WeChat connects people to people. The merchant wants to connect with people in WeChat through the service number, and WeChat pays the connection between people and goods through online links or QR codes.
The QR code is just the carrier of the information, but it can be used as a jump link from the line to the line. It simplifies the cumbersome process of requiring online entry of merchant accounts when paying, and allows offline transactions that are not on the network to be moved online. It can be a movie ticket, the withdrawal certificate of the ticket; it can also be any merchant or even individual, the carrier and credentials for the offline transaction collection; in addition, it can bypass the UnionPay payment and credit card, directly in the convenience store, public The service and chain stores complete the transaction of the QR code.
Before WeChat made the QR code under the line, its conflict with Alipay was not as arrogant as it is now. There are Alipays accumulated by billions of users online, and the family is rich. Online transfer, third-party payment merchant access, and overseas payment agents, weak WeChat payment in the online market is difficult to shake the foundation of Alipay. The offline transaction of WeChat combined with QR code is an opportunity for Tencent to counterfeit Alipay online.
Of course, the QR code service that is stopped by CCTV will not only affect WeChat, but also impact Alipay's offline business.
An industry insider told PingWest that the most important part of the payment is the user experience, high reliability and security. The two-dimensional code in these three aspects of performance, can not replace the current offline payment means on a large scale. In terms of user experience, in the process of two-dimensional code payment, the user needs to go through multiple operations such as "unlock - open application - open scan code - enter password and amount - confirm transaction", which is much more troublesome than cash and credit card. Traditional financial banks also value the user experience in the payment process, which is why some banks are eager to push the QuickPass flash payment function, which can realize offline transactions and contactless transactions without passwords and signatures.
Unsafe is the main reason why the central bank stops calling the QR code. For some non-technical users, it is impossible to identify the damage of phishing websites and some malicious QR codes. It is necessary to introduce more standardized technical means and unified security protection measures to avoid transaction risks.
In addition, the current micro POS machine can not achieve high reliability, I am not referring to security and reliability, but service reliability. In addition to the stable POS connection of the mall's POS machine, the user's mobile device also needs to remain online at any time during the transaction process. During the entire transaction, there are multiple URL link jumps—two-dimensional generation from the merchant's server. Code, the user scan code jumps to the WeChat server, the transaction is successful, and then returns to the merchant's pos machine, there is also the verification of the payment amount between WeChat and the user.
The online process of the entire payment is long, and the number of jumps is large, and for each additional jump, the error handling for payment will increase exponentially. In some special circumstances, there is no effective response mechanism. For example, in the event of a mishandling of the salesperson and a POS unilateral account (when the bill has been sent, the money has not been received), the process of withdrawing the order will be very troublesome or even impossible. Cancelled. Compared with the bank's POS machine, reliability can not be guaranteed, which in turn affects user trust and experience.
In the long period of time in the future, bank cards, cash, NFC, QuickPass or QR code payment, who can not replace who, the QR code is not the immature mobile payment market, the best ideal solution. The central bank policy only suspends the payment of the two-dimensional code, but after the "security robbery", the two-dimensional code payment must further overcome the user experience and reliability issues, in order to go further.
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