QR paid legal identity: micro-credit, PayPal straight from the waist "war" Cup-app, PayPal, QR-IT information

Following the network about legalization, bar code (QR code) paid to become the next open window policy.

On August 3, the China Association of payment and clearing has been paid to the paying agencies issued the bar code business practice (draft for soliciting opinions), establishes the relevant safety standards and risk management systems. Official Edition was launched, the current bar code standard would be unified, relating to personal information protection, security, encryption, sensitive information and other details.

Communications, line barcode payment has the advantages of low barriers to entry, convenient, applies to the traditional POS cash register daily small purchases of cost-sensitive small traders, located in the traditional offline bank card payment supplement.

Details released, which also will be in accordance with the above standards-setting the QR payment standards and business practices. ICBC currently has the QR payment products to market, became the first commercial bank to have QR payment products.

End of July, the media exposure of China's Central Bank payment and settlement Division issued on bar code (QR code) inform you of the regulatory principles and requirements to pay. A month ago, Member of China Association of payment and clearing organizations parts body held a special meeting on the related standards for pre-barcode payment information ready.

All the signs indicate that, had been blocked by the Central Bank of China QR payment will get official recognition.

In March 2014, China's Central Bank has issued two "urgent documents", stop third-party payment company's bar code (QR code) payments. Because at the time of the market environment, the QR payment of security hasn't been verified. People not familiar with bar code (QR code) will be paid to how industry crisis.

Two-dimensional code Bank of payment can be seen as one way of acquiring, active two scan codes and the passive scan codes, greatest threat to security in its timeliness. During the period of QR, prone to hotlinking threats and Trojans implantation, to steal user information, deductions. China Central Bank to remind users QR payment screenshot not to share with others.

In this regard, the rules of the payment and settlement Division Deputy Director Zhou Jinhuang external to respond that "China's Central Bank, a move to standardize related business development and the protection of consumers ' rights and interests, rather than for a business, is the ' suspend ' rather than on market rumors of ' stop '. ”

This also means that barcode payment though has been in development, but in a "grey area". Apart from third parties payment agencies, banks, Union and other institutions generally give up a barcode payment in favour of NFC payment directions. In February 2016, Apple Pay in Union and joint promotion of Apple, officially lands in the Chinese market.

After two years of market education, code payment security sweep had been recognized, third party payment has become a mainstream payment methods on the market. According to the iResearch data for June, the first quarter of 2016, China third-party mobile payment transaction volume had reached 6,201,130,000,000 yuan, compared with growth of 202.6% per cent growth of 33.4%.

With the introduction of the draft and the perfection of the regulatory framework. China's Central Bank finally pay the company back down, confirmed the value of QR payment.

Ma Tao, senior analyst at Analysys International financial centre when journalists accept interface says "QR code opinions issued to pay is actually acknowledged and defined the terms of reference. The whole industry, it security and risk management will have an upgrade. This is a good thing, QR cannot at least grey. Regulatory economics, good development of the industry. ”

Liu chunquan, Deputy Director of the China Electronic Commerce Association Legal Committee lawyers to screen journalists expressed a similar view. In his view, paid QR banned under technological uncertainty product of regulation now open, good for the industry as a whole.

Once the call for comments stage ended with Alipay, micro QR code, represented payments and representatives of China UnionPay, Apple Pay for NFC payments, or will start a new round of market and spoiled. Next, under the ICBC's role model, there will be more banks try to QR payment products.

In July of new launches Shang, ICBC related head think, according to abroad II dimension code market development view, II dimension code for layout O2O has important meaning, from paid of smooth sex and the promotion angle,, to far is better than previously market is implementation of NFC paid, technology Shang also than currently part institutions is attempts to of Sonic paid, and Bluetooth paid, and photon paid, and fingerprint paid, and IRIS paid, technology more mature.

However, according to the Thompson advisory issued by 2015 research report on China third party mobile payment market, in 2015, the third-party mobile payment transaction size in market share, PayPal to 72.9% share topped money (micro + Q) with 17.4% second. QR code already accounted for 90% per cent of the market share.

In the Bank's electronic payment service, mobile payment percentage is not high. According to China's Central Bank, issued by the first quarter of 2016 run payment system overall, according to the first quarter, banking institutions handled electronic payments 793.97 trillion yuan. 5.615 billion mobile payment, amount of 52.13 trillion yuan.

These data show that the new rules on the industry changes may not serious. PayPal interface reporters in China consumption upgrading stage, QR code to pay "open" institutions, users and businesses such as market participants have unleashed energy, good for offline business promotion.

二维码支付获合法身份：微信、支付宝直起腰板“战”银联 - 微信,支付宝,二维码 - IT资讯

继网约车合法化后，条码（二维码）支付成为下一个政策开放的窗口。

8月3日，中国支付清算协会已向支付机构下发《条码支付业务规范》（征求意见稿），确立了相关的安全标准和风险管理制度。待正式稿出台后，将统一目前条码支付标准，涉及个人信息保护、资金安全、加密措施、敏感信息存储等细节。

函件称，线下条码支付具有进入门槛低、便捷等特点，适用于对传统POS收银成本敏感的小商户的日常小额交易，定位于传统线下银行卡支付的有益补充。

细节出台后，银联也将按照上述标准制定自己的二维码支付标准与业务规范。目前工行已经有二维码支付的产品面市，成为国内首家拥有二维码支付产品的商业银行。

7月底，媒体刚曝光中国中央银行支付结算司下发关于条码（二维码）支付监管原则及要求的告知函。一个月前，中国支付清算协会曾组织部分会员机构召开专题会议，对条码支付业务相关标准进行前期资料准备。

种种迹象表明，曾被中国中央银行封杀的二维码支付将重新获得官方认可。

2014年3月，中国中央银行曾下发两份“特急文件”，叫停第三方支付公司的条码（二维码）支付业务。原因是在当时的市场环境下，二维码支付安全性还没有经过验证。人们并不熟悉条码（二维码）将给支付行业带来怎样的危机。

二维码支付可以看做银行收单的方式之一，分为主动扫码和被动扫码两种，最大的威胁安全来自于它的时效性。在二维码有效期内，容易发生盗链和木马植入的威胁，盗取用户信息、产生扣费行为。中国中央银行提醒用户，二维码支付截图不要随意分享给他人。

对此，中国人民银行支付结算司副司长周金黄曾对外作出回应称，“中国中央银行此举意在规范相关业务发展和保护消费者权益，而并非针对某家企业，是‘暂停’而不是市场传言的‘叫停’。”

这也意味着，条码支付虽然一直都在发展，但处于一种“灰色地带”。除第三方支付机构外，银行、银联等机构普遍放弃了条码支付方式，转而选择NFC支付方向。2016年2月，Apple Pay在银联和苹果公司的共同推动下，正式登陆中国市场。

经过两年的市场教育，扫码支付的安全性已经获得了认可，第三方支付也成为了市场上主流的支付方式。根据艾瑞咨询6月份数据，2016年第一季度，中国第三方移动支付交易规模已达到62011.3亿元，同比增速202.6%，环比增速33.4%。

随着《意见稿》出台和监管细则的完善。中国中央银行终于在支付公司的反推下，肯定了二维码支付的价值。

易观国际金融中心高级分析师马韬在接受界面新闻记者采访时称，“二维码支付意见稿出台实际上是肯定并明确了权责范围。对整个行业来讲，其安全和风险管理都会有一个提升。这是件好事儿，至少二维码支付不属于灰色地带了。法规明晰后，行业才好发展。”

中国电子商务协会政策法律委员会副主任刘春泉律师也向界面新闻记者表达了类似观点。他认为，支付二维码被禁属于技术不确定下的产物，现在监管开放，对整个行业发展有利。

一旦意见征集阶段结束，以支付宝、微信为代表的二维码支付和以银联、Apple Pay为代表的NFC支付，或又将开始新一轮市场抢夺。未来，在工行的示范作用下，将有更多的银行开始尝试二维码支付产品。

在7月的新品发布会上，工行相关负责人认为，根据国外二维码市场发展来看，二维码对于布局O2O具有重要意义，从支付的流畅性及推广角度而言，要远胜于此前市场正在推行的NFC支付，技术上也比目前部分机构正在尝试的声波支付、蓝牙支付、光子支付、指纹支付、虹膜支付等技术更加成熟。

不过，据比达咨询发布的《2015年度中国第三方移动支付市场研究报告》，在2015年第三方移动支付交易规模市场份额中，支付宝以72.9%的份额居首，财付通（微信+手Q）以17.4%位居第二。二维码支付已经占据了90%以上的市场份额。

在银行的电子支付业务中，移动支付业务占比并不高。根据中国中央银行发布的《2016年一季度支付体系运行总体情况》显示，第一季度，银行业金融机构共处理电子支付金额793.97万亿元。其中移动支付业务56.15亿笔，金额52.13万亿元。

这两份的数据表明，新规对行业格局改变或许并没有想象中严重。支付宝方面对界面新闻记者表示，在中国消费升级的阶段，二维码支付“开闸”让机构、用户和商家等市场参与方都释放出了活力，有益于线下商业升级。