Today's heavy news is that the central bank has stopped paying Ali Tencent QR code. The news said that on March 14, the central bank issued an urgent document "People's Bank Payment and Settlement Division on Suspension of Alipay's offline barcode (two-dimensional code) The letter of payment and other business opinions, called the virtual credit card products of Alipay and Tencent, and the face-to-face payment service such as bar code (two-dimensional code) payment.
According to reports, the central bank noticed that offline bar code (two-dimensional code) payment broke through the traditional terminal business model, and its risk control level is directly related to customer information security and capital security. Virtual credit cards have broken through the existing credit card business model, and further research is needed on the implementation of customer identification obligations and security of customer information. The central bank also requested in the notice to immediately suspend offline bar code (QR code) payment, virtual credit card related business, and take effective measures to ensure a smooth transition during the business suspension period.
What is the QR code payment and what is the operation process? QR code payment is a new generation wireless payment solution based on the account system. Under the payment plan, the merchant can compile the transaction information such as the account number and the commodity price into a two-dimensional code, and print it on various carriers such as newspapers, magazines, advertisements, books, and the like. The user can scan the QR code through the mobile phone client to realize the payment settlement with the merchant Alipay account. Finally, according to the user's receipt and contact information in the payment transaction information, the merchant can carry out the goods distribution and complete the transaction.
Some commentators believe that this approach is reminiscent of a new mobile payment method emerging in the United States. The mobile payment system called Square has a large number of commercial users in the United States. Their way is that store customers can attach a mini version of POS accessories to their iPhone 4 or Android phones, and customers can easily perform credit card swiping. Compared with the traditional POS cash register, this method has a great cost advantage and is suitable for small and medium-sized businesses. It only needs a very low cost to establish its own credit card swipe service.
For the central bank’s move, the outside world has a strong response. Some commentators believe that the central bank has stopped the virtual credit card because of the use of UnionPay cheese, WeChat credit card, Alipay face-to-face payment, two-dimensional code payment and other payment methods do not go through the UnionPay channel, which is equivalent to disrupting the previous UnionPay payment system, inconvenient to supervise, there are people It is blunt to point out that the emergence of virtual credit cards has opened up the entire process and touched the interests of certain institutions.
There are also comments that stopping the QR code payment is killing innovation. Finance commentator Yu Fenghui wrote that the central bank suddenly stopped calling QR code payment and virtual credit card. Is it because of security issues or the protection of the traditional bank's vested interests? As far as the security issue itself is concerned, the central bank clearly stated in the suspension that “further research is neededâ€. If you don't have "research" clearly, you will stop all the way. This is the killing of innovation, the protection of old-fashioned, and the embarrassment of the market economy.
He believes that the financial industry is mainly operating credit and risk. Credit and risk are the front and back of a coin. As long as you can manage your credit, it lays a solid foundation for preventing risks. Credit is the foundation and premise of financial security. The credit control of Ali Tencent Internet Finance Development Client will be more comprehensive and accurate, and the risk exposure is very small. Being able to understand the customer's dynamic credit status, this credit status is the most authentic, timely and specific. CITIC Bank investigates the static situation of customers' salary income and family economic status. This combination is something that traditional banks can't do in any way. As for the offline purchase business of scanning QR codes and other user security issues, Alipay said that each transaction of barcode payment has only one exclusive barcode. After the transaction is completed, it will be automatically updated next time, and the generated barcode will be 60 seconds. No transaction within it will automatically expire. In the event that the user's Alipay account is stolen, the full compensation will be obtained upon verification.
Therefore, the person questioned that the central bank suddenly stopped calling the QR code payment and the virtual credit card. Is it because the security issue still protects the vested interests of the traditional bank? As far as the security issue itself is concerned, the central bank clearly stated in the suspension that “further research is neededâ€. If you don't have "research" clearly, you will stop all the way. This is the killing of innovation, the protection of old-fashioned, and the embarrassment of the market economy.
Whether the central bank’s move is stifling financial innovation, everyone can refer to Li Keqiang’s answer to the reporter’s question. We have to let the market body “do not prohibit the law†and let the government departments “the law is not authorized.†Maybe you can understand a few points.
Ergonomic Reading Table And Chair
Children`s about desk and chair set is fixtures for kids aged 3-18 to examine to write homework. The desk has a giant storage space. The desk board is made of strong timber core material. The desk board can be adjusted, and the desk legs can be raised and reduced to meet a range of requirements. Children of top can write homework and draw pictures; the learn about chair is an ergonomic chair that can be adjusted to shield the kid's spine. The cushion is latex, which is very cosy and will now not be tired, so that teenagers can learn about healthful and happy.
Ergonomic Reading Table And Chair,Ergonomic Study Desk For Chairs,Ergonomic Computer Chairs,Custom Kids Study Chairs
Igrow Technology Co.,LTD , https://www.szstudydesk.com