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漂流瓶终于彻底拜拜 微信7.0.4新版体验
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借贷宝:停止催收百名裸条女大学生 未满23岁将不得借贷
京东白条多地频现盗刷 消费者遭催收公司“逼债”
借款野蛮催收行为将被规范 真是几家欢喜几家愁
为规范网贷催收 上海互金协会发行业倡议书
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支付宝回应拼多多“涉洗钱”:可疑信息已第一时间同步拼多多

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编辑: 1   作者: cnbeta   时间: 2019/05/29 18:47/00  

因“假货”问题还在被部分公众吐槽的拼多多,最近又惹上了“涉嫌洗钱”的新麻烦。5月26日,自媒体“差评”发布《拼多多店铺沦为博彩网站洗钱平台,单店日洗钱50万!》的文章,内容直指拼多多涉嫌博彩洗钱类违法交易。而拼多多回应称此为彻头彻尾的虚假不实文章,对拼多多公司造成极大商誉损失,将对“差评”发起法律诉讼,索赔1000万元人民币。

在反驳“差评”文章的同时,拼多多也将风控不严格的矛头指向了作为支付平台的支付宝和微信支付。(具体可参看搜狐科技此前文章《力证未“洗白”博彩网站 拼多多“抛出”支付宝与微信支付》。)拼多多风控负责人表示:涉嫌博彩洗钱类违法交易主要希望突破的是支付通道,并混迹于电商平台的正常交易之中。这对于拼多多这样的电商平台而言,难点是如何“将其从正常电商交易中进行剥离甄别,主要甄别依据来自于支付机构的风控数据”

但从支付宝和微信支付对搜狐科技的官方回应来看,在出现疑似“洗钱”交易时,两家公司都会将异常的交易信息反馈给拼多多,以供其判断是否拦截。

支付宝方面表示,支付宝对网络赌博一向采取零容忍的态度,拒绝与任何涉赌商户合作,并不断引入新技术加强打击力度。一旦核实商户涉赌,支付宝将采取清退、拉黑、报警等措施。随着打击力度的持续加大,一些赌博商户发现无法直接接入支付渠道后,尝试通过其他平台进行“洗白”。具体做法是,不法商户用虚假资料在其他平台开设店铺,通过虚拟商品来完成赌资交易。

支付宝相关安全专家在接受搜狐科技的独家采访时表示,支付宝的风控分为两个类型,一种是面对全量交易的风控,而对于拼多多这样的平台客户来说,还有专门的安全服务产品RiskGo风控体系为其提供支持。但支付宝只能通过交易特征判断交易是否涉嫌违规,平台上店铺商家信息(如售卖的具体商品、过往交易等),支付宝“接触不到”。同时,在识别出疑似“洗白”的商户后,支付宝已经在第一时间将识别到的风险交易同步给了拼多多。

而微信支付的回应则是,微信支付利用大数据风控能力,对支付交易已建立常态化的离线及实时监控体系,每日都会对风控认为可疑交易的订单做交易拦截。自2018年10月起,离线将可疑交易标签输送给拼多多协同封禁;同时,今年5月份起,已针对高度可疑的用户及订单实时拦截,上线以来,日均拦截余万次未支付订单。通过风控策略打击,目前此类交易已显著下降。

实际上,作为电商平台,拼多多与商家有直接的接触,也更有机会辨别商家的行为是否合法合规,识别商户资料以及商品的真实性也是电商平台的基本责任。那么,在两大支付机构都称已经将可疑交易数据反馈给拼多多的情况下,如何补足风控短板,或许是拼多多目前更值得思考的问题。

文 | 搜狐科技 尹莉娜

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