Two Dimensional Code Payment To Restart The Postal Savings Bank Officially Launched In The Country

< p > Li Zhuoyi, deputy general manager of the electronic banking department of Guangdong branch of postal savings bank, told reporters in Nandu that the difference between the payment of the two-dimensional code of postal savings and the third dimensional payment made by the previous two party payment is not the openness but the closed type. The payment link includes the generation of two-dimensional code, and the confirmation and payment of the scan code, both of which must be passed through the postal savings bank system.

At present, the postal savings bank's two-dimensional code payment has not yet been launched in a large-scale way, and only the telephone fee recharge is introduced.

However, Li Zhuoyi disclosed that since the beginning of the year has been negotiating with a number of national large online merchants, the next two dimensional code payment will be pushed in a wider range.

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< p > < strong > this month, the national test water < /strong > /p >

< p > postal savings bank has quietly launched the two-dimensional code payment nationwide since the beginning of this month.

Yesterday, Nandu journalists obtained the news exclusively from the Guangdong branch of postal savings bank.

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< p > Li Zhuoyi told reporters in Nandu that at present, the two-dimensional code payment of the bank has only launched the telephone charging service, and the scanning code is mainly located at the postal savings bank and some propaganda folders.

Since this year, the controversial two-dimensional code payment has become the focus of all parties' scramble for layout because it is regarded as a closed loop of O 2O (online and a href= "http:// www.91se91.com/news/index_c.asp" > offline business < /a >).

This technology is based on the generation of two-dimensional codes through commodity pages or order information. Consumers can simply read the product information and generate orders for payment by simply scanning the code through the mobile phone.

No need to change the wallet, no need to change it for 5 seconds.

In the two-dimensional code market, Alipay and fortune paid the largest share of the third party payment in the market.

Since the end of last year, the two have relied on Alipay wallet and WeChat to prepay "a href=" http:// "www.91se91.com/news/index_c.asp" > O 2O < /a > market.

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< p > however, in March 14th of this year, the central bank suddenly issued urgent documents, and a paper stopped the face-to-face payment services such as bar code (Er Weima) < a href= "http:// www.91se91.com/news/index_c.asp" > payment "/a" and so on.

The central bank pointed out that the offline bar code (two-dimensional code) payment has broken through the traditional receiving terminal business mode. At present, the safety standards of the technology and terminal are not clear, and the security of the relevant payment matching verification method is still doubting.

According to the former Nandu journalists' investigation, although the payment of Alipay and WeChat did not completely suspend the two-dimensional code payment under the line, the related promotion work has been abandoned and pending the policy to restart the signal.

In the meantime, the UnionPay was redistributing the message of the two-dimensional code, but the UnionPay denied it in an interview with the Nandu reporters.

The UnionPay side said that the issue of security based on two-dimensional code payment has not yet been completely solved.

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< p > < strong > the key to restart: payment is completed in closed form < /strong > < /p >.

< p > just before the UnionPay denied the layout of the two-dimensional code, postal savings started to launch the two-dimensional code payment application nationwide in the beginning of this month.

For why the central bank has not officially restarted the two-dimensional code payment, the postal savings bank has pushed the two-dimensional code to pay. Li Zhuoyi told reporters in Nandu that although it seems that the two-dimensional code is used to scan the code payment, there is a very big difference between the two dimensional code payment of the postal savings and the third party payment that has been stopped before.

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< p > she pointed out that the biggest difference is that it is not open but closed, and every link is controlled in the postal savings system.

Among them, the payment link includes the generation of two-dimensional code, and the confirmation and payment of the scan code, which must be passed through the postal savings bank system.

This solves the biggest security problem that the central bank suspends the two-dimensional code payment.

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< p > according to its introduction, the two-dimensional code payment of postal savings, the production of two-dimensional codes of all goods are controlled by postal stores, and the two-dimensional code scanning of Alipay and WeChat can scan any two-dimensional code, and the two-dimensional code generated can be swept differently. The two-dimensional code of postal savings is exclusive to the postal savings bank, and the mobile client must be able to sweep the code effectively through postal savings.

"All information is controlled by banks, and banks control the entire paction process.

This two-dimensional code only sweeps a commodity information, will not sweep away the customer's account information, and will not be attacked by the outside.

This also means that banks will have deeper involvement and higher input costs.

Li Zhuoyi pointed out that all commodity information, paction information and fund information are closed in the firewall of postal savings bank.

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< p > at present, the payment of two-dimensional code by postal savings bank has been carried out by the third party security monitoring agency for external security attack monitoring, and all key certificates of electronic banking are certified by China Financial Certification Center.

Li Zhuoyi told reporters in the south, in the application of two-dimensional code payment promotion, since the beginning of the year, many online and offline businesses have been negotiating, and it is expected to take the lead in cooperation with the national large-scale online merchants.

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