“Since March 1, 2022, the personal reception code is banned in business services "and" prohibiting personal static receiving barcodes are used for remote non-face-to-face collection "recently brush network.The reporter learned that this news is from the new notice of barcode payment supervision in the near future.
In the daily life of consumers, the payment method such as scanning code payment is not seen, and such behavior will be included in supervision. On October 13, 201, the central bank official website released the "People's Bank of China on Strengthening Payment Acceptance Terminal and Related Business Management", from payment acceptance terminal business management, special merchant management, acquisition business monitoring Three aspects started, and a series of management requirements were put forward on the subscriber and clearing structure. at the same time,Barcode payments are also included in the supervision, making specific regulations for the use of personal receivables barcodes, and will be implemented on March 1, 2022.。
The person in charge of the central bank's relevant departments said that in recent years, the personal receipt bar code has been widely used, and has improved the efficiency of funds, but there are some risk hazards. If some criminals use the "running platform", attracting a large number of people with high-income, using personal static receiving barcodes and gamblers "point-to-point" online remote transfer gambling, and split gambling is hidden in many normal trading scenes. In order to better exhibit the popularity, convenience, "Notice" proposes some targeted requirements for the premise of preventing risks.
Among them, the "Notice" has been described on the collection barcode management. For the payment of individual or special merchants, the payer is used to read and launch the payment bar code, which should be effectively distinguished from personal and special merchants. Scenery and use of the model, the prevention barcode is leased, borrowed, sold or used for illegal violations.For individuals with obvious business activities, bar code payment receiving service institutions must not provide operational activities related to payment services.
"Notice" also explained the remote non-faceted face collection. Barcode payment payment service organizations should take effective measures to prohibit personal static receiving barcodes for remote non-face collection. For personal dynamic receiving barcodes saved by screen capture, download, etc., refer to the implementation of the personal static receiving barcode. "Incorporate barcode payment into supervision, compensate for a lot of barcode payment channel vulnerabilities that may be carried out prior to use." Bo Tong Consulted Chief Analyst Wang Pengbo analysis, especially for personal collection code, "Notice" requirements will effectively avoid Personal collection code channels are utilized by trading platforms.
"Notice" What is the impact on consumers and small micro commercial users?
The relevant person in charge of the central bank said the "Notice" generally helps to better protect the legitimate rights and interests of consumers, and help the lawless elements through the transformation of payment accepting terminals, apply for false merchants and other means to steal personal information, and even steal account funds. It is conducive to the promotion of the quality of the bank, payment agency, the transaction information inquiry, etc. Quality of Laboats for personal operators and small micro commercial households.