近日,支付清算协会向支付机构下发《条码支付业务规范》(征求意见稿),意见稿中明确指出支付机构开展条码业务需要遵循的安全标准。这是央行在2017年叫停二维码支付以后首次官方承认二维码支付地位。
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In accordance with the Chinese central bank's requirement, the Payment and Clearing Association of China has issued a draft rule to regulate QR code payment business, setting security standards that institutions must follow.
支付清算协会根据央行要求发布条码支付业务规范,明确规定了支付机构必须遵循的安全标准。
QR code 全称为Quick Response code(快速回应码),二维码(two-dimensional code)和矩阵条形码(matrix barcode)都属于QR code。这种快速回应码最初由日本丰田公司开发用于汽车产品的信息存储和追踪,后来因为其读取快(fast readability)和存储容量大(large storage capacity)的特点而被广泛应用于其他行业。
2017年3月,因客户信息和资金安全性存疑,央行曾发函叫停支付宝和腾讯的虚拟信用卡(virtual credit card)产品,同时叫停条码(二维码)支付等面对面支付服务。
近年来,随着支付宝和微信付款的普及,二维码支付已经被大家广泛接受,甚至连街边的水果摊也可以用二维码支付买单,极大方便了人们的生活。
此次发布的征求意见稿规定,会员单位应根据交易验证方式的安全级别及《条码支付技术安全指引》关于风险防范能力的分级,对个人客户条码支付业务的交易进行限额管理(risk controls and security management through transaction quota management)。支付机构应通过设置条码使用效期、使用次数等方式,确保条码有效性和真实性,防止条码被重复使用、重复扣款。条码信息不应包含任何与客户及其账户相关的敏感信息,仅限包含当次支付相关信息(payment-related information)。
我们平时消费时常用的支付方式有现金支付(cash payment)和非现金支付(non-cash payment),而非现金支付又分为银行卡支付(bankcard payment)、电子银行支付(e-bank payment),以及移动支付(mobile payment)三种。其中,移动支付就包括支付宝、微信付款等扫码支付方式。
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