Fast payment As long as the credit card is bound to open fast payment, you only need to enter the payment password of Alipay to buy things, and you don't need to use online banking such as U shield. Shopping is more convenient, but the safety is still debatable.

The key to the security of fast payment lies in the mobile phone. Only by ensuring the absolute security of mobile phones, especially the security of short messages, can the security of fast payment be guaranteed. If someone knows the user's Alipay or Tenpay account and grasps the user's mobile phone, it means that the funds bound to the bank card in the user's account will be easily stolen, even if the user modifies the password of the bank card.

If the user's mobile phone is stolen, others can see this "dynamic token" on the mobile phone. Therefore, if the user's mobile phone is stolen, he should go online to modify the dynamic token in time and call the mobile operator to report the loss of the SIM card.