The Central Bank Issued The "Payment Institutions Network Business Management Approach" Alipay Said The Balance Of Treasure Will Not Be Affected.

< p > March 18th, China's < a href= "http://www.91se91.com/ > > payment /a >" Cai Hongbo, executive vice president and Secretary General of the clearing Association, "at a press conference, said that the reason why the two dimensional code payment was stopped is mainly the lack of the current technical safety standards. In the future, it is possible to promote the use of the standards after reaching the standard. < /p >
< p > in addition, for the central bank has not yet promulgated the "management measures" draft, yesterday, Alipay official micro-blog said, Alipay fast user purchase and redemption of the balance of treasure now and in the future will not be affected. < /p >
< p > < strong > Alipay responds to the draft of the central bank < /strong > /p >
< p > it is understood that the twenty-fifth provision of the "management measures" stipulates that the amount of individual payment account transfer shall not exceed 1000 yuan, and the total amount of transfer account of the same customer account shall not exceed 10 thousand yuan. The amount of individual consumption accounts should not exceed 5000 yuan, and the total amount of monthly payments spent by the same personal customer shall not exceed 10 thousand yuan. Exceeding the limit should be handled through the client's bank account. < /p >
< p > to address the question whether users will care about the future purchase of financial products such as balance Bao and so on, yesterday, Alipay said on official micro-blog: first, the draft is a draft, that is to say, it is still in the drafting stage, and has not been formally promulgated, nor has it been implemented. The introduction of each management method will undergo many versions of the draft; second, the company has feedback relevant opinions to the central bank, and is actively communicating with the central bank; third, since it is not a formal opinion, there will be no restrictions on the use of the balance treasure. < /p >
< p > < strong > < a > href= > http://www.91se91.com/ > > dimension code < /a > contents are not controllable. < /strong > /p >
< p > industry insiders say that the two-dimensional code is actually a coding way, which can display pictures, text messages and so on in two-dimensional code, and then identify by camera, as a way to transmit information, two-dimensional code does not generate restrictions on the main body, which brings great risks. < /p >
< p > a security expert told a daily economic news reporter in Southern China that "two dimensional code is because no SE (security element) such a security guarantee, anyone can go to the website to generate, so it is not safe." < /p >
< p > anyone can generate two-dimensional code on the website. This gives cybercriminals the space to commit crimes. For example, installing malicious software, users scan the two-dimensional code containing malicious software and go directly to the download page. If the user clicks and downloads, the phone will be installed. < /p >
< p > a large a href= "http://www.91se91.com/" > payment institution < /a > also told reporters: "the content behind the two-dimensional code is uncontrollable. The two-dimensional code payment is jointly and severally affected. Through the scan code induction download, it is implanted into Trojan horse virus, intercepts the victim's short letter, takes the mobile phone check code, and then carries on the network fraud." < /p >
< p > in view of the problems in the security of two-dimensional code payment, in March 13th, the central bank issued an urgent document on the suspension of Alipay's offline bar code (two-dimensional code) payment and other business opinions, suspending bar code (two-dimensional code) payment and other face-to-face payment services. < /p >
< p > a payment risk expert told the daily economic news reporter: "through the new reading technology of two-dimensional code, the online transaction will be transformed into a card free transaction under the line, and the risk level will be transformed from low risk to high risk. Under the immature conditions of the system, if large-scale application will cause systemic risk and the risk arises, it is difficult to trace the source of the crime." < /p >
< p > strong > two-dimensional code payment still needs to be improved in many ways < /strong > < /p >
The central bank's concerns are not without reasons. At present, there is not a bar code payment security authentication system in other countries. There are also doubts in protecting the authenticity of trading account security and transaction information. P < /p >
< p > Cai Hongbo said that the two-dimensional code payment should be discussed in terms of security and non repudiation of the transaction. However, it is uncertain whether the security standard of the financial payment system can be achieved. It is also possible to further popularize the application after reaching the standard in the future. < /p >
< p > for payment institutions and two-dimensional code users, it is urgent to know when the two-dimensional code safety payment standard can be established. < /p >
< p > the above payment risk experts said: "the two-dimensional code payment is theoretically the way of information transmission, and there is a certain difference between the transmission of information and the financial payment information. In the terminal environment, is there any possibility that the information on the initiating terminal will be stolen, and whether the transmission process will be intercepted in the middle, there are many aspects to be improved." < /p >
< p > he said that the direction of improvement needs to be achieved in the following aspects: first, ensure the authenticity and unduplicability of the two-dimensional code; secondly, during the transmission process, external devices, such as mobile phones, need a set of safety identification standard software to ensure the security of the scanned two-dimensional code. Finally, during the transmission process, the payment organization passes the relevant system to the credit card bank to authorize the process, and the security of the information needs to be ensured. < /p >
< p > "two-dimensional code needs to be further demonstrated in the financial payment link to protect the security of cardholder's cards, and to improve these aspects through the promotion of offensive and defensive technology. At the same time, the financial payment security standard is a set of gradually improved standards, which is difficult to achieve overnight." The above payment risk experts said. < /p >
< p > Lai Yi Electronics CEO Xu Haiguang also told the daily economic news reporter that the payment instructions and verification instructions of banks and Payment institutions have only one channel. Single channel is easy to be intercepted by hackers through information and browsers. It is difficult for financial institutions to confirm the identity of the client operator, and can not identify the middlemen (such as hackers) tampering with the payment instructions. If we can achieve double channel verification, we can guard against this problem. < /p >