sweep yards payment, will officially usher in the limit. The central bank's official website yesterday issued the notice of the people's Bank of China on Issuing <, bar code payment business standard (Trial) >, supporting the issuance of relevant technical specifications, and managing from multiple angles, such as quota and risk prevention.
divide the four level by risk, and the minimum day limit is 500
new regulations that banks and Payment institutions should be based on the "barcode payment security technical specification (Trial)" (silver Ban Fa 2017 No. 242) on the classification ability of risk prevention, the individual customer barcode payment business quota management.
specifically: the ability to prevent risks is at a level, that is, the two categories or more effective elements, including digital certificates or electronic signatures, can be used to verify transactions. It can independently agree on a single day cumulative limit with customers through agreements.
risk prevention capabilities to achieve the B level, which does not include using digital certificate, electronic signature, two (inclusive) above the effective elements of the transaction verification, the same customer individual bank account or payment account daily cumulative transaction amount should not exceed 5000 yuan.
risk prevention ability reaches C level, that is, it uses less than two elements to verify transactions. The cumulative transaction amount of a single customer account or payment account shall not exceed 1000 yuan per day.
risk prevention ability reaches D level, that is, using static barcode, the total transaction amount of a single customer account or all payment account of a single customer should not exceed 500 yuan.
static bar code is now considered to be one of the most risky areas of payment. In addition to the quota management, the new regulations also put forward a series of preventive measures of risk include: static barcode bar code should be static server encryption requirements static barcode generation, display medium should be placed in the merchant cashier in sight, businesses should regularly check, medium static barcode with protective cover physical protection means to avoid being covered or replace.
this specification divides barcode payment into payment scavenging and receivable scavenging. "Payment scan code" refers to the payer by mobile phone, Pad and other mobile terminal to read the payee display bar code to complete the payment behavior, the user is active scan code payment, commonly known as the "main sweep"; "payment scan code" refers to the recipient mobile terminal display by reading the complete collection of the bar code on the user behavior. Passive scan code payment, commonly known as "swept".
China Cass financial payment research center researcher Zhao Yao believes that the pilot application in earlier, barcode payment risk and user financial losses occurred in the "sweep", especially "sweep" static bar code, the "norm" to limit the amount of static scan code banks and Payment institutions and constraint payment scan code service specific behavior and risk control measures and ask them to provide customers damaged the interests of settlement mechanism specific terms, and actively guide the payer "sweep" through the security encryption and set the validity period (usually a one-time dynamic bar code, bar code) will be a large amount of money collection behavior merchants also guide to "be swept up".
Zhao Yao believes that the "specification" is a "driver's license" for barcode payment. The new regulations of the central bank allow barcode payment to bid farewell to "unlicensed driving" and "dangerous driving".
security risk considerations, two-dimensional code payment was suspended from
barcode payment experience ": in 2011, the central bank agreed to striking one snag after another" part of the non bank payment institutions (hereinafter referred to as payment institutions) in the limited scene in the pilot barcode payment services, and puts forward the requirements of strict risk management. In 2014, before establishing an effective security measures, unified business rules and consumer rights protection system under the background of partial payment institutions continued to take subsidies widely barcode payment services, the people's Bank to suspend the line barcode payment services to its supervision
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