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随着第三方支付在互联网上的广泛应用，越来越多的网民获得了工作和生活的便利。不过，近年来“黄赌毒”在互联网上抬头，致使第三方支付平台背上了“黑锅”，被一些言论“妖魔化”。易宝支付CEO唐彬昨天在接受专访时表示，公司设置了风控部门，协助主管部门联手打击“黄赌毒”，去年共处理了涉嫌不法行为的商户上百家。作为天朝最早的第三方支付公司之一，目前易宝支付签约的合作商户包括搜狐、九城、盛大、迅雷、深圳航空、海南航空和天朝联通等企业。
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# M/ b. `( r& {6 Z. J对付“黄赌毒”要加强定期监管7 k$ S; u. v6 q8 z
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[color=red]记者：最近有媒体报道称，部分第三方支付公司涉及网络赌球，易宝支付对此有何评论？8 i$ Q: h$ d+ }9 T
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唐彬：近年来，部分不法商户利用支付平台从事“黄赌毒”等违法犯罪活动。针对这种情况，易宝支付设置了专门的风控部门，一直积极配合公安机关开展调查取证和协助侦破工作。同时，我们还不定期地对商户资质和经营内容进行严格检查，对经营不良内容的商户采取关停措施。[/color]# s# b& f7 W( h3 ?9 z
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[color=blue]记者：就第三方支付公司而言，如何才能避免不法商户利用支付平台从事“黄赌毒”？: J) {. `$ C }3 Y/ S
1 B- y& n Y) L u* S: V J6 X1 w唐彬：加强自查、做好协查。在去年一年的时间里，我们通过严格的自查和主管部门的协查，关停了涉嫌商户上百家。对于那些初期合法但后期转向非法经营的商户，第三方支付公司更要加强日常的定期监控，因为这种商户的隐蔽性强、转移性强、欺骗性强。5 m9 v: _8 x: s. ~ `) T' B; N9 @
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9 ^4 w& V3 F" K升级防“钓鱼”系统保证支付安全
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记者：对于网上支付，普通用户最关心的是安全问题。第三方支付公司如何防范“钓鱼”等风险？6 s7 c$ Q6 }% C5 y7 O6 K0 Z
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唐彬：在“钓鱼”骗术中，众多第三方支付平台常常无辜地被不法分子利用。通过对交易的有效监控，第三方支付公司可以极大地提升交易安全，降低消费者被骗的几率，并协助追回损失。我们全新升级了防“钓鱼”系统。当这个系统侦查到可疑交易时，将向用户提示“防骗警示”的相关页面，提醒网络买家存在的风险，提醒用户在不确定的情况下，可以采用“冻结款项”的办法。同时，该系统还提示用户咨询我们的客服人员。6 a3 O) }6 T/ m% L0 @# J' \
& C( K0 Y: A& ^& c% d记者：通过第三方平台支付时，有时会出现“掉单”的情况，即银行卡已扣款但付款不成功，这很影响用户体验。易宝支付如何处理“掉单”？
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% a6 F0 I% h7 K! R唐彬：产生这种情况的原因可能是网络中断或者系统临时故障，属于小概率事件。易宝支付采取两种方式解决这个问题，一种是系统自动补单，一般几分钟内即可搞定；另一种是人工补单，每小时进行一次，主要是处理极少数自动补单失败的订单。 |
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