Which industries will be affected by the suspension of third party payments?

The central bank's emergency moratorium on two-dimensional code payments and virtual credit cards and other business, all involved in third-party trading business are bound, the suspension also gave O2O mode of E-commerce deadlock. The so-called one stone stirred thousand layers of waves, is the security of the regulatory considerations or with the interests of all parties to the game it? Different views, of course, but there are mixed with a variety of complex factors.

Which industries will be affected by the suspension of third party payments?

The streets are full of two-dimensional code figure, and two-dimensional code generation Way is very simple basically no technical content. Now two-dimensional code payment is also spread across all walks of life, like the recent more fiery mobile phone taxi, pay treasure mobile wallet, shopping malls convenience store sweep code payment and so on. Mainly related to Alibaba and Tencent, the two giants of a variety of business.

What are the risk of third party payment?

A lot of outlaws and merchants use two-dimensional code convenience, and low threshold generation way. Two-dimensional code hidden viruses and trojans and other programs. A but consumers sweep code, mobile phone will be poisoned, resulting in personal information stolen and personal property missing, so the code needs to be cautious.

CCTV broadcast the "phone lost after the loss of money will be lost", but also to the third party to pay the risk of warning. Third party payments associated with mobile phones is a very dangerous thing, if not set up the relevant security barriers, the lawless elements are easy to use the phone to retrieve the password, so easy to transfer the accounts inside the account production. Therefore, the mobile phone associated property account must be set up in a variety of security settings.

Game of interest or security?

The central bank said that the purpose of suspending third party payment is to standardize financial related development and protect consumption rights and interests, not to some enterprises and other interest factors. However, the views of different parties, the relevant banks have supported the suspension of Third-party payments and virtual credit card business voice, said that virtual credit cards are in the Internet online card issuers, identity can not be effective certification, will bring credit crisis. May cause the illegal person to impersonate other people to claim this card, causes the user unnecessary trouble and the loss. and financial professionals believe that Internet finance has not yet introduced effective regulatory measures, if the scale of the Internet at this time the amount of the model will cause unnecessary trouble and risk.

There is support and of course there is the voice of opposition, other people in the industry think: in the traditional bank card mode, the issue of bank cards will have to go UnionPay, the line under each credit card consumption will generate fees, each UnionPay can share to 10% of the handling fee, while the two-dimensional code payment and virtual credit card mode does not need to go through UnionPay, Pay UnionPay each time can not enjoy the fees brought by, which directly involved the interests of UnionPay. Obviously all the factors are inseparable from the interests of the game.

Finally, whether it is due to financial security regulatory considerations, or third parties to pay a variety of security factors. It is hoped that all parties can expeditiously introduce various solutions to solve the current difficulties faced by O2O, internet finance is the trend of the Times, O2O in the electronic commerce occupies an indispensable link. Now O2O financial model has permeated every aspect of life, from the net shopping, to large businesses, to small convenience stores have its figure, suspended third-party payments and consumption of life many links brought a lot of inconvenience.