Go out to take a taxi, take out the mobile phone to scan the QR code on the car, and easily pay the fare; go to the restaurant to eat, the payment QR code on the phone is swept by the cashier scanning the code gun, immediately pay the bill to leave... Mobile payment to Our lives have brought great convenience. Nowadays, the two-dimensional code used for payment has widely covered supermarkets and even street vendors, and it can be said that “one machine is at hand, and the sale is not goodâ€.
Because bar code payment is becoming more and more popular, it is necessary for its "regulations." The "Bar Code Payment Service Specification (Trial)" issued by the People's Bank of China will be implemented from April 1st, and the "Barcode Payment Security Technical Specification (Trial)" and "Bar Code Payment Acceptance Terminal Technical Specification (Trial)" will be formulated. . According to the new regulations, the current prevailing storefront two-dimensional code, the use of WeChat, Alipay, etc. to scan the code payment, is called "static scan code payment." With this payment method, the cumulative transaction amount of a single customer bank or payment institution in a single day does not exceed 500 yuan.
"Scan code" is convenient and safe for hidden dangers
Bar code payment refers to the business activities of the bank or payment institution applying bar code technology to realize the transfer of money funds between the payee and the payer, including payment scanning code and payment scanning code.
Barcodes are a fully exposed graphic carrier that is typically displayed on a variety of media, including printed materials or web interface. It has more advantages than ordinary barcodes, such as large data storage, strong error correction capability, and more agile response. In recent years, with the increasing popularity of smart phones, bar codes represented by two-dimensional codes have been combined with smart phones to develop a new way of carrying and converting data. After being used by banking financial institutions or non-bank payment institutions, this method explores a new payment model that can expand services from online to offline.
The rapid development of bar code payment business, especially in the field of small amount and convenient payment, shows the advantages of low barriers and convenient use, and the market share continues to grow, which has become an important form of mobile payment development. However, although bar code payment is convenient, there are still many hidden dangers.
With the rapid spread of scan code payment, there are more and more fraud cases related to it. The most common is that the static code set by the merchant at the checkout counter is silently replaced by the criminals. Because the two-dimensional code pattern is complicated, it is difficult to distinguish it carefully, even the owner has not found it, and the result is that the money is easily entered into the pockets of others.
The relevant person in charge of the central bank pointed out that bar code payment is handled by open Internet and non-professional equipment, which brings certain technical risks. For example, visual risk issues, barcodes are displayed graphically in an open Internet environment, and criminals can steal payment vouchers by means of screen shots, sneak shots, etc., and steal funds during the validity period of payment vouchers. In addition, barcodes can not only store payment elements, but also illegal links or program code. Troubleshooters can link Trojans and phishing websites into barcodes, induce customers to scan, and steal sensitive information. In addition, bar code payment has low requirements on equipment, and ordinary mobile phone cameras, supermarkets, simple cash register scanners, and other devices that do not have security functions such as encryption and tampering can recognize barcodes and are easily modified by illegal elements.
"The technical implementation and business risk of bar code payment has its particularity compared with traditional bank card payment. Some market institutions also have problems such as disturbing the fair competition order and preventing payment risk prevention in the business development." The relevant person in charge of the central bank said.
Grading and promoting the "safety belt"
The new rules for bar code payment issued by the central bank have classified the four categories of A, B, C and D for the risk of various types of bar code payment, and specified the transaction limit.
According to the regulations, the use of static bar code payment, the highest risk, the lowest risk prevention ability, in the central bank's risk rating system for the D level, the minimum is also the limit. Therefore, the cumulative transaction amount for a single bank account or all payment accounts and fast payment orders for the same customer should not exceed 500 yuan.
The way in which merchants use a scanner and other devices to scan a customer's payment code is called "dynamic bar code payment." The risk prevention capability is divided into three levels: A, B, and C. The transaction verification method barcodes and payment limits for different levels are also different. The safer the dynamic code payment, the higher the transaction limit.
Specifically, the dynamic code that is verified by two or more types of effective elements including digital certificates or electronic signatures has a risk prevention capability of Class A, which can be autonomously agreed by the bank, the payment institution, and the customer through agreement. Amount. The use of two or more effective elements (such as fingerprints, passwords, etc.) that do not include digital certificates and electronic signatures, the risk prevention capability is Class B, the same customer's single bank account or all payment accounts, fast The cumulative transaction amount on the payment date is up to 5,000 yuan. Dynamic code payment with less than two types of valid elements for verification, the risk prevention capability is C level, the maximum transaction amount of the same customer's single bank account or all payment accounts, and the fast payment order date is up to 1000 yuan.
At the same time, the new regulations require static barcodes to be generated by the back-end server. It is advisable to use anti-counterfeit paper to display barcodes; media displaying static barcodes should be placed within the line of sight of the merchant's cashier. Merchants should check the media regularly; static barcodes should be shielded. Physical protection means to avoid being overwritten or replaced; the payee information is clearly displayed in the prominent position of the static bar code medium, which is convenient for the user to check.
The relevant person in charge of the central bank explained that in order to guide banks and payment institutions to improve the security of transaction verification methods and strengthen the security protection of customer funds, the risk prevention capability is high and the transaction verification method is more secure. Set the transaction limit with the customer.
Based on the consideration of security factors such as anti-replacement and anti-theft brush, the new regulations require banks and payment institutions to implement more stringent limit management measures when using static bar code payment to encourage market participants to use more secure dynamic bar codes to provide payment services.
Buyers are still convenient for sellers to adapt
Some consumers are worried that the quota will not be enough for the new regulations to be implemented. This kind of worry is not necessary. At present, the street vendors may use static codes. Most merchants with fixed stores will choose dynamic codes. According to the existing scan code consumption data, more than 95% of consumers currently have a static code payment amount of less than 500 yuan per day. The above quotas cover most of the use of bar codes to pay for payment customers and merchants, so most users will not affected.
"Generally use static code, that is, buy a pancake fruit on the street, buy some fruits and vegetables, 500 yuan is definitely enough." Yu Lin, deputy secretary-general of the China Payment and Clearing Association, previously pointed out that if you step back, you will encounter Fraud, the loss is also limited. "This limit protects users who are not familiar with the use of QR code and cannot clearly identify fraud. These users are very large in China."
After the implementation of the new regulations, it may have some impact on small businesses on the street. For example, for a boss selling pancakes, after a daily income of more than 500 yuan, it is necessary to separately scan the QR code of each customer. If you encounter a busy office worker, it will bring some inconvenience. In addition, if the daily income exceeds 500 yuan, these stores also need to prepare their own equipment such as scanning code guns, which may increase the cost investment for small businesses.
How to use barcode payment correctly
1, to use the official channel APP scan code software, do not scan the unknown QR code.
2. Carefully identify the authenticity, check the information, and confirm that the QR code is safe and effective.
3, should also be moderately vigilant against the common two-dimensional code, keep your payment QR code.
4, it is best to install some regular security software on the mobile phone, increase the safety factor of the mobile phone, prevent the criminals from embedding the virus in the two-dimensional code, and stealing important personal information.
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