关键词: 支付宝, 年度账单, 采集模型, 个人数据, 完善对策

Abstract: With the development and application of big data technology and artificial intelligence technology, the autonomy of enterprises is constantly increasing, and the degree of acquisition and analysis of their user data is gradually deepening. In this environment, personal data is at risk of being leaked, stolen, and abused at any time. On the basis of expounding the concept of personal data, combined with Alipays annual billing event, the current situation of personal data being overcollected and personal data leakage incidents were extracted, and the Alipay data collection model was analyzed. According to the deficiencies in the collection rules of Alipay data collection model, the data is overdisclosed, the data storage cycle and the storage volume are not clear and so on, from the security technology development of Alipay platform, the security awareness of these developers, and the data security supervision mechanism within the platform, Domestic relevant laws and regulations and personal data security awareness and other aspects of the model to improve the countermeasures and data collection recommendations, so as to improve the security of personal data for users to provide protection.

Key words: Alipay, annual bill, acquisition model, personal data, improvement countermeasures