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The day before, the people's Bank of China issued "the people's Bank of China on Issuing the barcode payment service specification (Trial) Notice" (hereinafter referred to as the "notice"), issued a "supporting barcode payment security technical specification (Trial)" and "barcode payment acceptance terminal specification (Trial Implementation)", since April 1, 2018.
You may not be a stranger to barcode payment. What changes will happen to the way the person is well aware of the payment?
What is the barcode payment?
Bar code, including our commonly used two-dimensional code, is a graphic carrier that can be completely exposed. It is usually displayed on various media, including printed materials or webpage interfaces. It has more advantages than ordinary bar code, such as large amount of data storage, strong error correction ability, and more agile response.
In China, with the popularity of smart phones in recent years, the bar code represented by two-dimensional code is developing into a new way of carrying and transforming data. After being used by a banking financial institution or a non bank payment institution, a new payment mode is explored, which extends the business from online to offline payment. The so-called bar code payment refers to the two ways that bank or payment institution applies bar code technology to achieve monetary fund transfer between payee and payer, including payment scanning and payment scanning.
Go out for a taxi, take out a cell phone, sweep the two-dimensional code on the car, easily pay the fare, eat at a restaurant, the two-dimensional code on the phone is swept away by the cashier, and immediately go away. The scavenging means of payment have gone into the homes of the ordinary people.
Barcode pays the people, but there's a lot of problems
In recent years, the bar code payment business has been developing rapidly. In the field of small and convenient payment, it has shown the advantages of low threshold and convenient use, and the market share continues to grow. It has become an important form of the development of mobile payment. At the same time, bar code payment technology implementation and business risk are relatively special than traditional bank card payment. Some market organizations also have problems such as disrupting fair competition order and risk prevention.
The payment institution should obtain corresponding qualifications
In terms of business norms, bank financial institutions and non bank payment institutions carry out bar code payment business involving interbank transactions. They must be handled through PBC liquidation system or legal clearing institution. Payment institutions should also meet corresponding business qualification requirements.
Notification requirements, non bank payment institutions (hereinafter referred to as payment institutions) to provide customers with barcode payment service based on the network, shall obtain payment business license; Payment institutions entities merchants and online merchants provide barcode payment acquiring services, shall be respectively to obtain bank card acquiring business license and online payment business license.
Bank financial institutions (hereinafter referred to as banks) or payment institutions carry out bar code payment business, involving interbank transactions, they should be handled through PBC interbank liquidation system or legitimate quality clearing institutions. From the date of issuance of the notice, banks and Payment institutions shall not add new bar code payment services directly to different legal entities, and stock businesses should be transferred to legitimate clearing institutions in accordance with the relevant provisions of the people's Bank of China.
Grading management of bar code payment
For consumers to provide bar code payment and payment services, we should base on the small and convenient market positioning, according to the level of risk prevention ability, we should manage the bar code payment amount in different levels, and achieve an effective balance in risk prevention and payment convenience.
To provide barcode payment service for special merchants, we should carry out relevant requirements of bank card receipts business management, effectively fulfill the responsibility of receiving entities, such as business management and transaction risk monitoring, and strengthen the management of outsourcing outsourcing institutions.
Strengthening the technical risk prevention and control of barcode payment
In the technical specification, the banking financial institutions, non bank institutions and clearing organizations to strengthen the barcode payment technology risk prevention and control, rational use of payment, marking a trusted execution environment, barcode recognition method, enhance the barcode payment client software security protection capability, standard barcode payment transaction message management, guarantee the authenticity of the trading information integrity, consistency and traceability, to construct the receiving terminal registration, big data analysis based on barcode payment innovation risk management mechanism.
We must strengthen the implementation of the standard floor, enhance the quality and safety management of bar code payment, improve the conformity and safety of the technical standards of the bar code payment products, and effectively protect the property rights and legitimate rights and interests of financial consumers.
WeChat wallet scanning static bar code payment
The upper limit of one day payment is not more than 500 yuan
Because the static barcode (such as prior attached to the two-dimensional code on the wall) are easy to be changed or altered, easy to carry a Trojan or virus, the provisions of the central bank, the use of static barcode payment, risk prevention capacity is D, no matter what kind of transaction verification method is used, the same customer bank payment institutions or single day cumulative transaction amount should not exceed 500 yuan. For example, when consumers use WeChat wallet to scan static barcode payment, the maximum amount of daily use of zero wallet payment is no more than 500 yuan, while WeChat related all bank cards can also get an independent payment limit of 500 yuan.
For dynamic bar code (such as real-time barcode generated on mobile phones), the risk prevention ability is divided into A, B and C three levels according to the way of transaction verification. The cumulative daily trading limit of the same customer is separately agreed, 5000 yuan, 1000 yuan.
Experts: consumers are not affected by street vendors to sweep static barcode small payments
The barcode payment specification has been implemented since April 1, 2018. Chinese people are big