Sweep the code to pay a daily limit of 500 yuan, not enough? You may misunderstood
BEIJING, Dec. 29 (Xinhua) Beijing December 29, the central bank issued a new bar code to pay the new rules yesterday to see the screen scan code to pay 500 yuan a day, many people complained about the amount of not enough. In fact, we misunderstood, the date $ 500 is only for static bar code, such as sweep businesses posted in the booth two-dimensional code of payment.Experts said that 500 yuan limit has to meet the needs of most users.If the consumer over 500 yuan, Not limited to this.
Why limit? Static bar code is not safe, authenticity is hard to distinguish
On the evening of the 27th, the central bank issued the "Bar Code Payment Business Code (Trial)" and implemented it on April 1, 2018. The new regulation will limit the bar code payment business of individual customers according to the level of risk prevention capability.
Risk prevention ability points A, B, C, D four levels, we usually sweep the sweep of businesses posted in the booth before the receipt of two-dimensional code for the static bar code, the lowest risk prevention capacity, as D. Central Bank officials in charge of A reporter asked that the static bar code easily be tampered with or altered, should carry a Trojan or virus, authenticity is difficult to distinguish, resulting in a higher risk of payment.
Therefore, the new regulation is clear, the use of static bar codes, the same single customer account or all the payment account for a single day cumulative transaction amount should not exceed 500. If individual customers need more bar code payment, including the use of digital certificates or electronic signature Verify the transaction.
Huang Zhen, a professor at the Institute of Finance Law of the Central University of Finance and Economics, told CNNews that the quotas for static bar codes are mainly based on security considerations and that large bargains generate dynamic bar codes to scan. Sometimes there are conflicts of convenience and security, such as bar codes that have been exposed before being stolen and the thief stealing money.
Dongxiao Miao, a senior researcher at Chung-Yong Financial Research Institute of Renmin University of China, suggested that when using barcode payment, try not to use a mobile phone to scan other people's static bar codes, but to let others scan your mobile phone. The security of static QR codes is much lower than that of real- QR code.
Expert: most of the bar code payment< 500元 额度足够用
So, sweep the static bar code to pay a single daily limit of 500 yuan enough? Actually, really enough.Central Bank said that according to the major market institutions bar code payment transaction data shows that the amount has covered most of the use of barcodes to pay the needs of customers .
According to Dong Xi-miao introduction, 2015-2016, the mainstream payment agencies pay more than 95% of the daily bar code in more than 500 dollars in the first half of this year, the mainstream payment agencies bar code to pay per capita daily amount is 108 dollars.
'500 yuan limit is for the user, there is no limit to the business and I think for the actual use, whether it is business or consumer individuals, will not have an impact.If you spend 600 yuan in the hotel, to sweep the payment on the It's a bit difficult, but let the cashier scan the two-dimensional code on your cell phone. "Dong Ximiao said.
It is understood that the current bar code payment, the number of bar code scanning business users for the use of dynamic bar code to pay more. There are other risk prevention capabilities corresponding to the classification and trading limits.
Li Min, a researcher at China's e-commerce research center, said that the use of static barcodes is aimed at small consumers and that the development of risk level standards meets the needs of the market. It is of practical significance and will not suppress such operations as pancake fruit stalls and tea shops The main body of the actual business.
In order to prevent the risk of static barcode, the responsible person of the Central Bank stressed that in order to prevent the risk of static barcode, the static barcode should be encrypted and generated by the backstage server. Bar code should be displayed with security paper, and the security paper should have certain security features. Static bar code should be protected by physical shield Means to avoid being covered or replaced, should use the security label to mark the protective cover.
Can not burn money, subsidies have impact on WeChat, Alipay?
According to the requirements of the new rules, a non-bank payment institution (hereinafter referred to as a payment institution) shall provide Internet payment service license to provide bargaining services based on barcode technology to customers. At the same time, banks and payment agencies shall refer to the bank card swiping commission pricing standard Scientific and reasonable pricing shall not be used to cross-subsidy, lower than the cost of dumping and other unlawful means to exclude competitors, shall not take 'burn' subsidies and other inappropriate means of competition.
According to Analysys think tank report, Alipay accounts for 53.70% market share in the second quarter of 2017, with Tencent Financial accounting for 39.12% of the total.
In response to the new regulations, the two giants have responded by saying that they agree with the central bank's efforts to standardize barcode payment and will work with the industry and regulators to explore innovative modes and feasibility.
Dong Ximiao that the new regulations require exclusion competitors can not sweep the two-dimensional code such as a home can not sweep another house; prohibition of competition below the cost price, such as sweeping code receipts received 1 million, but the input This is not reasonable. The central bank emphasizes that a stable and sustainable investment and operation of the payment business is necessary to prevent similar cyclists from sharing more and more companies from collapsing.
Li Min also said that Alipay and WeChat subsidies, red envelopes activities are not necessarily unfair competition. Unfair competition means that operators violate the "Anti-Unfair Competition Law," damage the legitimate rights and interests of other operators, disrupt social and economic Order behavior.Therefore whether red packets and subsidies constitute unfair competition need to be further identified.
Bar code technology must not abuse money management, currency exchange and other businesses are banned
The new regulation proposes that payment agencies should not engage in any business such as securities, insurance, credit, financing, wealth management, guarantee, trust, currency exchange, cash deposit and withdrawal, or disguised forms based on bar code technology.
Huang Zhen said that the reason why the central bank approves third-party payment licenses is to support e-commerce consumption, not to make it a financial management and investment institution, or deviate from the original intention of approving the payment of licenses. It will also result in unequal competition, such as banks. Financial institutions are not fair.
'This is a matter of principle, from the nature of the account, the payment can only be paid, the payment account can not be used in other areas.' Dong Ximiao said.
For entity-specific merchants (small and micro-merchants), the new regulations require that the acquirer can provide barcode payment and receipt services by verifying the principal responsible person's identity documents and supporting documents.
Dong Ximiao that the central bank move is groundless, according to the provisions do not need to apply for business registration of small and micro businesses into the bar code payment acceptance. That is to say, you stall in the farmer's market sweep the code to sell vegetables, the central bank is also support of.