Then, let's discuss below, which bank card is bound by WeChat and Alipay, and the security factor is higher?
In fact, both Tencent and Alibaba have strong technical teams, and trying to hack into Alipay and WeChat systems to steal users' money is basically a small probability event.
You know, Alibaba's security department is known as the Pentagon level. If hackers dare to attack Alipay rashly, once they are tracked by its security department, they may be jailed, and the cost is not high.
The amount of Alipay or WeChat account is stolen, which usually happens at the client.
1 For example, on September 5, 20 17, Ms. Tang from Chongqing clicked the link after receiving the text message, prompting that a strange program was installed. Ms. Tang installed it without much thought. As a result, one day later, the Alipay account was stolen by purchasing the service of Apple Store150,000.
2. After the user's mobile phone is stolen, if the bank card and mobile phone number are not reported in time, it is very likely that the amount of Alipay and WeChat accounts will be stolen, because the other party only needs to click the forgotten password and reset the password, and all the amounts in the account, including the bound bank card, can be transferred away.
In this respect, Alipay and WeChat are the same. Therefore, once the mobile phone is lost, you must report the loss of the mobile phone number as soon as possible, freeze the bank card, and call Alipay or WeChat customer service, so as to ensure that the account amount will not be stolen.
In general, WeChat is a social function, and Alipay is the real wallet. Once the WeChat account is seized, the account balance is also very dangerous. In addition, Alipay also has account insurance. Therefore, users prefer Alipay with large funds and WeChat red envelopes with small change.
Security level order: Bank > Alipay > WeChat.
There is no doubt about the security level of banks. Let's talk about Alipay and WeChat.
1. Alipay is a special payment and financial platform. The security level of managing large amounts of funds is relatively high, and Alipay pays stolen. There are many wealth management products in Alipay, so it is convenient to speculate in gold, buy funds, buy time deposits or put them directly in Yu 'ebao to earn income.
2. WeChat as a social platform, red envelopes are essential, so it is essential to put some money in WeChat. As for the storage of large amounts of funds, you can also consider putting them in WeChat change or change pass. Although WeChat does not focus on finance, its technology can also ensure the safety of funds.
Alipay and WeChat compete and promote each other in the payment field, and neither party is allowed to have too much variance comparison, otherwise it will be a dead end. So don't worry, you have a choice.
Pony said the coupon answered your question.
The two platforms you mentioned belong to P2P platforms, and their properties are basically the same. If we want to compare, we can only see whether Ali is in danger of bankruptcy or Tencent is in danger of bankruptcy.
From the security point of view, the safest thing is to deposit in the bank or turn it into national debt, because there is a national guarantee. If there is a problem with the private enterprise platform, the state will not compensate.
Now P2P requires funds to be deposited, which greatly improves the security, because the deposited funds and enterprise assets are separated and are not included in the liquidation assets.
However, for security reasons, it is recommended to invest in formal national financial institutions, with online financial platforms, which are strictly regulated by the state, such as banks, brokers and insurance.
As a financial worker, I told the subject that it is safe to put it on Alipay or WeChat. There is no question of who is safer than who.
At present, Tencent, Ali and Baidu have relatively strong technical strength. Alibaba and Tencent, as two Internet companies with equal technical strength in China, not only have strong internal control technology to support security, but also have strong technical teams. Any attempt by hackers and Trojans to invade Alipay and WeChat systems is almost zero. Even if this kind of case may happen occasionally, it will not harm the whole, and it will be repaired soon and the loopholes will be filled.
And these two Internet companies also have strong financial strength. Even if there is a small probability that funds are stolen, they will recover or settle claims for customers in time without worrying about the loss of funds.
Personally, I prefer Alipay. I have read many cases on the Internet, and I have to pay compensation for the theft of Alipay. (And there is account security insurance. It seems that money in 2 yuan is not expensive. ) wechat is hard to say.
This is the income from my previous balance treasure. Now give the money to the daughter-in-law for safekeeping. It is said that the income of Yu 'ebao has become lower.
Personally, I think Alipay or WeChat are very safe at present, which is basically the same as your deposit in the bank. Just don't reveal the payment password. If your mobile phone is lost, you need to apply for loss reporting on Alipay or WeChat as soon as possible. Basically, there is no need to worry about the safety of funds. Alipay and WeChat both have interest, which is a little more flexible than banks. Personally, I only put a little money on Alipay's WeChat to make a red envelope.
Gu believes that if it is considered from the perspective of safety, it is almost the same.
Both Ali and Tencent have more than 20,000 top Internet employees, with $5 billion in cash flow and a bunch of younger brothers from Internet companies behind them. Soldier than Ma Zhuang.
If there is a major security hole in their company, it is almost a problem that need not be worried at all.
Of course, no matter how perfect the software is, the biggest loophole may still be people.
Just like all kinds of popular telephone and online scams, the scam is not clever and full of loopholes, but it can still succeed. Therefore, it is most important for people to do the necessary safety protection.
I remember a news two days ago that a lady lost her mobile phone, and then foolishly did not freeze the WeChat and Alipay accounts urgently, but only reported the loss of her mobile phone number. As a result, all the money in the account was taken away and the loan was taken away. This is a serious consequence of carelessness in safety.
For example, Alipay, if you get the mobile phone number and ID number at the same time, the risk will become greater.
In order to make up this possible loophole, a new key should be added as protection, that is, security protection.
For example, every time you modify the login password and payment password, you should not only verify the SMS and ID number, but also answer security questions, which is much better.
A liar may get a mobile phone and an ID number, but it is difficult to guess the problem at the same time. Their means will be greatly limited.
In addition, for Alipay, you can apply for account insurance. If it is a malicious withdrawal, it can be settled by the insurance company. If this protection is added, the security will be better.
In this respect, Alipay should be more secure. But in fact, it depends on the importance people attach to the security of their accounts.
Again, people may be the biggest loophole, and there is nothing wrong with being vigilant and cautious at any time.
In fact, this question is very simple. It is safe to put it on Alipay or WeChat, but if you have to compare it, it must be Alipay. The main reasons are as follows:
First, Alipay can be regarded as the ancestor of WeChat in the financial field. It did it earlier than WeChat, relying on a series of Ali platforms such as Taobao, Tmall and Alibaba to improve day by day, and it is technically higher than WeChat.
Second, Alipay has a series of wealth management products, such as Yu 'ebao and Yu Bao Li. If you have so much money in hand, I suggest you consider financial management. Alipay is also more convenient and mature in microfinance. Wechat payment started with the WeChat red envelope, and later it was added in financial management, which was not very good.
Third, in the financial field, Alipay's claims mechanism and word-of-mouth have always been higher than WeChat and Tencent, and its security is higher. Although Tencent is also very safe, it still promotes Alipay.
The above is purely a follow-up understanding of the two platforms, which can be developed and discussed. ...
Personally, I think Alipay is safer.
Alipay has a balance treasure, so you can put your money in the balance treasure and earn interest every day.
Recently, several news items on the Internet also advertised Alipay invisibly.
Ms. Huang in Chengdu was robbed of her mobile phone on her way to work, and the passwords of WeChat, QQ and Alipay were modified by criminals, resulting in a loss of more than 50,000 yuan. Ms. Huang contacted WeChat, Alipay and Bank. Only AliPay is willing to pay compensation. Other platforms say that this is not theft and cannot be compensated.
According to the compensation procedure, it only took Ms. Huang three days to get the compensation.
The victim, Mr. Ruan, has no password and ID information on his mobile phone. After the mobile phone was lost, Alipay was transferred to RMB 654.38+10,000. After the alarm, Alipay quickly made a claim according to the compensation procedure.
It can be seen that money is safe in Alipay, at least safer than bank WeChat. I put all my money in Yu 'ebao now, and I trust Mr. Ma Yun very much.
As for the bank, do you believe it?
Wechat, at best, looks on coldly.
Therefore, Mr. Ma Yun still thinks of us, at least he respects us.
Support Mr. Ma Yun and Alipay.
To be honest, the security of WeChat is much worse than that of Alipay. Why? I can tell you, let me talk about my personal feelings.
Personally, wechat is often blocked, as long as there is a micro signal, at least for a week or even longer. And the money inside is blocked because of the number, so it can't be used for personal use. Even if it can, it is very troublesome. There is also no compensation for the money lost on WeChat because the mobile phone was robbed and stolen. In Alipay, if this happens, it is safe to buy a two-dollar fund.
Insurance pays in full. Therefore, Alipay is safer than WeChat.
It is said that Alipay is a professional payment tool, and WeChat is a social software. The fields of the two determine the different security performance. Therefore, it is recommended to put 654.38+ ten thousand people in Alipay, which is safe and reliable after all.