Beijing, December 29 (Xinhua) The new bar code payment regulations issued by the central bank were screened yesterday. Seeing the news that the scanning code payment deadline is 500 yuan, many people complain that the quota is not enough. In fact, everyone has misunderstood that the daily limit in 500 yuan is only for static bar codes, such as the payment method of scanning the QR code posted by the merchants at the booth. Experts said that the 500 yuan quota has met the needs of most users. If the consumption exceeds that of 500 yuan, the merchant will not be subject to this restriction by scanning the user’s barcode.
Why the limit? Static bar codes are unsafe and difficult to distinguish between true and false.
On the evening of the 27th, the central bank issued the Code for Barcode Payment (Trial), which will be implemented on April 1st, 2018. The new regulations will limit the bar code payment business of individual customers according to the level of risk prevention ability.
The risk prevention ability is divided into four grades: A, B, C and D. The QR code of the payment posted by the merchants who usually shop in front of the booth is a static barcode, and the risk prevention ability is the lowest, which is D. When answering a reporter’s question, the relevant person in charge of the central bank said that static bar codes are easy to be tampered with or altered, and it is advisable to carry Trojans or viruses, which is difficult to distinguish between authenticity and authenticity, resulting in higher payment risks.
Therefore, the new regulations make it clear that the cumulative transaction amount of a single bank account or all payment accounts of the same customer in a single day should not exceed that of 500 yuan if static bar codes are used. If individual customers need more bar code payment amount, they can verify the transaction by means of digital certificate or electronic signature.
Huang Zhen, a professor at the Institute of Financial Law of the Central University of Finance and Economics, told Zhongxin. com that the limit of static bar codes is mainly based on security considerations, and large payments should be scanned by generating dynamic bar codes. Static bar codes are really convenient to put there, but convenience and security sometimes conflict. For example, the bar code exposed before was stolen and the thief stole the money.
Dong Ximiao, a senior researcher at Chongyang Financial Research Institute of Renmin University of China, suggested that when using bar codes to pay, try not to use your mobile phone to scan other people’s static bar codes, but let others scan your mobile phone. The security of static QR code is much lower than that of dynamic QR code generated in real time.
Expert: Most of the bar code payment < 500 yuan quota is enough.
So, is it enough to scan the static bar code to pay the one-day limit 500 yuan? Actually, it’s really enough. The central bank said that according to the data of bar code payment transactions of major market institutions, the quota has covered the needs of most customers who use bar code payment.
According to Dong Ximiao, in 2015-2016, more than 95% of the daily bar code payments by mainstream payment institutions were below 500 yuan. In the first half of this year, the average daily amount of bar code payments by mainstream payment institutions was 108 yuan.
"500 yuan quota is for users, and there is no restriction on merchants. I don’t think it will affect the actual use, whether it is merchants or consumers.If you spend 600 yuan in a hotel, it’s a bit difficult to scan the code to pay. However, at this time, let the cashier scan the QR code on your mobile phone."Dong Ximiao said.
It is understood that in the current bar code payment, most merchants scan the user’s bar code by using dynamic bar code for payment. Correspondingly, there are other risk prevention ability grades and trading limits.
Li Min, a special researcher at China Electronic Commerce Research Center, said,The use of static bar codes is aimed at small consumers.The formulation of risk grade standards is in line with market demand and has practical significance, andIt will not suppress the actual operation of business entities such as pancake fruit stalls and tea shops..
In response to a reporter’s question, the relevant person in charge of the central bank stressed that in order to prevent the risk of static bar codes, static bar codes should be generated by encryption of the background server, and anti-counterfeiting paper should be used to display bar codes, which should have certain anti-counterfeiting characteristics; Static bar codes should be protected by physical means such as protective cover to avoid being covered or replaced, and anti-counterfeiting labels should be used to mark the protective cover.
Do not burn money and subsidies have an impact on WeChat and Alipay?
The new regulations require that non-bank payment institutions (referred to as payment institutions) should obtain online payment business licenses if they provide payment services based on bar code technology to customers. At the same time, banks and payment institutions carry out bar code payment services.We should make scientific and reasonable pricing with reference to the pricing standard of bank card swiping fees, and we should not use unfair means such as cross-subsidy, dumping below cost and so on to crowd out competitors, and we should not use unfair competition means such as "burning money" and "subsidies"..
Alipay and WeChat payment have always been the two giants in the mobile payment market. According to the report of Analysys think tank, in the second quarter of 2017, Alipay accounted for 53.70% of the market share and Tencent Finance accounted for 39.12%.
In response to the new regulations, the two giants also responded, saying that they agree with the efforts made by the central bank to standardize bar code payment, and will explore innovative models and feasibility with the industry and regulatory authorities.
Dong Ximiao believes that the new regulations requireYou can’t exclude competitors, for example, you can only scan one QR code but not another.Yes; It is forbidden to compete below the cost price, for example, it is unreasonable to scan the code and receive 1 million, but invest 2 million; The central bank stressed that the payment business should have stable and sustainable investment and operation, in order to prevent the continuous expansion of many companies in bike-sharing from closing down.
Li Min also said that,Subsidies and red envelope activities of Alipay and WeChat are not necessarily unfair competition.. Unfair competition refers to the behavior of operators who violate the provisions of the Anti-Unfair Competition Law, damage the legitimate rights and interests of other operators and disrupt the social and economic order. thereforeWhether red envelopes and subsidies constitute unfair competition needs further determination..
Barcode technology shall not be abused, and businesses such as financial management and currency exchange are prohibited.
According to the new regulations, payment institutions are not allowed to engage in or engage in securities, insurance, credit, financing, wealth management, guarantee, trust, currency exchange, cash access and other businesses in disguised form based on barcode technology.
Huang Zhen said that the reason why the central bankThe purpose of approving third-party payment licenses is to support e-commerce consumption, not to make it a wealth management and investment institution.Otherwise, it will deviate from the original intention of approving payment licenses, and it will also produce unequal competition and be unfair to financial institutions such as banks.
"This is a matter of principle. From the nature of the account, payment can only be payment, and the payment account cannot be used in other fields." Dong Ximiao said.
For entity merchants (small and micro merchants), the new regulations require that the acquiring institution can provide barcode payment and acquiring services for them by reviewing the identity documents and supporting documents of the main person in charge of the merchants.
Dong Ximiao believes that the central bank’s move is grounded, and small and micro businesses that do not need to go through the registration formalities in industrial and commercial registration are included in the acceptance scope of bar code payment.In other words, the central bank also supports you in setting up stalls and scanning yards to sell vegetables at the farmers’ market.. (End)