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51 credit card investigation triggered "reptile technology" dispute whether it violates personal information?

来源:中国之声 October 24, 2019 10:55 Source: Voice of China

According to the Voice of China report: Recently, the investigation of the "51 Credit Card" incident put Ben in the turbulent field of big data risk control, adding another "fire". Insiders revealed that in the domestic Internet environment where privacy protection is weak and data security is vulnerable, crawler technology is often intertwined with problems such as illegal and abuse of information sources.

According to news from various media sources, the role of the reptiles in this incident was outlined: 51 credit card commissioned outsourcing collection companies to collect debt owed, and in the process of outsourcing companies through soft violence such as intimidation and nuisance, the 51 credit card technical team It is suspected that using crawler technology to help debtors illegally obtain personal information such as the personal address book and address location of the debtor on the Internet.

Some people believe that reptile technology is not guilty, and those who are guilty are those who use reptile technology to make unjust gains. So, how do 51 credit cards respond to external accusations? In the recent hot events in the field of big data risk control, what role does reptile technology play? How to regulate in the future?

Was the reptile technology guilty in the 51 credit card incident?

Recently, many big data risk control companies in Hangzhou, Shenzhen and other places have been exposed by police investigation. Since September this year, the Hangzhou police has received Weibo messages from the higher authorities. Combining with daily work, it has been discovered that the "51 credit card" involves a large amount of abnormal complaint information in various places. survey. 51 credit card company CEO Sun Haitao said in an interview with the media that according to some user complaints, the company has monitored the violent collection of some outsourced companies and imposed fines on third-party outsourced companies, but "the results are very modest" .

"In May, June, and July of this year, we gradually stopped all the outsourcing collection business and converted it into our direct business. The advantage of direct business is that you can follow all the standards you think are more standardized. Strategies and requirements to make the business as compliant as possible. "

51 Credit card companies are still investigating whether there is any violent collection. However, this incident also caused the entire big data risk control industry and the "reptile technology" behind it to arouse widespread public opinion.

The so-called web crawler is a program that automatically grabs Internet information according to certain rules. According to industry insiders, in the big data risk control industry, the use of web crawlers to obtain information and data is most prevalent, while illegal use and buying and selling of data obtained from crawlers are the root cause of a series of problems such as data leakage and privacy leakage. Zhu Wei, deputy director of the Communication Law Research Center of China University of Political Science and Law, said:

"Crawler technology itself is not legal at all. It is purely a means of technology, but if the crawler technology is used to infringe on the personal information of citizens, especially regarding the positioning of your other privacy on the Internet, put it When you put it together and form a piece of personally identifiable information, this technology is the scope of abuse, which involves a scope of crimes against citizens' personal information. "

It is understood that "crawler technology" is mainly divided into two categories, one is public crawlers and the other is authorized crawlers. The former refers to crawling publicly released data information, such as business information of enterprises and public social platform information. ; Authorized crawlers mean that users are required to authorize in advance to crawl the user's personal address book, email address, judicial information, APP usage, and e-commerce platform's privacy data. Authorization is not authorized, you should decide it yourself, and in the context of citizens' life, the prerequisite for the use of many software and platform services is that the user clicks "Confirm" to complete the authorization, which also makes "authorization not authorized" in practice. It may not be up to the user. Zhu Wei said:

"Clicking" I agree "is a necessary channel for collecting information. If I don't click, I don't have authorization, then I will definitely take this information, but if I click, I agree, what information will be used for it? Take it out, how to use it, what is the deadline? Is there any right to give the user the control? This is what we call the scope of necessity in the legitimacy and necessity of legality. "

Big data financial industry faces shuffling, and illegal companies that are accustomed to web crawler technology panic

According to industry insiders, some big data companies still exist outside the "authorized" boundary to crawl data. This information may not be directly placed on the "shelf", but it is often "sold for price" and become a data company. Cisterns in their own backyards, and these big data companies are often linked to P2P financial services, which in turn breeds a gray data business. Financial commentator Ye Tan said:

"After applying the crawler technology, he has sold this data to other companies. It must also be followed by a credit risk control system. The problem of this model is that the risk control system is relatively effective. Everyone at home considers their data more valuable, so although we are actually in the era of big data, we are in a data island, and crawling technology is now being questioned. So where are the boundaries, how to share technology, how To protect privacy and rights, this is an issue that we will focus on next. "

In recent years, many big data companies have suspended their crawler business or started cleaning up their databases. Ye Tan said that the entire big data financial industry is facing a reshuffle. In particular, companies that are accustomed to crawling and using data illegally using web crawler technology are most panic-stricken.

"The big data industry and the reptile industry have been shuffled, and some companies have always been very sad, especially those that used to be in the gray and gray areas. Then what kind of data is available, if not If it can be used, many of our industries can't develop, so we must both develop and protect privacy. Now I suggest that there must be a large boundary, otherwise it is difficult to operate. The industry will have a profound impact. "

On October 22, 51 credit card stocks resumed trading at the Hong Kong Stock Exchange at 1 pm. The company announcement showed that the company clarified that all personal information collected by the Group was authorized by legitimate users, and there was no unauthorized user. Cases of illegal theft of information.

There are media reports that the industry is planning the "Trial Measures for the Protection of Personal Financial Information" and the promulgation of the "Measures" may further clarify the qualifications of credit reporting agencies. Zhu Wei said that the introduction of the "Personal Information Protection Law" in the future reflects the gradual tightening of legislation in the field of personal privacy information protection.

"Specific laws, now the Personal Information Protection Law is also being stepped up. I believe this law will give a clearer explanation of legitimacy, legitimacy and necessity. Can we simply click on a netizen agreement? I agree ', the platform has all the information, and can even handle it arbitrarily. These may be stricter in the future legislation. "

Yang Guang reporter: Li Xingjian

(Responsible editor: Peng Jinmei)