“支付宝”从电子商务起家,立足第三方支付,探索互联网金融混业经营,是名副其实的“跨界”专家,其与134家金融机构合作,为46万商户提供服务,跨行还款、当面付、余额宝等创新产品无不引人注目,真可谓家喻户晓。然而,随着第三方支付监管职责落锤定音,互联网创新光环逐渐隐退,隐藏在背后的交易资金安全、账户信息安全、风险合规揭示等问题浮出水面。人民银行下发《支付机构网络支付业务管理办法》征求意见稿以来, “Alipay ” started from e-commerce, based on third-party payment, to explore Internet financial mixed operations, is a veritable “cross-border ” experts, with 134 financial institutions to provide services for 460,000 merchants, Models, face to face pay, balance treasure and other innovative products are all eye-catching, it can be said is a household name. However, as the responsibility of third-party payment supervisors was dropped, the Internet innovation aura was gradually receding, hidden behind the safety of transaction funds, the security of account information and the revelation of risk compliance surfaced. Since the People’s Bank of China issued the Exposure Draft for Measures for the Administration of Payment Business Network Payment Services,