The People's Bank of China released the code of barcode payment on the 27th and insisted on small and convenient positioning to classify the barcode payment risk prevention capability and set different daily accumulated transaction limits.
The relevant person in charge of the central bank said that the bar code payment shows the advantages of low threshold and convenient use in the field of small sum and convenient payment as well as the problems such as disrupting the fair competition order and preventing the risk from being put in place in the business development etc. Adhering to an effective balance to encourage innovation and prevention Risk principle, study and formulate the corresponding norms.
Static code (such as pre-stick on the wall of the two-dimensional code) easily tampered with or altered, easy to carry Trojans or viruses, the central bank regulations, the use of static bar code to pay, risk prevention ability of D-class, no matter what kind of transaction Verification method, the same client bank or payment agency single day total transaction amount should not exceed 500. For example, when consumers use WeChat wallet to scan static barcode payment, the maximum limit for one-day use purse payment is not more than 500 yuan, Of all bank cards can also independently obtain a maximum payment of 500 yuan.
For the use of dynamic bar code (such as mobile phone real-time generated bar code) to pay, the risk prevention ability according to the different transaction authentication method is divided into A, B, C three levels, the same day single customer cumulative transaction limits are independent agreement, 1000 RMB.
The central bank official said that to encourage the use of safer dynamic bar code to provide payment services based on major market institutions bar code payment transaction data, the quota has covered most of the use of bar code payment payment customers and business needs.
Bar code payment specification since April 1, 2018. Renmin University of China Chongming Institute of Finance senior researcher Dong Ximiao, for example, the new requirements, the implementation of consumer demand in street vendors sweeping static bar code micro-payment is not affected, it does not affect the vendors If you eat in the restaurant meal 600, sweep the static bar code payment a bit difficult, but can allow cashiers to sweep consumer mobile phone generated dynamic bar code, so in fact more secure.