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WhatsApp被曝向第三方分享用户财务数据

就在扎克伯格被美国国会弄的焦头烂额之际,Facebook的“后院”似乎又起火了。这一次,是他们在2014年以近200亿美元收购的WhatsApp。

最近,WhatsApp“偷偷”更新了他们的隐私政策,这一举动的结果,很可能对用户的个人财务数据带来巨大影响。

根据WhatsApp更新的隐私政策显示,用户财务数据有可能会被分享给第三方:

“我们会与第三方提供商和服务商分享信息,以帮助我们运营并改善支付服务。我们会向第三方发送付款指示,维护您的交易记录,提供客户支持并确保我们的服务安全,包括监测、预防或以其他方式处理欺诈、安全、稳定、滥用或其他不当行为。我们会根据此支付隐私政策,向包括Facebook在内的第三方服务提供商共享我们收集的信息。”

不仅如此,WhatsAPP还做了进一步补充,告知用户哪些信息会被共享:

“为了向您提供支付服务,我们会向第三方服务提供商共享信息,包括您的手机号码、注册信息、设备标识码、VPA、付款人的统一支付接口PIN码和支付金额。”

如果看到最近全球范围内对Facebook如潮水版的批评,那么WhatsApp本次更新数据共享政策似乎又一个“新证据”了。

如果再次发生任何进一步的数据泄露,那么Facebook的负面影响无疑将会进一步加深。

According to WhatsApp Pay’s payment policy, the payment app shares user information with third parties such as Facebook.

While Facebook CEO Mark Zuckerberg prepares to testify in front of the US Congress because of the Cambridge Analytica scandal regarding misuse of user data, Whatsapp Pay’s declaration in its payment policy about sharing user information with Facebook is causing waves of concern.

WhatsApp was acquired by Facebook in 2014. India’s number one message service recently launched the payment service WhatsApp Pay, with the help of which users can transfer money to a Virtual Payment Address (VPA). The VPA is linked to a bank, much like an e-mail id. The transactions are facilitated by Payments Service Providers (PSPs).

WhatsApp Pay is compatible with the Unified Payments Interface (UPI). While the beta version of the app has been received favorably with few doubts, Facebook’s involvement in the Cambridge Analytica scandal has seen WhatsApp keeping a distance. Facebook has been embroiled in scandal since millions of its user data became available to the data analytics firm Cambridge Analytica, which was then used to influence polls in several instances.

Now, in order to conduct these transactions, user data will be collected by WhatsApp, and the information will be specific to the transaction, such as the date and time, both parties’ VPAs, and the transaction amount. And this is the information that the app’s payment policy says will be shared with third-party service providers like Facebook.

Here is what the policy says, “We share information with third-party providers and services to help us operate and improve Payments. To send payment instructions to PSPs, maintain your transaction history, provide customer support, and keep our services safe and secure, including to detect, prevent, or otherwise address fraud, safety, security, abuse, or other misconduct, we share information we collect under this Payments Privacy Policy with third-party service providers including Facebook. To provide Payments to you, we share information with third-party services including PSPs, such as your mobile phone number, registration information, device identifiers, VPAs, the sender’s UPI PIN, and payment amount”.

Meanwhile, in a circular issued by the National Payments Corporation of India (NPCI), the umbrella organization overseeing the Unified Payments Interface (UPI), any bank that is connected to third-party payment apps, like WhatsApp Pay or PhonePe, must have permission from the NPCI for sharing user data.

“PSP bank shall ensure that third-party app provider shall require an exclusive permission from NPCI & PSP bank for sharing individual UPI transaction data with any other third party including its own parent, subsidiaries and subsidiaries of parents other than entities such as Indian government/Indian intelligence/Indian law enforcement agencies/Indian regulatory bodies,” livemint quoted from the circular.

WhatsApp has maintained in the past that users’ one-to-one communication in the chats are encrypted and remain private, however, data regarding whom users message and the frequency of messages can be extracted.

The media has been trying to find out exactly what information WhatsApp Pay will be sharing with Facebook, but so far it is unclear. However, after the knowledge that user data from Facebook was used to influence elections, what could information about whom we pay, how much we pay, how frequently we spend, and what we spend on, be used for?


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