So, let's discuss the following. Which bank card is more secure, WeChat or Alipay?
Actually, both Tencent and Alibaba have strong technical teams, trying to hack into Alipay and WeChat systems to steal users' money, which is basically a small probability event.
You should know that Alibaba's security department claims to be the Pentagon level. If a hacker dares to attack Alipay rashly, once he is tracked by its security department, he may be in jail, and the cost is not high.
while the amount of Alipay or WeChat account is stolen, it usually happens at the user's end.
1. For example, on September 15th, 217, Ms. Tang of Chongqing clicked on the link after receiving a short message, prompting that a strange program was installed. Ms. Tang installed it without much thought, and one day later, her Alipay account was stolen by purchasing the service of Apple Store.
2. If the bank card and mobile phone number are not reported in time after the user's mobile phone is stolen, it is very likely that the amount of Alipay and WeChat accounts will be stolen, because the other party can transfer all the money in the account, including the bound bank card, by simply clicking Forgot Password and resetting the password.
In this respect, Alipay and WeChat are the same. Therefore, once the mobile phone is lost, it is necessary to report the loss of the mobile phone number, freeze the bank card, call Alipay or WeChat customer service as soon as possible, so that the account amount can be guaranteed not to be stolen.
Generally speaking, WeChat is a social function, and Alipay is the real wallet; Once the WeChat account is seized, the balance of the account is also dangerous. In addition, Alipay also has account insurance. Therefore, users prefer Alipay for large funds and WeChat red envelopes for small change.
security rank order: bank > Alipay > Wechat.
There is no doubt about the security level of banks. Next, let's talk about Alipay and WeChat.
1. Alipay is a special payment and financial platform, which has a relatively high security level in managing large amounts of funds, and Alipay pays for stolen brushes. The wealth management products in Alipay are relatively rich, so it is quite convenient to speculate in gold, buy funds, buy regular deposits, or directly put them in Yu 'ebao to earn income.
2. As a social platform, WeChat is indispensable for red envelopes, so it is indispensable to put some money in WeChat. As for the storage of large amounts of money, it can also be considered to put it in WeChat change or change pass. Although WeChat does not focus on finance, its technology can also ensure the safety of funds.
AliPay and WeChat compete and promote each other in the payment field. Neither party will allow itself to compare too much variance, otherwise it will be a dead end. So, don't worry, you can choose.
Pony says the coupon answers your question.
The two platforms you mentioned belong to P2P platforms, which are basically the same in nature. If you want to compare them, you can only see whether Ali is in danger of bankruptcy or Tencent is likely to go bankrupt.
from the perspective of security, the safest thing is to deposit it in the bank or convert it into national debt, because all of them are guaranteed by the state. If there is a problem with the private enterprise platform, the state will not pay compensation.
Now P2P requires funds to be deposited, and the security is still greatly improved, because the deposited funds and enterprise assets are separated and are not included in the liquidation assets.
However, for security reasons, it is recommended to invest in formal national financial institutions, which all have online financial platforms and are strictly supervised by the state, such as banks, brokers and insurance.
As a financial worker, I told the subject that it is safe to put it on Alipay or WeChat. There is no question of who is safer than who.
At present, Tencent, Ali and Baidu have relatively strong technical strength. As two Internet companies with similar technical strength in China, Alibaba and Tencent not only have strong internal control technology to support security, but also have strong technical teams. Any attempt to hack into Alipay and WeChat systems with hackers and Trojans and steal funds is almost zero. Even if such cases may happen occasionally, they will not harm the whole, and will be fixed soon, and loopholes will be filled.
moreover, the two internet companies also have strong financial strength, so even if there is a small probability of stolen funds, they will recover or settle claims for customers in time, and there is no need to worry about the loss caused by funds.
personally, I prefer AliPay. I have read many cases on the Internet, and it is necessary to pay for the stolen Alipay. (And there is account security insurance, and it seems that money is not expensive in 2 yuan.) WeChat is hard to say.
this is the income I used to put in Yu' ebao. Now the money is given to the daughter-in-law for safekeeping. It is said that the income of Yu' ebao has become lower.
Personally, I think Alipay or WeChat are very safe at present, which is basically similar to what you deposit in the bank. Just don't disclose the payment password. If your mobile phone is lost, you need to apply for reporting the loss at the first time. Basically, it's similar to the operation steps of the bank, and you don't need to worry about the safety of funds. Besides, Alipay and WeChat both have interest, which is a little more flexible than the bank. At present, for me, I only put a little money on Alipay's WeChat to distribute red envelopes.
Grug Jun thinks.
Ali and Tencent both have more than 2, top Internet employees, with $5 billion in cash flow in their hands and a bunch of younger Internet companies behind them. A soldier is stronger than Ma Zhuang.
If one of their companies has a major security loophole, it is almost a problem that need not be worried at all.
of course, no matter how perfect the software is, the biggest loophole may still be people.
Just like all kinds of popular telephone and online scams, they are not clever and have a lot of loopholes, but they can still succeed. Therefore, it is the most important thing for people to do the necessary safety protection.
I remember a piece of news two days ago. A lady lost her mobile phone, and then she foolishly refused to freeze the WeChat and Alipay accounts urgently, but only reported the loss of her mobile phone number. As a result, all the money in the account was taken away, and the loan was also taken away. This is the serious consequence of carelessness in safety.
For example, Alipay, if you get both the mobile phone number and the ID number, the risk will become greater.
in order to make up for this possible loophole, a new key should be added as protection, that is, security protection.
For example, every time you change your login password and payment password, you not only need to verify the SMS and ID number, but also have to answer the security protection question, which is much better.
A liar may get a mobile phone and an ID number, but it is difficult to guess the problem at the same time. Their means will be greatly limited.
in addition, for AliPay, you can apply for account insurance. If it is withdrawn maliciously, it can be settled by the insurance company. If this protection is added, the security will be better.
in this respect, AliPay's security should be more abundant. But in fact, it depends on how much people pay attention to the security of their accounts.
Again, people may be the biggest loophole. There is nothing wrong with being vigilant and cautious at any time.
In fact, this question is very simple. It is safe to put it on Alipay or WeChat, but if we have to make a comparison, it must be Alipay. The main reasons are as follows:
First, Alipay can be regarded as the grandparent of WeChat in the financial field, which was earlier than WeChat, and it relies on a series of Ali platforms such as Taobao, Tmall and Alibaba, which are becoming more and more perfect and technically superior to WeChat.
Second, Alipay has a series of wealth management products, such as Yu 'ebao and Yu Libao. If you have so much money in hand, I suggest you consider wealth management. In terms of micro-financing, Alipay is also more convenient and mature. WeChat payment started with WeChat red envelopes, but it was later added in terms of wealth management, and it is not very good.
Third, in the financial field, Alipay's claims mechanism and reputation have always been higher than those of WeChat and Tencent, and its security is higher. Although Tencent is also safe, it still promotes Alipay.
The above is written by following up the understanding of the two platforms, which can be developed and discussed ...
Personally, Alipay is safer
Alipay has a balance treasure, so you can put your money in the balance treasure and get interest every day.
Recently, several news items on the Internet also advertised for Alipay invisibly.
Ms. Huang in Chengdu was robbed of her mobile phone on her way to work, and the passwords of WeChat, QQ and Alipay were modified by criminals, resulting in a loss of more than 5, yuan. Ms. Huang contacted WeChat, Alipay and Bank, and only Alipay was willing to pay compensation. Other platforms all said that this was not a theft and could not be compensated.
it only took Ms. Huang three days to get the compensation according to the compensation procedure.
The victim, Mr. Ruan, didn't have the password and ID information on his mobile phone. After losing his mobile phone, Alipay was transferred to nearly 1, yuan. After calling the police, Alipay quickly made a claim according to the compensation procedure.
It can be seen that it is safe to put money in Alipay, at least safer than the bank WeChat. I put my money in the balance treasure now, and I trust Mr. Ma Yun very much.
as for the bank, can you believe it?
wechat, at best, will look on coldly
so it's still Mr. Ma Yun who thinks of us, at least he respects us.
support Mr ma yun and AliPay.
To be honest, the security of WeChat is much worse than that of Alipay. Why? I can tell you, let me talk about my personal feelings.
personally, wechat is frequently blocked, and as long as one micro signal is sent, it will take at least one week or even longer. And the money in it can't be used for personal use because the number is blocked, even if it can, it is very troublesome. There is also no compensation for the money lost on WeChat because the mobile phone was robbed and stolen, but in Alipay, if this happens, as long as you buy two yuan of capital security insurance, it will be paid in full. Therefore, Alipay is more secure than WeChat.
It is said that Alipay is a professional payment tool, while WeChat is a social software, and their security performance is different because of their fields. Therefore, it is recommended to deposit 1, people in Alipay, which is safe and reliable after all.