A few days ago, Shanghai Kuaiqian Information Service Co., Ltd. launched 99Bill, China's first online payment and payment system based on mobile phone text messages and email, which has attracted widespread attention in the e-commerce industry. Among them, security is the most concerning issue. To this end, the reporter interviewed Guan Guoguang, CEO of the company.
Reporter: What kind of company is "Quick Money"?
Guan Guoguang: Shanghai Kuaiqian Information Service Co., Ltd. is an Internet service company that provides a collection and payment platform for online transactions (www.99bill.com). It is the first in China to provide an online payment and payment platform based on email and mobile phone numbers.
We have launched a series of services under the 99Bill brand, including online payment, online settlement, quick money guarantee and other functions, which greatly facilitate users' collection and payment after online transactions. "Quick Money" is very private. High, both parties do not need to worry about leaking bank card information of both parties when making payments, because buyers and sellers do not have to enter bank card numbers every time during online transactions. Users only need to use their email addresses to conduct transactions.
The company has cooperated with Industrial and Commercial Bank of China, China Construction Bank, China UnionPay, Agricultural Bank of China, Bank of China, China Merchants Bank, Bank of Communications, Hua Xia Bank, China Everbright Bank, CITIC Industrial Bank, Shenzhen Development Bank and Guangdong Development Bank and others have reached strategic cooperation and launched collection and payment services for online transactions. The service covers 640 million bank cards across the country and supports postal remittances and bank remittances.
Reporter: How does Kuaiqian complete online payment?
Guan Guoguang: The online payment business process is basically divided into 7 steps: the customer logs in to the merchant website, selects the product and generates the pre-order information; the customer clicks the 99Bill Quick Money payment button, and the information is encrypted and transmitted to the 99Bill Quick Money payment gateway Platform; merchants provide merchant code, order number, total amount, order notes and other information and pass it to the payment gateway platform to ensure the accuracy of the order information; after customers enter the payment gateway platform page of 99Bill Quick Money, they first enter their email address , and choose which bank card to use for payment. After clicking the OK button, it will be forwarded to the bank's back-end business processing system; the bank's back-end will transmit the information on whether the payment is successful or not to the 99Bill Quick Money Payment Gateway Platform; the 99Bill Quick Money Payment Gateway Platform will According to the URL submitted by the merchant, the payment result page is returned to the merchant; the merchant then displays the user's payment result to the user.
Reporter: When talking about online transactions, the first thing people think of is security issues. The collection and payment service provided by Kuaiqian is also an online transaction to a certain extent. Is it safe?
Guan Guoguang: Although Taobao has Alipay and eBay also has Anpay, the transaction cycle is long, there are many intermediate links, and it is only suitable for auctions. So, is there an online payment method that is simpler, easier to use, and more secure? The answer is "Quick Money Insurance".
The essence of the operation of "Quaiqianbao" is a value-added service that uses 99Bill Kuaiqian as a credit intermediary to temporarily store the payment for the buyer and seller before the buyer confirms receipt of the goods or during the inspection period. Using Kuaiqianbao can effectively reduce the credit risk in transactions.
The advantage of "Quick Money Insurance" to buyers is that if they are not satisfied with the goods, they can request a return and get their money back completely after the return, so the safety of shopping is guaranteed.
Reporter: How does Shanghai Kuaiqian protect users’ information security?
Guan Guoguang: Oracle Corporation, Verisign Digital Security Company and ScanAlert Network Security Company in the United States provide comprehensive security services for Kuaiqian to ensure the stability and security of the system.
The 99Bill Quick Money Platform system performs 128-bit Verisigh SSL encryption on all user information, account information, encryption, signatures, etc. SSL is an international standard encryption and identity authentication communication protocol. The browser you are using supports this protocol. The SSL protocol uses the client certificates of both communicating parties and the CA root certificate to allow client/server applications to communicate in a way that cannot be eavesdropped, establishing a secure and trustworthy communication channel between the communicating parties. It has the following basic characteristics: information confidentiality, information integrity, and mutual authentication. When a lock image appears in your address bar, it means that all the information you are filling in is under 128-bit encryption protection and cannot be monitored by others from the network through any means.
ScanAlert network security company provides 99Bill Quick Money with a 24-hour network security scanning service, which fundamentally eliminates any malicious behavior that endangers users’ network security.
Reporter: So, even if the user’s information is safe, are the user’s funds safe?
Guan Guoguang: 99Bill Kuaiqian has passed four types of identity verification authentication: mobile phone number, address, bank card and ID card, ensuring the reliability of users’ information when making online transactions, and greatly increasing the number of users. User’s credit guarantee.
99Bill Kuaiqian cooperates with major banks to realize the online payment process directly connected to the bank, and all communications are digitally authenticated without any third-party connection, and the user's payment funds are safely stored in the bank and kept confidential. within the account.
Any settlement operation of non-certified or insufficient credit users will undergo a strict manual review process to ensure the safety and reliability of user payment funds.
For online payment with foreign cards, 99Bill Quick Money adopts advanced 3D security and serious services, supporting international real-time cardholder authentication services such as VerifiedbyVisa, MasterCardSercuredCode and JCBJ/Secure to ensure the lowest international credit rejection. payment amount.