In mid-December last year, the central bank suddenly issued a report requesting that the technical standards, operational procedures, risk prevention, and industry management of the QR code payment market be regulated from April 2018! Since the publication of this report, it has been criticized by netizens. Many people say that this is an open suppression of the QR code payment, because doing so makes the payment complicated, so is this really the case!
The formulation of the new regulations is mainly based on the restrictions imposed on some of the behaviors in the payment industry, which are divided into four categories. The D-class is the mainstream static two-dimensional code method on the market, which has dropped from the maximum limit of the previous binding bank card to a maximum of 500 yuan per day. The reason for this is that the central bank believes that its security is relatively insufficient, and it is positioned as a small, convenient payment. This means that after the implementation of the two documents on April 1 next year, consumers will not be able to pay more than 500 yuan of goods or services through the static QR code printed by the merchant.
A lot of complaints about this, but the limit of the QR code does not happen without warning! From the perspective of the development of the scanning code business, it was suspended in March 2014. In August last year, the Payment and Clearing Association issued a draft for comments to the member units, which was interpreted by the market as a two-dimensional code payment status. The introduction of the code specification has clearly defined the small amount of convenient payment positioning for scan code payment and the complementary role of diversified payment such as bank cards and mobile banking. The central bank has always had some unclear understanding of QR code payment. Now, in order to avoid security problems, this policy has been introduced!
With the change of people's payment habits, in addition to swiping credit cards, few people use pos machines again, but from the perspective of security, it is undoubtedly more advantageous to develop a longer pos machine. But I think if you can't better combine the bank card and the mobile phone, I think the spring of the POS machine is still in the foreseeable future!
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