The "Edge-edge" ecology of two-dimensional codes

Guide: In fact, two-dimensional code, image and other payment methods is not UnionPay's own biggest problem, UnionPay's biggest problem is "monopoly under the closed."
Recently, the news that UnionPay is in the layout of two-dimensional code to pay. It is reported that UnionPay line of the two-dimensional code payment system has been developed, some areas have been reported to the local people's bank, because the central bank of the two-dimensional code payment has not yet been clear attitude, has not yet been promoted in the mainland, but has been in with the card issuing banks, receiving agencies to discuss the future cooperation UnionPay has been promoted through local cooperative receipts agencies.

Although UnionPay has denied the news, China UnionPay related officials said, "based on two-dimensional code to pay security issues, has not been thoroughly resolved, UnionPay in the market has never started the commercial application of two-dimensional code payments." But in my opinion, the so-called smoke, at this time can not be groundless, UnionPay just want to pay treasure and so on, under the "table" slowly rob the market.

The "Edge-edge" ecology of two-dimensional codes

You know, as early as March 14 this year, the central bank issued an emergency document said, offline bar code (two-dimensional code) payment broke through the traditional processing terminal business model, its risk control level directly related to customer information security and capital security, demand immediately suspend offline bar code (two-dimensional code) payment, virtual credit card business.

But in fact, the two-dimensional code of the company under the scene of payment, can still be used normally, especially in the taxi software scene, through two-dimensional code form to pay, but also to get "concessions." This shows that the central bank issued by the document does not catch a cold, because they can be user behavior, user needs, such as the past, for this "edge" ecology, seems to have become the industry everyone knows, but can not say the secret.

In fact, such a bar code payment, the impact is the UnionPay line under the receipt of business, the direct skip UnionPay to complete the issuing bank and the transfer of a single line, as a vested interest, UnionPay how can sit idly by. We do not even rule out that the central bank's March release of the document is the background of UnionPay. For the relationship between UnionPay and central bank, borrowing from a senior Chinese bank executive in a financial gathering, privately said that "UnionPay is the son of the Bank of China", from its personnel appointment we can also see such a relationship, the successive presidents, executives, etc. are from the central bank executives (Wan Jianhua, Suning, etc.).

As to why the present situation, the central bank is not to stop the reasons. I think it may be because of public opinion, and the reasons for the political and business relations (this is too risky for everyone to dwell on). Crucially, the document does not have a clear "moratorium" on boundaries and penalties, making it a loophole for the companies involved. And for UnionPay, since the "positive" can not curb the interests continue to damage, can only choose into the Bureau (layout of two-dimensional code), and can not openly say that they have entered the bureau.

It is reported that the scheme of UnionPay consists of two parts: first, the Line and window (network stores in the focus of publicity or to attract customers of the commodity location) sweeping code payment, the second is the line to sweep code payment, the latter attached to the original line under the Pay-order layout system, to sweep code instead of In the application scene, UnionPay's line two-dimensional code payment and Alipay, Tenpay sweep code flow is just the opposite, that is, consumer mobile terminals to generate bank card information two-dimensional code, the Merchant to scan the code after the completion of the transfer of funds and payment.

Layout a two-dimensional code or not save yourself

In my opinion, the two-dimensional size of the UnionPay layout can not achieve self-help, or that the layout is too late. First of all, from a technical point of view, UnionPay mobile payment in the past to take the decentralized approach. As I know, UnionPay pays no less than 5, none of which is UnionPay's own company, which is either authorised or affiliated to operate, except that the underlying users and funds are from UnionPay.

So UnionPay's two-dimensional code payments, is UnionPay to do it themselves, or to take the same way as mobile payment, it is still unknown. But no matter who does, image recognition, payment security is the biggest problem, seven kinds of payment security is the industry's common fault, so far no one company can completely solve the problem. This is the same as the problem of bank cards, this security risk is inevitable, we can only improve the cost of other people's crime, but there is absolutely no way to prevent others from committing crimes.

Second, from the market environment, two-dimensional code to pay the future will be the mainstream. A video has been circulating online recently its content roughly said, Alipay will be on line a new payment method "Kongfu", using the image recognition technology, that is, through the picture of people or things to pay, it has exceeded the height of two-dimensional code, but also more convenient than two-dimensional code.

And as far as I know, Alipay began to look at new forms of payment as early as three years ago, also set up a special innovation Payment department (now there is no known), its department was mainly studying two-dimensional code, sound waves, and so on, and now has studied the image payment, the next step will be fingerprint, retina.

With these emerging payment methods, the future is not even the mobile devices can be directly paid, then the two-dimensional value of the layout of UnionPay? Not only Alipay, Baidu, Tencent and so on in this respect, and whether UnionPay can keep up with such a pace, it is worrying.

Actually two-dimensional code, image and other payment methods is not UnionPay's own biggest problem, UnionPay's biggest problem is "monopoly under the closed." This closure let UnionPay accustomed to food and clothing worry-free, accustomed to high profits, accustomed to the Overlord clause, and when the internet this more democratic, equal mechanism, penetration, UnionPay became helpless. So I said that the layout of two-dimensional code, but also can not save UnionPay, unless the UnionPay completely changed.