When will the two-dimensional code pay the head?

Two-dimensional code payments in the last year or fresh technology, it was in June 2013, the subway commuters found that a new type of beverage and snack self-service vending machine appeared in some metro stations. The machine, which is indistinguishable from the traditional vending machine, also has a transparent display of the product, just press the corresponding button below the product, and immediately choose the drink or snack you want to buy.

The difference here--after selecting the product, the machine's display interface does not remind you to coin, but jumps out of a two-dimensional code pattern. You just open the phone micro-letter, start the "sweep" function, on the two-dimensional code pattern sweep, and entered the mobile payment program, exempt you from the trouble of going out with money.

Everything is good and bad, two-dimensional code payment is the same, such as a shop owner Wang on the internet to know a so-called "customer." The "customer" to buy goods for the name plus he QQ friends, at the same time sent a two-dimensional code picture let Mr. Wang "sweep" to facilitate future contact.

Mr. Wang did it. For the next two days, he found himself unable to receive a text message when he was conducting an online transaction, and failed to receive the authentication code information he needed to use Alipay. This aroused his suspicion.

Because the cell phone binding network silver function, he rushed to the bank to inquire, the results found that his bank card has a number of online payment records, a total payment of 100 times, the amount of more than 90,000 yuan.

The case was eventually uncovered by the public security organs. According to the criminal suspect Li MoU, he in "two-dimensional code" implanted Trojan virus. Once the scan is successful, the victim and the mobile phone will be automatically forwarded to the phone. At the same time, the victim's mobile phone message reception function will be blocked, can only send text messages, can not receive.

Of course, such examples are also many, are attributable to the role of fraud greedy, so the central bank recently issued urgent documents to stop Alipay, Tencent's virtual credit card products, but also to stop the bar code (two-dimensional code) payment and other face-to-face payment services.

At the Conference on "Reform and innovation of China's modern payment system" held at the Central University of Finance and Economics today, the executive vice president and Secretary-General of China's payment and liquidation Association, Caihongbo, said that the central bank suspended the two-dimensional code, saying that it is possible to pass the appraisal and then popularize the application

To improve, including mobile payment or according to the law, can be carried out in a few steps: "There must be a law called e-commerce law, which is used to prescribe some basic issues, including market access, the differential between electronic payment contracts and traditional contracts; second, like some safe anti-virus software to recognize whether the two-dimensional code payment is safe, Like some phishing websites, prior users do not know is a phishing site, often safe anti-virus software identification, told netizens this site is a phishing site, do not enter the two-dimensional code to pay the same, there is a dangerous two-dimensional code do not use mobile phones to sweep, protect your account funds security. ”