Who suggested that mobile payment should avoid over-reliance on SMS verification code?

Shao Zhiqing, deputy to the National People's Congress, member of the Zhi Gong Dang Central Committee and full-time vice chairman of the Zhi Gong Dang Shanghai Municipal Committee, suggested improving the security of mobile payment and avoiding over-reliance on verification methods such as SMS verification code.

Shao Zhiqing, who is attending the National People's Congress on 20021,said that in recent years, mobile payment has brought convenience to the public, but it also brought certain risks. For example, excessive trust in SMS verification code is a hidden danger worthy of attention.

In our daily life, many financial services, such as password modification, bank card transfer, loan application, etc. Originally, it needs to be handled at the bank counter, but now it can be done by SMS verification code. However, the security level of SMS verification code is relatively low, and criminals may obtain the relevant SMS verification code by stealing mobile phone cards, intercepting short messages, and coercing by force.

Shao Zhiqing suggested limiting some functions of SMS verification code appropriately. For example, when modifying the mobile phone number associated with the bank card, modifying the transaction password of the bank card, and canceling the loss reporting of the bank card, the cardholder must go to the bank counter with the ID card; The cancellation and loss reporting of the mobile phone card must be handled by the card custody to the telecom business hall.

Extended data

The main functions of SMS verification code:

1, as proof of identity

The verification code is a voucher for the merchant to verify the user's identity. Sending verification code by SMS is the most common and safest way to verify the true identity of users. SMS verification code is widely used in user registration, password retrieval, login protection, identity authentication, random password, transaction confirmation and other application scenarios.

2. Improve account security

The use of SMS verification code effectively improves the security of user accounts and is an indispensable part of e-commerce and O2O industry. High-quality SMS verification code plays an irreplaceable role in improving user experience. At the same time, through the mobile phone verification code, merchants will get user information and interact with it more conveniently.

3. Prevent malicious registration

If users who register for a platform no longer need to enter the mobile phone verification code, the merchant platform will be attacked by different spammers every day, the operation and maintenance cost will be greatly increased, and the efficiency of users using the mobile Internet will be greatly reduced. The impact and scale of spam will be unpredictable.

As for the platform, server resources are limited. If someone maliciously logs in or uses software to send spam, it will lead to server paralysis and eventually bring down the platform.

Phoenix Net-Shao Zhiqing, deputy to the National People's Congress: Mobile payment avoids over-reliance on SMS verification code