If the mobile phone is lost, can others steal Alipay's money by modifying the password through SMS verification?

Under normal circumstances, the mobile phone will not be stolen after it is lost, because Alipay is definitely associated with the mobile phone number. I lost my phone card. I must have lost it. Alipay took this situation into account when designing security certification.

First of all, if the mobile phone has a screen lock password, others can't unlock it after getting it, and naturally they can't open Alipay, let alone pay for it. Therefore, you must set a complex screen lock password for your mobile phone at ordinary times, which is the first level to protect property and personal privacy.

Secondly, if you take out the mobile phone card in your mobile phone and plug it into other unfamiliar devices, you can really log in to Alipay corresponding to your mobile phone number through SMS verification code. But the premise is that this mobile phone number itself is bound to Alipay.

For example, my Alipay is not set to log in with a mobile phone number, so even if someone gets my mobile phone card, they can't log in to my Alipay. Therefore, it is best not to set the mobile phone number as the login account of Alipay, because the mobile phone number can be verified and logged in by SMS, which is really unsafe.

In addition, after discovering that the mobile phone is lost, you should go to the operator's business hall to report the loss of the mobile phone number at the first time, so that the lost mobile phone card will be invalid and others will get the invalid card. Similarly, Alipay itself also supports loss reporting. When the mobile phone is lost, you can use the standby device to log in to Alipay, and choose to report the loss in the security options to ensure the safety of the property.

Third, even if the person who gets your mobile phone logs into your Alipay through the mobile phone verification code, you can't pay with Alipay. Because Alipay has a payment password in addition to the login password. Without the payment password, there is basically no way to involve money operations. Even if the "no secret" function is turned on in the account, it will only steal 200 yuan at most and will be detected soon.

It is difficult to modify the payment password. In addition to receiving the verification message, you need to have the ID number of the Alipay account owner. Unless the mobile phone is stolen together with your ID card, there is no way for others to know your ID number. If even this step is cracked, then the possibility of "acquaintances committing crimes" needs to be considered.

All in all, Alipay's security measures are still in place, and ordinary means can't get Alipay's payment password at all, which naturally won't lead to stealing. However, as a user, we should also develop good habits, such as setting a safe screen lock password for mobile phones, and reporting the loss of important accounts such as mobile phone cards, Alipay and WeChat as soon as possible after the mobile phone is lost. Only in this way can we ensure that the property related to mobile phones is foolproof.