Shao Zhiqing, deputy to the National People's Congress, suggested that what functions of SMS verification code should be appropriately restricted?

Shao Zhiqing, deputy to the National People's Congress, suggested that some functions of SMS verification code should be appropriately restricted. 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.

He also suggested that on the basis of SMS verification code, more authentication means can be superimposed. If you forget or don't know the login password of the payment platform, you can't just log in by SMS verification code, but you should superimpose technologies such as "face recognition" or "private question verification" to ensure that the login operator is the card owner himself.

The same rules should be set for the login of social security card and provident fund account. It is necessary to strengthen monitoring of large-scale consumption, transfer and online lending. Shao Zhiqing suggested that the system can set a general limit warning line for the card owner's consumption, transfer and online loan behavior, and modify the consumption, transfer and online loan behavior with a limit or limit exceeding the warning line. On the basis of "password+SMS verification code", the technology of "face recognition" or "private question verification" should be superimposed.

Extended data:

Legal Risks of Mobile Payment

There are various technical risks and legal risks in the emerging payment forms. The formulation of any law is a long and rigorous process, but the formulation of policies must conform to the development requirements of the times in time. At present, China's mobile payment related laws and regulations are constantly improving, but the pace is slightly backward. Only when many new things appear can problems be found in application and regulated by legislation.

The same is true for mobile payments. Because of its long industrial chain, involving many industries, the relevant standards and norms of each industry have their own emphasis, and even duplication and conflict may occur.

The disunity of standards and specifications will easily lead to the adoption of different industry standards by members of the mobile industry chain, which will lead to payment loopholes and hidden dangers, and then breed mobile payment risks. Therefore, we should also consider whether to take control measures appropriate to the risk level.

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

Baidu encyclopedia-mobile payment