August Postal Bank to restart the national two-dimensional code payment

At the beginning of the year the Central bank suspended the two-dimensional code payments took the lead in banking restart. On August 4, South China News from the Postal Reserve Bank of Guangdong Branch, began in August, the postal Reserve Bank will officially launch a two-dimensional code payment services.

Li Chuoyi, deputy general manager of the electronic Banking Department of Guangdong branch of the Postal Reserve Bank, said in an interview with reporters in South Sichuan, the two-dimension code payment of postal storage and the biggest difference between the two-dimension code paid by the third party payment is that the two-dimensional payment code is not open but closed, the payment link includes the generation of two-dimensional code, as well as the confirmation and payment of sweep code, Must be passed through a system of postal savings banks. At present, the postal Reserve Bank's two-dimensional code payment has not been large-scale promotion, only the introduction of phone recharge. However, Li Chuoyi revealed that since the beginning of the year and a number of national large-scale online merchants to negotiate, the next two-dimensional code payment will be pushed in a wider range.

August National Test Water

Since August, the postal Reserve Bank has officially started to pay for two-dimensional codes nationwide. Yesterday, South reporters from the postal Reserve Bank of Guangdong Branch exclusive access to the news.

Li Chuoyi reporters to the south, said the current line of two-dimensional code payment has only launched the phone recharge business, sweep code is mainly located in the postal storage Bank of various outlets and part of the leaflet. This year, the controversial two-dimensional code payments, viewed as a closed loop of O 2O (online and offline), have been the focus of contention for distribution. This technology is based on the product page or order information generated two-dimensional code, consumers simply through the phone scan code, can read the product information and generate orders to pay. Without a wallet, no change, no more than 5 seconds to fix. In the two-dimensional code market, the first to start is in the domestic accounting for the third party to pay the largest market share, Tenpay. Since the end of last year, both rely on Alipay purses and micro-letter payments to preempt the O 2O market.

However, March 14 this year, the central bank suddenly issued emergency documents, a paper stopped the bar code (two-dimensional code) payment and other face-to-face payment services. The central bank pointed out that the offline bar code (two-dimensional code) payment broke through the traditional processing terminal business model, the current technology, terminal safety standards are not clear, related payment matching authentication methods of security still exist, there is a certain risk of payment risks. As a result of the former South reporters investigation, although then Alipay and micro-letter payment did not completely suspend the line of two-dimensional code payment, but the relevant promotional work has died down, static policy restart signal. In the meantime, despite the news of the two-dimensional distribution of UnionPay, the UnionPay has denied it in an interview with South reporters. UnionPay said that based on two-dimensional code payment security problem has not been thoroughly resolved, UnionPay in the market so far has not introduced any two-dimensional code payment business applications.

Restart key: Payment closed completion

UnionPay denied the two-dimensional code layout at the same time, this month, the postal reserve in the country to start the first two-dimensional code payment applications. Why did the postal Reserve Bank push the two-dimensional code to pay for why the central bank has not officially restarted the two-dimensional code? Li Chuoyi in an interview with the south, said, although it seems that the two-dimensional code for sweeping code to pay, but the two-dimensional postal code payment and the previous suspension of the third party to pay for the two-dimensional code to pay a very big difference.

The biggest difference, she points out, is that it is closed, and that each link is controlled within the system of the postal store. Among them, the payment link includes the generation of two-dimensional code, as well as the recognition and payment of scanning code, must be through the Postal storage Bank system. This solves the central bank's moratorium on two-dimensional code payments for the biggest security problem.

According to its introduction, the postal storage of two-dimensional code to pay, all the goods of the two-dimensional code production has a postal storage for control, and and Alipay, micro-letter two-dimensional code scanning can scan any two-dimensional code different, and its generated two-dimensional code can sweep different, the two-dimensional postal code is a postal Reserve Bank proprietary, must be through the postal storage of mobile phone clients to effectively sweep code. "All information is held by the bank and the bank controls the entire transaction process." This two-dimensional code only sweeps a commodity information, does not take the customer's account funds information to sweep away, does not appear to be attacked by the outside. This also means that banks are involved in a deeper, more expensive investment. Li Chuoyi points out that all commodity information, transaction information, and financial information are closed-loop within the firewall of the postal storage cell phone bank.

At present, the postal Reserve Bank's two-dimensional code payment has passed the third party security monitoring organization to do the external security attack monitoring, the electronic bank all business key and so on security certificate all passes through China Financial Attestation Center the attestation. Li Chuoyi reporters to the south, in the two-dimensional Code payment application promotion, since the beginning of the year has been in many lines under the business to negotiate, is expected to take the lead and nationwide large-scale online business cooperation.

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Intern Eric Huang

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A number of banks have been quietly laid out

"Although the parties are now unwilling to expose too much action, but the market generally judged that two-dimensional code will restart, secretly layout is normal market behavior." "A senior executive at a third party payment company in Shanghai said to reporters in south China according to the development of two-dimensional code market, two-dimensional code for the layout o 2O is of great significance, from the flow of payment and promotion, far better than the previous market is the introduction of n F C payment, technically also than some agencies are trying to pay the sound waves, Bluetooth payment, fingerprint payment technology more mature.

South reporters observed that in fact, in addition to the earliest layout of third-party payments and postal storage, banks are quietly preparing for two-dimensional code payment. At present, the major mobile Phone Bank a p p has been embedded in the two-dimensional code function. such as ICBC, ABC, CCB, postal storage, Guangdong, Merchants Bank, the people's livelihood show support for two-dimensional code payment function. BOC, Ping also support the two-dimensional code transfer, bank support two-dimensional code withdrawals, but also support listening to a payment function.

For the banking system two-dimensional code payments and Third-party payments are introduced for two-dimensional code payments, Madehui, deputy general manager of the bank's electronic banking department, said that the bank and the electricity merchant's online payment cooperation, the banks are only responsible for the payment, the electricity merchant is responsible for the commodity security, the transaction security; The bank explores the two-dimensional code to pay, starting with the sweep code, to completing the entire payment All links involved in information security, transaction security banks are responsible. "The two-dimensional code that banks try to pay is about the same as more information being managed within the closed system of the bank."

However, for the banking system of two-dimensional code payment applications, a joint-stock Bank Electronic Banking department in the interview with reporters in south, but that because the policy on the two-dimensional code payment is not clear, the current banks have no formal layout.

(Original title: Postal Reserve Bank to rob two-dimensional code payment "transplants" restart)