Postal storage prudent test water two-dimensional code payment

Summary: The central bank suspended by the two-dimensional code payment may be reopened. Sources say that this month, the Postal Reserve Bank will officially launch a two-dimensional code to pay. In this regard, the postal Reserve Bank Beijing Branch said its electronic banking department said the business is internal product innovation, inconvenience

A two-dimensional code suspended by the central bank could be paid back. Sources say that this month, the Postal Reserve Bank will officially launch a two-dimensional code to pay. In this regard, the postal Reserve Bank of Beijing Branch said its electronic banking department said the business is "internal product innovation", inconvenient to express any views. It is noteworthy that at present ICBC, ABC, CCB, postal Reserve, Guangdong, CMB, people's livelihood and other major mobile phone bank app has been quietly embedded in the "sweep" function, some banks support two-dimensional code payment, and some support two-dimensional code transfer, and even some support withdrawals, this or for the future of the two-dimensional code payment restart ready.

Postal storage prudent test water two-dimensional code payment

In fact, in mid-March this year the central bank suspended two-dimensional code payments on security grounds, and the central bank said the message was "paused" rather than "halted", and that the suspension was premised on security concerns, in other words, if the payment risk was effectively controlled, then two-dimensional code payments were expected to be rolled back.

Beijing Youth Daily Reporter noted that the postal bank launched a two-dimensional code business in security has done a lot of articles. Li Chuoyi, deputy general manager of the electronic Banking Department of Guangdong branch of the Postal Reserve Bank, said in an interview with the media postal storage of two-dimensional code payment is closed, the payment link includes the generation of two-dimensional code, as well as sweep code recognition, payment, must be through the Postal storage Bank system, "This solves the central bank suspended two-dimensional code to pay the biggest security problem." ”

Even so "safe", the Postal Reserve Bank is very cautious. Li Chuoyi revealed that the current postal Savings Bank's two-dimensional code payment has not been a large-scale promotion, only the introduction of phone recharge, sweep code is mainly located in the postal storage Bank of various outlets and part of the leaflet.

The postal store emphasizes "this two-dimensional code is not the other two-dimensional code"

Previously, with the help of the spring breeze of the mobile internet and the advantages of their respective platforms, Tencent behind the Tenpay and Alipay quickly pushed the two-dimensional code to pay. But the Postal Reserve Bank has repeatedly stressed that the second dimension of related products and the third party to pay to do a lot of different points.

Li Chuoyi to the media that the two-dimensional postal code to pay, the production of all the two-dimensional code of all goods are controlled by the postal store, and 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. Li Chuoyi stressed that all commodity information, transaction information, and financial information are closed-loop within the firewall of the postal storage cell phone bank.

In order to confirm that its two-dimensional code scan is more secure, the bank has even found a Third-party security monitoring agency to do an external security attack monitoring.

Two-dimensional code payment is expected to "revive"

Once the security of the two-dimensional code payment is resolved, the central bank is expected to release the two-dimensional code again. The two biggest internet companies, Tencent and Alipay, have been able to see this in their previous statements. Tencent's previous response to the Beijing Youth newspaper said it had been in close communication with the central bank, and we just needed to get some work done to the central bank. Next, any further information will be kept informed. "We strive to complete the report in the shortest possible time, so that everything is back to normal." "Alipay, PR director Chen Liang said at the time," has been to the central bank for specific business reporting and communication, and will be requested by the Central Bank to submit relevant information, if any progress, will be kept informed. ”

More importantly, the major banks in the two-dimensional code to pay the preparation of work is also in the orderly progress. The central bank's suspension of the two-dimensional code payment has earned a lot of time for the big banks. It has been 5 months since the central bank announced a moratorium in mid-March this year, with banks scrambling to develop related products. At present, ICBC and many other bank mobile phone client app has increased the "sweep" function, some banks also support two-dimensional code transfer, and some banks to support two-dimensional code withdrawals, is a variety of tricks.