After being suspended by the central bank in mid-March, the QR code payment was once again evaluated by the central bank as being unable to be promoted as a credible payment method. The insiders told the "Golden Securities" reporter that the central bank does not mean to kill the QR code by a stick, but to consider the security risks and temporarily "lock up" the QR code payment. After the standard is determined and the supervision is in place, the QR code payment will be released again. The person also speculated that the payment of the two-dimensional code may be suspended or the NFC (near-field payment) advocated by UnionPay has a benefit game relationship, and the two-dimensional code payment forbidden period will provide a catch-up window for the promotion of NFC.
Main push NFC
On April 22, at the 6th China Mobile Payment Industry Forum, Li Xiaofeng, director of the Office of the Leading Group of the Financial IC Card of the People's Bank of China, said that the central bank treats the electronic payment route equally, but includes some QR code payment methods used in taxi software. Without password authentication, it cannot be widely promoted as a credible payment method. Seeing this news, Smart Mobile CEO Wang Pengfei sighed to the reporter of "Golden Securities": "(The central bank) still wants to push NFC!"
As early as March 14, when the central bank urgently suspended the two-dimensional code payment service of third-party payment institutions such as Baochao Futong, Wang Pengfei once said that once the two-dimensional code payment became popular, the people who used the UnionPay POS machine to swipe the card would come. The less. UnionPay needs to race against time, because the use of NFC is more difficult to cultivate, it is estimated that it will take two years, and the two-dimensional code payment may have gone farther in the past two years.
In the same forum, Zheng Xiangqi, deputy general manager of Feitian Integrity Technology Co., Ltd., showed with his own experience that the taxi driver is also worried about the payment security of the taxi software, and the money in the account is removed every two days. Weibo, the senior operation manager of Alibaba Cloud Computing, commented on this: "As an old security person, Feitiancheng has been in contact for more than 10 years ago. Now it is disappointing. It is estimated that the driver should be a security consultant now. As a security. People do not popularize security, but instead start!" Just two weeks ago, Hu Xiaoming, vice president and chief risk officer of Ali Microfinance Group, revealed that Ali is currently developing and improving the QR code payment standard under the leadership of the central bank.
Security issues are the key to controversy
The security issue of QR code payment is a key point of dispute. Jiang Haijun, deputy general manager of China UnionPay Mobile Payments Department, said that NFC near-field payment is based on physical carrier and has hardware encryption, which is safer than software-generated QR code.
Miao Tao, the founder of the two-dimensional code industry entrepreneur Miao Tao, said to the reporter of "Golden Securities" that many people think that hardware security is better than software security, but this is not necessarily the case. Taking the lock car as an example, although the remote control electronic lock may be copied by criminals, there is a safety hazard, but it cannot be considered that its safety performance is lower than that of the iron chain. He said that from the perspective of payment principle, NFC and QR code payment are the same, but the technology is different. However, Alipay wins at a low cost and is easy to use, and NFC also needs to install a chip, which requires high hardware. However, he also acknowledged that the security system for QR code payment is still in need of improvement. With industry standards, it is possible to reduce risks after good supervision. He also reminded users to select the coding platform, and do not scan the QR code of the roadside channel.
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