What measures does Alipay take to protect account security?

Alipay is becoming more and more popular, so what measures does Alipay take to protect account security? The following are the measures I collected and compiled for Alipay to protect account security. I hope it will be helpful to everyone~~ Alipay Protection Account security measures

The first layer of protection: digital certificate. After the user applies for a digital certificate, payment can only be made on the computer with the digital certificate installed. To perform payment operations on other computers, you need to re-verify your phone to install a new digital certificate. Personally, I think this effect is equivalent to a mobile phone SMS verification code, eliminating the trouble of sending a verification code every time you make a payment.

The second layer of protection: mobile phone treasure. This is an app installed on your phone that is used to dynamically generate security passwords. As long as your mobile phone has power, it can be used independently regardless of whether there is signal or network. Equivalent to a bank's electronic cipher.

The third layer of protection: SMS verification. When using balance and quick payment on a computer, the website will send a verification code to the bound mobile phone to verify whether the payment is for me. Note: The official has stated that this service will be charged starting from January 1, 2014.

The fourth layer of protection: payment shield. This is something similar to a USB shield launched by Taobao, only the size of a USB flash drive. When using it, you need to insert the payment shield to make payments, confirm receipt, withdraw cash and other operations involving amount of expenditure. Note: The payment shield itself requires a one-time purchase

The fifth layer of protection: Bao Ling. This function is the same as the second-level mobile phone Baoling, except that Alibaba made it physical. Note: This also needs to be purchased