Mobile banking is all about electronic self-service deposits without paper certificates. What should I do if the data is cleared by a virus?

With the widespread popularization of the Internet and smartphones, various services have also moved from traditional physical to online, greatly improving the convenience of residents' lives, such as phone bill recharge, utility bill payment, online shopping, as well as online banking, which is increasingly favored by residents.

Now the company pays wages directly to our bank card accounts, which we can use for immediate consumption. Of course, we can also choose to use the excess funds for financial management, such as allocating structured deposits in banks. , such as depositing Yu'e Bao, or buying some fund-type financial products.

We can complete a series of financial management actions very simply and easily just by moving our fingers. However, the security risks are becoming more and more prominent: if the user data of the bank is attacked by hackers, if an abnormality occurs during the system update of a financial management platform, some data will be lost. Then the consequences will be very terrible and serious!

When you go to the bank to make a deposit, you can at least get a certificate of deposit. Even if the information and data are lost, as long as you still have the certificate, the money will not be lost. Even if you sue to court, the probability of winning the case will be It's also huge.

However, there are no paper vouchers for Internet financial management now. How should we prevent this problem from occurring? How can we get better protection for our assets?

(1) Keep electronic transaction certificates. Generally, after purchasing a fund or allocating a time deposit, there will be an electronic voucher after the payment is completed. You can take a screenshot and keep it in your photo album just in case.

(2) Keep records of bill fund fluctuations. Whether it is a bank app, Alipay, or Wealth Management Platform, they all have billing functions to record each of our income and expenses. After configuring financial products, we keep corresponding screenshots of expenses, which can also be used as strong proof after an accident.

(3) Keep records of fund turnover to provide cross-verification. Our funds often flow through different bank cards and financial payment platforms, and we keep corresponding turnover records, which can also be used as supporting evidence.

Summary

The security factor of large institutions such as banks, Alipay, and Wealth Management is very high. User information is strictly encrypted and protected, regardless of risk control capabilities or information. Security protection has its own mature system. After all, the banking industry is already a very mature industry, and these foundations are still in place.

However, it is still necessary to be more vigilant and preventive. After all, it is not easy for us to make money. If something bad happens to us, it will be really tragic. It's absolutely right to keep one thing in mind.