay, WeChat, etc. provided by the account insurance mechanism, Alipay is called account security insurance and bank card security insurance.

Alipay account security insurance is Alipay account (balance, fast payment, balance treasure, financial assets, flowers, borrowing) due to the loss of funds caused by the theft of others, Alipay account security insurance commitment to pay. The guaranteed amount is up to 1 million yuan, and there is no limit to the number of times you can pay out during the coverage period.

Alipay's bank card security insurance is to protect all domestic savings cards and credit cards (including mobile banking and Internet banking) under the name of the individual ID card, which are stolen, misappropriated, duplicated by others leading to the loss of funds, or threatened by the replacement molecules to disclose the password of the bank card leading to the loss of funds, can be compensated for. The coverage amount is paid out according to the purchased coverage amount, and there is no limit on the number of times it can be paid out during the coverage period. Such as the current 2.62 yuan / year can be insured 10,000 yuan amount, 9.42 yuan / year can be insured 50,000 yuan amount, 21.02 yuan / year can be insured 100,000 yuan.

WeChat Pay also has a corresponding insurance mechanism to protect the user's WeChat Pay account (Quick Pay, Zero Money, Zero Money Pass, Wealth Management account) from loss of funds due to theft by others. On the issue of personal privacy leakage I think there is no need to worry about, if it is really leaked, we buy things on Taobao Tmall Tuan and other information has long been leaked, as opposed to the offline mobile payment link privacy is not as valuable as your specific purchase of items and other habits, because the offline payment link to provide is only payment, and like Henan palm superior to provide merchants with the mobile payment industry solutions and marketing The fourth party technology research and development company, but also just the Alipay or WeChat payment and marketing function interface to do the landing development, the actual data is still in the Alipay and Paypal company, so relatively still safe.