Tenpay Triple Guarantee Guarantees Secure Payment

On October 31, TenPay launched a mobile token token dynamic password recently in order to ensure the security of the account during the online payment process. This will enable mobile phones to protect their accounts and payment transactions in a network-free environment. This is another innovative secure password verification and protection mechanism introduced by TenPay following the SMS verification code and Caifudun.

According to reports, when users use the TenPay account to withdraw funds, in addition to verifying the payment password set by the user, they also need to verify the dynamic password of the mobile token and implement two-factor authentication. Even if the user account is stolen, the thief cannot use the funds in the account without a dynamic password. Compared to the SMS verification code, the mobile phone token dynamic password has the feature that it can be used even if there is no cell phone signal.

According to the person in charge of TenPay, as long as the user downloads the QQ Security Center client, he or she can choose to bind the Tenpay account to the QQ Security Center and use the mobile token dynamic password when using the Tenpay account balance for transactions. protection.

According to reports, the use of dynamic tokens for mobile phone tokens will be more convenient than mobile phone verification codes. After the QQ Security Center mobile client is started, a set of 6 random dynamic passwords is automatically generated every 30 seconds. When the user uses the TenPay account balance to trade, simply enter the static password you set and then enter the random dynamic password to ensure secure transactions. Dynamic passwords are random number combinations that vary according to a specific algorithm. The advantages are that they are easy to use and platform-independent. At present, many banks such as the Bank of China have used personally-defined static passwords + dynamic passwords in online banking applications for verification to ensure the security of their accounts. For users, it also eliminates the need to change passwords frequently and remember complex settings passwords.

"The change in the Tenpay account's funds will be protected by both the personal password and mobile token dynamic password in the 'password verification protection' system. Even if the account is stolen, it will ensure the security of funds in the account," said Tenpay. Coupled with TenPay’s previously announced mobile phone verification codes and Caifudun’s security verification methods, Tenpay already has three major security verification methods. This triple verification method will not overlap, and users can choose to use mobile phones according to their own needs. Token dynamic passwords, SMS verification codes, and Caifu shields are used to implement secure transactions.

According to the 30th Statistical Report on Internet Development in China released by CNNIC, as of the first half of 2012, the number of users using mobile online payment services was 44.4 million, and users using mobile online shopping grew rapidly by 59.7% within half a year. , and the security of mobile payment has followed.

In the mobile payment process, problems such as stolen accounts, password leaks, and password forgetting may be the security issues that the third-party payment industry should pay attention to. As a leading third-party payment company, TenPay has always attached importance to the protection of user account security. In recent years, five security protection systems have been introduced: "cryptographic security controls", "fund change notifications", "intermediary protection transactions", "password verification and protection", and "digital certificates". Multi-dimensional protection of user accounts and financial security in all aspects. The TenPay Tencent QQ Security Center and Tencent QQ Security Center launched the first time mobile token dynamic password to enable real-time user account security in the absence of a network. As a new protection measure in the “Password Verification and Protection” system, the company consolidated and strengthened its financial resources. Futong's security system.