Two Dimensional Code To Pay The Brake Order Can Save Unionpay?

  Here world clothing shoes The little weave of the hat net is for you. Two dimensional code payment stopped for a hundred days, and the UnionPay was introduced into the war.

It is reported that in the cinemas, cafes or taxi, pick up the mobile phone to sweep, you can easily complete the transaction, once, two-dimensional code payment has become our new way of payment, the new force in the mobile payment field has no time at all, so that the banking industry all shouted: wolf is coming.

But dramatic changes have taken place. For safety reasons, central bank made clear in the middle of March this year, an urgent suspension of two-dimensional code payment technology marketing. For the reasons why the central bank issued the brake order, insiders speculate that Alipay and Tencent's efforts to promote the two-dimensional code payment has endangered the traditional UnionPay card business.

Coincidentally, it later passed the UnionPay to launch its own two-dimensional code payment business, when the central bank favours the UnionPay. However, the UnionPay immediately denied that it had launched its commercial application of two-dimensional code payment in the market. At a time, the bystander was like a fog.

Up to now, the "suspension order" has been released for hundreds of days, but the related businesses seem to have stopped but not stopped. Today, online offline stores, two-dimensional code payment can still be used. In the face of this big cake, how should the parties be divided? What action will the central bank have?

According to the central bank's statement, the risk control level of two-dimensional code payment technology is directly related to the information security and financial security of customers. Based on the regulation and safety considerations, the two dimensional code payment of Alipay and Tencent is suspended. But over the past three months, the payment of sweeping codes has not been reduced. Take Hefei as an example, at present, more than half of the more than 9000 taxis in the city have paid two-dimensional codes. Taxi driver Cao Master said that in May this year, it also received information encouraging passengers to sweep yards.

Reporter: are there many people?

Taxi driver Cao master swept a lot of people during rush hour.

Reporter: not to say that in March, the state has regulations and does not allow sweeping codes to pay.

Taxi driver Cao Master said this, but in May, (Alipay) sent a text message saying that passengers can sweep the yard now, and the driver can get a discount, and he has been sweeping it for more than a month from May to now.

In some cinemas, coffee shops can still be paid through two-dimensional code, which is the main consideration of people's "sweep code payment".

Citizen: it's easy to lose too many things in your pocket, because you can never leave your cell phone with your mobile phone. It's very convenient.

Meanwhile, there is news that the new Two dimensional code payment The service is also "eager to try". At present, the UnionPay two-dimensional code payment system has been developed and is being discussed with banks for cooperation and promotion. Unlike the previous three party payment methods introduced by Alipay, the "UnionPay" two-dimensional code is generated by the consumer's mobile terminal to generate two-dimensional code for each bank card. After the code is swept, the merchant will complete the transmission and payment of the fund information. However, when contacted by the relevant departments of the UnionPay, the UnionPay denied that it had launched the commercial application of "two-dimensional code payment" in the market, but said that it is currently working with relevant departments to actively study the technology mature, safe and controllable solution.

Li Yi, Secretary General of China Mobile Internet industry alliance, thinks that the "two-dimensional code payment" is still "concubines unknown" considering that the central bank's attitude is not yet clear. But the information disclosed earlier is credible. For example, the "two dimensional code that consumers take the initiative to generate, and the way to scan the code by the merchants, and verify the confirmation" may be taken by the UnionPay code. In essence, it is changing the credit card into the scan code. From the point of view of the mode, it helps to avoid some security risks, which may represent the direction of the payment of the two dimensional code in the future.

Li Yi: like the UnionPay, faced with the huge market prospect, all parties are unwilling to lose at the starting line. On the one hand, the original offline business has not been fully recovered. On the other hand, Alipay is also actively coordinating with relevant departments.

Alipay: Alipay has been very concerned about the technology and application of the two-dimensional code and bar code payment. We have been actively coordinating with the central bank, the payment and clearing Association, etc., and have carried out some discussions on the relevant standards of the two-dimensional code payment.

And another third party payment that used to be a place in the "sweep yards" is paying for the money in the field.

Cai Fu Tong: or want to continue to do in depth, we feel that the market is also very large, for consumers, good for businesses, are very convenient means of payment.

Even if the future standards may not be dominant, Cai Fu Tong also said that he was happy to see that:

Cai Fu Tong: if there is such a unified standard, the development of the entire industry will have a better role in promoting, equivalent to the business may use only one machine can solve all the payment channel problem, do not need to set up a lot of machines. This is also good for the development of the whole industry.

On the other hand, the central bank issued the "restriction order". On the other hand, the agencies do not stop laying the two-dimensional code. Why? "Sweep code payment" stop ceaselessly. In the future, two-dimensional code payment "lifting the ban" whether there is a timetable? The industry believes that the central bank's attitude toward the two-dimensional code payment is suspended rather than more severe "stop", but also to leave room for this innovative payment method. At the same time, the trend of market also makes families reluctant to give up this huge cake.

Li Yi, Secretary General of China Mobile Internet Industry Alliance: from the whole world, like the transfer of the money free way of payment, many overseas institutions like this UnionPay may have done something like this, not that you can resist this trend. Second, I think the Alipay of the Internet now, most people have begun to try and find that there seems to be no problem.

However, Fan Shuangwen, deputy director of the division of payment and settlement of the people's Bank of China, has previously said that the "moratorium" of the two-dimensional code will not be lifted until the existing security risks are determined.

Fan Shuangwen: Internet finance also has risks. In the process of innovation, this mistake and risk must be controlled within the controllable range.

The industry believes that market Under the background of increasing demand and encouraging the development of Internet finance at present, the central bank may accelerate the pace of formulating the two-dimensional code payment standard with relevant departments and agencies, but taking into account the real level game of interests of all parties, it is likely to go through a more intense "fight to kill" if it wants to push the market to a large extent.

Third party payment analyst Wang Weidong: if it is purely technical, I think there is no problem, but from different types of enterprise cooperation, this category may produce some additional things.