The QR code that was once suspended by the central bank has recently returned to the public eye. Whether it is a third-party payment institution or a bank, the two-dimensional code payment is secretly laid out. In this regard, the central bank did not make a public response, only requiring third-party payment institutions and banks to file the trial QR code payment.
phenomenon:
The QR code payment battle continues
Beijing Business Daily reporter found that TenPay and Alipay in third-party payment institutions have recently promoted QR code payment to the public. For example, the latest version of WeChat has added a face-to-face payment function. By scanning the QR code to realize the “collecting money†function, it is equivalent to restarting the WeChat QR code payment. WeChat Pay also cooperates with JD. We can use WeChat to pay by sweeping. Alipay also cooperated with some merchants to carry out the activities of paying back the cash with QR code. Before October 9, 2014, use Alipay wallet to spend 100 yuan in any store in Wangxiangyuan, Wangchi and Manxiang Xiaoguanyuan. You can enjoy a discount of 15 yuan.
At the same time, a number of banks, including ICBC and Bank of Communications, also secretly distributed QR codes in their mobile banking. A bank also began to sell wealth management products through mobile banking two-dimensional code payment.
UnionPay has not been outdone, and has secretly developed a two-dimensional code payment model, but it has not been commercialized. It is reported that the two-dimensional code payment mode developed by UnionPay replaces the “swipe card†with “scan codeâ€, but its scan code process is opposite to Alipay and Tenpay mode, that is, the mobile phone generates the QR code of the bank card information. After the scan code is completed, the fund information is transmitted and paid.
The relevant person in charge of UnionPay told the Beijing Business Daily that UnionPay has not initiated the commercial application of QR code payment for security reasons. "UnionPay's National Engineering Laboratory for E-Commerce and Electronic Payment has been actively researching and exploring various innovative payment models including two-dimensional code payment. The security problem based on QR code payment has not been thoroughly solved. To solve this problem, UnionPay has never launched a commercial application of QR code payment in the market," the official said.
There are indications that whether it is a third-party payment institution, a bank or a UnionPay, they are secretly laying out QR code payments and breaking the central bank’s previous “suspension order†in March.
Secret:
The central bank currently requires the filing of a pilot two-dimensional code payment
On March 14, 2014, the central bank called the two-dimensional code payment service under the slogan that “the scan code is easy to be implanted with a Trojan virus and there are potential safety hazardsâ€. The security risks mainly include the security of the payment system and the security of the QR code information itself and the scanning code. From the perspective of the two-dimensional code payment of the bank pilot, the security has been greatly improved. The bank's QR code payment is currently only running within the system, which guarantees security, but the security of third-party payment agencies remains to be verified.
Although the central bank resolutely stopped the two-dimensional code payment, the central bank did not respond publicly in the face of a number of third-party payment institutions and bank offline promotion of QR code payment.
A number of third-party payment agencies have indicated that the central bank currently only requires the filing and communication of the pilot QR code payment. The relevant person in charge of Alipay said that the specific business has been reported and communicated to the central bank, and relevant information will be submitted according to the requirements of the central bank. If there is any progress, it will be notified at any time. The relevant person in charge of Tenpay said that it has been in positive communication with the central bank, the payment clearing association and Other regulatory authorities, and has begun to discuss and formulate relevant payment standards and safety standards.
Reason: Win customer stickiness
What is the QR code payment? QR code payment is to generate the QR code of the product page or order information, then scan it through the mobile phone, read the product information and generate an order for payment. In the two-dimensional code payment market, the first to start is Alipay and Tenpay, which account for the largest share of the third-party payment market in China. However, the central bank first suspended the two-dimensional payment of third-party payment institutions.
It is worth mentioning that banks, third-party payment institutions, and UnionPay are actively preparing for QR code payment. In fact, whether it is a third-party payment institution or a banking institution, it is necessary to fight for the two-dimensional code payment offline. Many customers, thus increasing customer stickiness, at the same time, the prospects of mobile payment business is very bright, who can get the first place to gain access to this part of the market, can stand firm in this market. The person in charge of the above-mentioned Tenpay business said that it is not necessary to consider the profit problem, as long as the user is naturally profitable.
According to the recent announcement by the central bank of the “General Situation of the Payment System in the Second Quarter of 2014â€, in the second quarter, the country handled a total of 15.038 billion non-cash payment businesses, amounting to 456.2 trillion yuan, up 23.35% and 17.42% respectively. Among them, 947 million mobile payment services, the amount of 4.92 trillion yuan, an increase of 1.55 times and 1.37 times respectively, mobile payment business doubled year-on-year, continue to maintain high growth.
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