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Status and Development of Two - dimensional Code Recognition and Payment Technology
Status and Development of Two - dimensional Code Recognition and Payment Technology
Status and Development of Two - dimensional Code Recognition and Payment Technology.
First, the basic concept of two-dimensional code
When we buy goods in the mall, we often see that there will be a bar code on the product's bag, which is called a one-dimensional code. One-dimensional code since its inception, has been widely used in commercial, industrial, financial, medical and post and telecommunications and other fields. Since the information capacity of the one-dimensional code is very small, such as the bar code on the commodity can only accommodate 13 digits of the Arabic numerals, so the scope of use has been limited. It is for this reason that people are eager to invent a new bar code, in addition to one-dimensional code easy to make, the advantages of low cost, but also need to have information capacity, high reliability, security and other advantages of security and other advantages The In order to meet this demand, Symbol Technologies, Inc., after several years of efforts, launched a two-dimensional bar code called PDF417 in 1992, and the two-dimensional code was announced.
The following are the same as the "
Two-dimensional code is used in the plane distribution of black and white geometric figures, according to a certain law to record the data symbol information. In the process of encoding, the computer binary code "0", "1" concept, the use of a number of binary corresponding to the geometric shape to represent the text of the numerical information, and then through the photoelectric scanning device or graphical input device to identify the information to To achieve the process of automatic processing of information.
Since the birth of the two-dimensional code, the current global existence of more than 250 kinds of two-dimensional code standards, more common QR code, DM code, GM code and CM code. Among them, the international mainstream standards are QR code and DM code as the representative. QR code is the mainstream of Japan's mobile phone two-dimensional code technology standards, in addition to reading speed, data density, take up the advantages of small space, but also efficient representation of Chinese characters. DM code is the mainstream of South Korea's mobile phone two-dimensional code technology standards. It uses a complex error correction code technology, so the coding error correction capability is relatively strong. Domestic two-dimensional code standards are GM and CM standards as the representative. These two standards are China's Ministry of Industry in May 2006 promulgated two domestic industry recommended standards. GM code can store a certain amount of data and provide more user-selectable error correction level; CM code can be faster to complete the two-dimensional bar code image recognition and processing.
Figure 1 QR standard two-dimensional code examples
Second, two-dimensional code to pay the past lives
Two-dimensional code payment is officially introduced by the Alipay into the Chinese market. In 2011, Alipay because of the existence of Taobao, has occupied the domestic online network payment market, the vast majority of market share, while the domestic line to pay the market is mainly identified by the Union Bank bank card. According to the central bank, offline bank card spending must be through CUP, this tripartite interaction mode and non-bank payment agencies tripartite interaction model is completely different. Alipay in order to expand the line to pay the business, constantly in the line of business thinking, and a variety of payment media to try. And then the two-dimensional code in the international community is no longer a strange thing, in many scenes have been applied, such as Japan, South Korea and other two-dimensional code using more mature areas, in the bus, subway station virtual shopping malls, has been through Two-dimensional code to achieve payment payment. In this environment, Alipay in July 1, 2011, the official launch of the mobile APP two-dimensional code payment business, to enter the domestic line to pay the market.
Two-dimensional code payment compared with the traditional bank card payment, has the following advantages: First, easy to carry. Users only need a cell phone can complete the entire payment process, to avoid the daily need to carry more than one card trouble; the second is simple to operate. Users only need to take out the phone, complete the corresponding operation, to avoid the dig card, find cards and other complex process. Third, reduce the cost of business. Traditional POS subscribers need to pay a POS deposit in order to support credit card payments. And the two-dimensional code to pay only need a business phone to load a mobile phone APP and print a two-dimensional code, you can complete the entire payment process, the cost relative to the credit card to pay greatly reduced.
From the specific time point of view, Alipay select this time node to launch two-dimensional code to pay into the line under the market is also very appropriate. On the one hand because the smart phone and 3G, 4G wireless network has begun to spread, for the two-dimensional code to pay the necessary hardware environment. On the other hand is due to the development of Taobao, Alipay APP client already has a large number of users and users in the product experience and marketing, and so accumulated a wealth of experience.
With the development of two-dimensional code business, Alipay line of users and the number of merchants gradually increased. Other payment agencies to see Alipay's successful experience, but also gradually follow up, an increase of two-dimensional code related applications. August 5, 2013, Tencent officially released WeChat version 5.0, opened the WeChat two-dimensional code payment model.
As the payment agency's two-dimensional code payment fundamentally bypassed the UnionPay, the rapid occupation of the market under the line, making the UnionPay's offline market suffered a great threat. In addition, the two-dimensional code payment as a new way of payment, its technical and security did not establish the corresponding detection standards, so the central bank in March 2014 to pay the company issued an emergency file "People's Bank of China Payment and Payment Department on the suspension of payment Company line bar code (two-dimensional code) to pay the letter of business advice, "prohibits the payment of the two-dimensional code line payment activities.
Three, two-dimensional code to pay this life
Although the central bank banned the line-based payment based on two-dimensional code, but because of the market to pay the market has a huge attraction, Alipay and other institutions did not stop for the offline payment market to explore the two-dimensional code to continue to pay the technical model and Security improvements, and ongoing business attempts.
In the continuous efforts of the payment agencies, with the two-dimensional code technology continues to improve, two-dimensional code finally won the central bank's recognition. On August 3, 2016, the Payment and Clearing Association issued a "bar code payment business specification" (draft) for the payment agency, which was the first official recognition of the two-dimensional code payment status after the central bank stopped in 2014. The bar code payment service specification (draft) focuses on the security of two-dimensional code payment, which includes information transmission standard, payment markup technology application, two-dimensional code timeliness, transaction quota, Transaction verification and so on. "Bar code payment business practices" (draft) will be limited to two-dimensional code payment in the daily small trading scene, located in the traditional line of bank card payment of useful supplement.
In the two-dimensional code to get the approval of the central bank, the two-dimensional code payment has been rapid development, and now has become a line pay market is very common payment model. The existing two-dimensional code payment product model can be divided into two categories, one is the user and business interaction mode, the other is the interaction between users and users model. Among them, the interaction between the user and the business model can be divided into two categories, one is the user main scan mode, one is the user was sweep mode. The specific discussion is as follows:
(A) user and business interaction mode
1, the user main scan mode
User main scan mode refers to the payment side (user) to open the mobile phone APP (such as Alipay, micro letter, etc.) scan business two-dimensional code payment mode. In this mode, the two-dimensional code information is usually displayed in the merchant POS terminal or directly printed on paper, the information mainly includes the merchant logo and so on. Specific transaction process shown in Figure 2.
Figure 2 user main scan mode transaction process
2, the user was swept mode
The user is sweep mode is the line under the business through the scanning gun or other bar code reading device to scan the user's mobile phone APP on the two-dimensional code payment mode. In this mode, the two-dimensional code mainly contains the user's account information and other related information. The transaction flow shown in Figure 3.
Figure 3 The user is swept through the process
User main sweep mode compared with the user passive mode, its advantages can be mainly to reduce the cost of business, the shortcomings are obvious, that is, two-dimensional code is easy to be forged. The advantages of the sweep mode are mainly include: First, reduce the payment of two-dimensional code is malicious tampering possible, better protection of personal information; Second, to support the payment of offline transactions, the user even if the network is not connected to the case You can open the APP shows the payment code, provided to merchants to complete the transaction, more convenient, the disadvantage is the need for scanning guns or smart POS scanning equipment, businesses need to bear a certain cost.
(B) user and user interaction mode
The user-user interaction mode mainly refers to the transfer business between the user and the user. The transaction flow shown in Figure 4
Figure 4 User-user interaction mode
With the two-dimensional code market continues to expand, two-dimensional code to pay the form of business, there have been many new trends, as follows:
(A) based on the two-dimensional code of the polymerization payment
Recently, with the Alipay, WeChat payment and other two-dimensional code application popularity, and the birth of a new payment model aggregation payment, that is, can support a variety of payment agency channel product model. Two-dimensional code aggregation payment can also be divided into two modes, namely the user main scan mode and user scan mode.
1, the user main scan mode
Based on the user's main scan of the aggregation payment model is a business only need to lay a two-dimensional code, you can also support Alipay, WeChat and other payment methods. The principle of this model is as follows: Aggregate payment of the two-dimensional code contains information is a network link, the network link to the aggregation of the payment agency backstage system, a service program, the user is scanning a two-dimensional code with the phone, the mobile phone software Will automatically jump to the aggregation of payment agencies backstage system related procedures, due to jump when the network transmission information will carry information about mobile phone APP, so the server background will determine the mobile phone APP information, and then jump to different payment channels The payment page, complete the corresponding payment process.
2, the user was swept mode
Users are swept based on intelligent POS or related scanning equipment, that is, in the intelligent POS or other scanning devices integrated in a variety of payment channel identification. Before the payment, the cashier needs to choose the payment channel, and then through the smart POS and other scanning equipment on the user's mobile phone to pay APP two-dimensional code to scan, and then the corresponding information transmission to the appropriate payment channels to complete the entire payment process.
(2) UnionPay launched two-dimensional code standards
Two-dimensional code to pay the application of online, for the CUP market caused a great impact, UnionPay in order to consolidate their market, also launched the "China UnionPay two-dimensional code payment security" and "China UnionPay two-dimensional code payment application specification ", For its member institutions to establish a unified standard to achieve the bank and non-bank payment agencies interoperability between.
In addition to norms, UnionPay launched the corresponding product program. Between individuals and individuals, between individuals and businesses, as well as between businesses and businesses between the funds to provide a corresponding solution. For each solution, CUP's product solutions also provide two different product models, namely "mobile application front" mode and "bank card front" mode. The difference between the two modes is that the deduction behavior of the "mobile application front" mode is initiated by the payer itself, processed by the CUP before processing, and the "bank card front" mode is the payment direction to send the payment request to CUP , And then forwarded by the CUP to the issuing bank, the transaction results are first returned to UnionPay, then the results will be returned by the UnionPay party.
At present, there are already a number of institutions APP has supported the CUP standard, such as CCB, Bank of Communications, Minsheng Bank, China Merchants Bank (Pocket Life), Huaxia credit card.
(3) mutual recognition of payment agencies and banks
Due to the expanding market in the market, the banking institutions began to cooperate with the payment agencies in order to keep the quality of the business under the line. March 2017, Alipay and CCB announced a strategic cooperation, one of the most important thing is the two-dimensional code scanning mutual recognition. In April 2017, ICBC announced that its upcoming e-ICBC products will support WeChat, CUP and other non-bank payment agencies to pay two-dimensional code.
As the specific product program has not been open, so now can think of the simplest mode of cooperation, is similar to the mode of polymerization payment, that is, the payment agency APP can accept the bank business two-dimensional code, the same bank APP can also accept payment The two-dimensional code of the business line.
Through this mode of cooperation, for banks, its advantages include: First, to maintain high-quality business resources. Second, the number of bank APP users may increase. The disadvantage to the bank is mainly the corresponding transaction information obtained by the payment agency. For the payment agency, its advantages include: First, effectively increase the payment agency APP offline application scenarios; Second, access to the corresponding transaction information, can provide businesses with the corresponding value-added services.
(D) two-dimensional code off-line payment
The traditional two-dimensional code payment is online payment, which users main sweep mode, the need for the user's mobile phone network is connected. Users are sweep mode, you need to connect the business network is connected, but in the actual application environment, due to the actual environmental reasons, such as public transport applications, can not guarantee the quality of network communications. In response to this situation, many institutions, such as Ling Nantong, launched an off-line payment solution based on two-dimensional code.
Lingnan pass two-dimensional code program has the following characteristics: First of all, the program uses a credit payment system, mobile phones and terminals can be two-way off-line. Terminal using offline mode, the terminal quasi-real-time to the background to send consumer bills to ensure that the business of funds security. Second, the system of the program trading time is very short, a single transaction time in principle no more than 1 second. Again, the product platform for the product program is fully open, access to banks and non-bank payment and other payment channels and credit providers. Finally, the program's two-dimensional code using dynamic encryption technology, each two-dimensional code automatically updated once a minute, while supporting real-time reporting, help to protect the safety of consumers.
The two-dimensional code of the off-line payment solution to the two-dimensional code application scene has been further broadened, can be applied in the network signal poor payment scene.
Four, two-dimensional code to pay the future
Two-dimensional code is currently in the payment market has occupied an important position for the future of two-dimensional code will have the following outlook.
(A) the application of two-dimensional code will be more and more widely
With the increasing popularity of two-dimensional code applications, in addition to payment applications, in other areas have also been fully applied, such as coupons, e-ticketing. In addition, with the application of two-dimensional code more and more widely, users of the use of two-dimensional code will become more and more skilled, the number of users will be more and more, which will further promote the development of two-dimensional code payment.
(B) the standardization and standardization of two-dimensional code
Is currently being established in the network is also the development of two-dimensional code of the corresponding norms, so the future standardization of two-dimensional code and standardization is also a big surprise.
(C) the internationalization of two-dimensional code payment
Alipay in 2016 has been through the German payment service provider Concardis cooperation, to achieve in the famous German watch and jewelry brand Wempe Germany Frankfurt, Hamburg and Cologne and other places of the store to pay two-dimensional code. In addition, May 9, 2017, CUP International and international card brand VISA, MasterCard announced in Bangkok, the three parties will cooperate to launch the Thai common two-dimensional code standards to help Thailand to quickly raise the level of electronic payments. The internationalization of two-dimensional code payment is a trend in the future development of two-dimensional code.
(D) two-dimensional code still faces other payment patterns of competition
Of course the city
First, the basic concept of two-dimensional code
When we buy goods in the mall, we often see that there will be a bar code on the product's bag, which is called a one-dimensional code. One-dimensional code since its inception, has been widely used in commercial, industrial, financial, medical and post and telecommunications and other fields. Since the information capacity of the one-dimensional code is very small, such as the bar code on the commodity can only accommodate 13 digits of the Arabic numerals, so the scope of use has been limited. It is for this reason that people are eager to invent a new bar code, in addition to one-dimensional code easy to make, the advantages of low cost, but also need to have information capacity, high reliability, security and other advantages of security and other advantages The In order to meet this demand, Symbol Technologies, Inc., after several years of efforts, launched a two-dimensional bar code called PDF417 in 1992, and the two-dimensional code was announced.
The following are the same as the "
Two-dimensional code is used in the plane distribution of black and white geometric figures, according to a certain law to record the data symbol information. In the process of encoding, the computer binary code "0", "1" concept, the use of a number of binary corresponding to the geometric shape to represent the text of the numerical information, and then through the photoelectric scanning device or graphical input device to identify the information to To achieve the process of automatic processing of information.
Since the birth of the two-dimensional code, the current global existence of more than 250 kinds of two-dimensional code standards, more common QR code, DM code, GM code and CM code. Among them, the international mainstream standards are QR code and DM code as the representative. QR code is the mainstream of Japan's mobile phone two-dimensional code technology standards, in addition to reading speed, data density, take up the advantages of small space, but also efficient representation of Chinese characters. DM code is the mainstream of South Korea's mobile phone two-dimensional code technology standards. It uses a complex error correction code technology, so the coding error correction capability is relatively strong. Domestic two-dimensional code standards are GM and CM standards as the representative. These two standards are China's Ministry of Industry in May 2006 promulgated two domestic industry recommended standards. GM code can store a certain amount of data and provide more user-selectable error correction level; CM code can be faster to complete the two-dimensional bar code image recognition and processing.
Figure 1 QR standard two-dimensional code examples
Second, two-dimensional code to pay the past lives
Two-dimensional code payment is officially introduced by the Alipay into the Chinese market. In 2011, Alipay because of the existence of Taobao, has occupied the domestic online network payment market, the vast majority of market share, while the domestic line to pay the market is mainly identified by the Union Bank bank card. According to the central bank, offline bank card spending must be through CUP, this tripartite interaction mode and non-bank payment agencies tripartite interaction model is completely different. Alipay in order to expand the line to pay the business, constantly in the line of business thinking, and a variety of payment media to try. And then the two-dimensional code in the international community is no longer a strange thing, in many scenes have been applied, such as Japan, South Korea and other two-dimensional code using more mature areas, in the bus, subway station virtual shopping malls, has been through Two-dimensional code to achieve payment payment. In this environment, Alipay in July 1, 2011, the official launch of the mobile APP two-dimensional code payment business, to enter the domestic line to pay the market.
Two-dimensional code payment compared with the traditional bank card payment, has the following advantages: First, easy to carry. Users only need a cell phone can complete the entire payment process, to avoid the daily need to carry more than one card trouble; the second is simple to operate. Users only need to take out the phone, complete the corresponding operation, to avoid the dig card, find cards and other complex process. Third, reduce the cost of business. Traditional POS subscribers need to pay a POS deposit in order to support credit card payments. And the two-dimensional code to pay only need a business phone to load a mobile phone APP and print a two-dimensional code, you can complete the entire payment process, the cost relative to the credit card to pay greatly reduced.
From the specific time point of view, Alipay select this time node to launch two-dimensional code to pay into the line under the market is also very appropriate. On the one hand because the smart phone and 3G, 4G wireless network has begun to spread, for the two-dimensional code to pay the necessary hardware environment. On the other hand is due to the development of Taobao, Alipay APP client already has a large number of users and users in the product experience and marketing, and so accumulated a wealth of experience.
With the development of two-dimensional code business, Alipay line of users and the number of merchants gradually increased. Other payment agencies to see Alipay's successful experience, but also gradually follow up, an increase of two-dimensional code related applications. August 5, 2013, Tencent officially released WeChat version 5.0, opened the WeChat two-dimensional code payment model.
As the payment agency's two-dimensional code payment fundamentally bypassed the UnionPay, the rapid occupation of the market under the line, making the UnionPay's offline market suffered a great threat. In addition, the two-dimensional code payment as a new way of payment, its technical and security did not establish the corresponding detection standards, so the central bank in March 2014 to pay the company issued an emergency file "People's Bank of China Payment and Payment Department on the suspension of payment Company line bar code (two-dimensional code) to pay the letter of business advice, "prohibits the payment of the two-dimensional code line payment activities.
Three, two-dimensional code to pay this life
Although the central bank banned the line-based payment based on two-dimensional code, but because of the market to pay the market has a huge attraction, Alipay and other institutions did not stop for the offline payment market to explore the two-dimensional code to continue to pay the technical model and Security improvements, and ongoing business attempts.
In the continuous efforts of the payment agencies, with the two-dimensional code technology continues to improve, two-dimensional code finally won the central bank's recognition. On August 3, 2016, the Payment and Clearing Association issued a "bar code payment business specification" (draft) for the payment agency, which was the first official recognition of the two-dimensional code payment status after the central bank stopped in 2014. The bar code payment service specification (draft) focuses on the security of two-dimensional code payment, which includes information transmission standard, payment markup technology application, two-dimensional code timeliness, transaction quota, Transaction verification and so on. "Bar code payment business practices" (draft) will be limited to two-dimensional code payment in the daily small trading scene, located in the traditional line of bank card payment of useful supplement.
In the two-dimensional code to get the approval of the central bank, the two-dimensional code payment has been rapid development, and now has become a line pay market is very common payment model. The existing two-dimensional code payment product model can be divided into two categories, one is the user and business interaction mode, the other is the interaction between users and users model. Among them, the interaction between the user and the business model can be divided into two categories, one is the user main scan mode, one is the user was sweep mode. The specific discussion is as follows:
(A) user and business interaction mode
1, the user main scan mode
User main scan mode refers to the payment side (user) to open the mobile phone APP (such as Alipay, micro letter, etc.) scan business two-dimensional code payment mode. In this mode, the two-dimensional code information is usually displayed in the merchant POS terminal or directly printed on paper, the information mainly includes the merchant logo and so on. Specific transaction process shown in Figure 2.
Figure 2 user main scan mode transaction process
2, the user was swept mode
The user is sweep mode is the line under the business through the scanning gun or other bar code reading device to scan the user's mobile phone APP on the two-dimensional code payment mode. In this mode, the two-dimensional code mainly contains the user's account information and other related information. The transaction flow shown in Figure 3.
Figure 3 The user is swept through the process
User main sweep mode compared with the user passive mode, its advantages can be mainly to reduce the cost of business, the shortcomings are obvious, that is, two-dimensional code is easy to be forged. The advantages of the sweep mode are mainly include: First, reduce the payment of two-dimensional code is malicious tampering possible, better protection of personal information; Second, to support the payment of offline transactions, the user even if the network is not connected to the case You can open the APP shows the payment code, provided to merchants to complete the transaction, more convenient, the disadvantage is the need for scanning guns or smart POS scanning equipment, businesses need to bear a certain cost.
(B) user and user interaction mode
The user-user interaction mode mainly refers to the transfer business between the user and the user. The transaction flow shown in Figure 4
Figure 4 User-user interaction mode
With the two-dimensional code market continues to expand, two-dimensional code to pay the form of business, there have been many new trends, as follows:
(A) based on the two-dimensional code of the polymerization payment
Recently, with the Alipay, WeChat payment and other two-dimensional code application popularity, and the birth of a new payment model aggregation payment, that is, can support a variety of payment agency channel product model. Two-dimensional code aggregation payment can also be divided into two modes, namely the user main scan mode and user scan mode.
1, the user main scan mode
Based on the user's main scan of the aggregation payment model is a business only need to lay a two-dimensional code, you can also support Alipay, WeChat and other payment methods. The principle of this model is as follows: Aggregate payment of the two-dimensional code contains information is a network link, the network link to the aggregation of the payment agency backstage system, a service program, the user is scanning a two-dimensional code with the phone, the mobile phone software Will automatically jump to the aggregation of payment agencies backstage system related procedures, due to jump when the network transmission information will carry information about mobile phone APP, so the server background will determine the mobile phone APP information, and then jump to different payment channels The payment page, complete the corresponding payment process.
2, the user was swept mode
Users are swept based on intelligent POS or related scanning equipment, that is, in the intelligent POS or other scanning devices integrated in a variety of payment channel identification. Before the payment, the cashier needs to choose the payment channel, and then through the smart POS and other scanning equipment on the user's mobile phone to pay APP two-dimensional code to scan, and then the corresponding information transmission to the appropriate payment channels to complete the entire payment process.
(2) UnionPay launched two-dimensional code standards
Two-dimensional code to pay the application of online, for the CUP market caused a great impact, UnionPay in order to consolidate their market, also launched the "China UnionPay two-dimensional code payment security" and "China UnionPay two-dimensional code payment application specification ", For its member institutions to establish a unified standard to achieve the bank and non-bank payment agencies interoperability between.
In addition to norms, UnionPay launched the corresponding product program. Between individuals and individuals, between individuals and businesses, as well as between businesses and businesses between the funds to provide a corresponding solution. For each solution, CUP's product solutions also provide two different product models, namely "mobile application front" mode and "bank card front" mode. The difference between the two modes is that the deduction behavior of the "mobile application front" mode is initiated by the payer itself, processed by the CUP before processing, and the "bank card front" mode is the payment direction to send the payment request to CUP , And then forwarded by the CUP to the issuing bank, the transaction results are first returned to UnionPay, then the results will be returned by the UnionPay party.
At present, there are already a number of institutions APP has supported the CUP standard, such as CCB, Bank of Communications, Minsheng Bank, China Merchants Bank (Pocket Life), Huaxia credit card.
(3) mutual recognition of payment agencies and banks
Due to the expanding market in the market, the banking institutions began to cooperate with the payment agencies in order to keep the quality of the business under the line. March 2017, Alipay and CCB announced a strategic cooperation, one of the most important thing is the two-dimensional code scanning mutual recognition. In April 2017, ICBC announced that its upcoming e-ICBC products will support WeChat, CUP and other non-bank payment agencies to pay two-dimensional code.
As the specific product program has not been open, so now can think of the simplest mode of cooperation, is similar to the mode of polymerization payment, that is, the payment agency APP can accept the bank business two-dimensional code, the same bank APP can also accept payment The two-dimensional code of the business line.
Through this mode of cooperation, for banks, its advantages include: First, to maintain high-quality business resources. Second, the number of bank APP users may increase. The disadvantage to the bank is mainly the corresponding transaction information obtained by the payment agency. For the payment agency, its advantages include: First, effectively increase the payment agency APP offline application scenarios; Second, access to the corresponding transaction information, can provide businesses with the corresponding value-added services.
(D) two-dimensional code off-line payment
The traditional two-dimensional code payment is online payment, which users main sweep mode, the need for the user's mobile phone network is connected. Users are sweep mode, you need to connect the business network is connected, but in the actual application environment, due to the actual environmental reasons, such as public transport applications, can not guarantee the quality of network communications. In response to this situation, many institutions, such as Ling Nantong, launched an off-line payment solution based on two-dimensional code.
Lingnan pass two-dimensional code program has the following characteristics: First of all, the program uses a credit payment system, mobile phones and terminals can be two-way off-line. Terminal using offline mode, the terminal quasi-real-time to the background to send consumer bills to ensure that the business of funds security. Second, the system of the program trading time is very short, a single transaction time in principle no more than 1 second. Again, the product platform for the product program is fully open, access to banks and non-bank payment and other payment channels and credit providers. Finally, the program's two-dimensional code using dynamic encryption technology, each two-dimensional code automatically updated once a minute, while supporting real-time reporting, help to protect the safety of consumers.
The two-dimensional code of the off-line payment solution to the two-dimensional code application scene has been further broadened, can be applied in the network signal poor payment scene.
Four, two-dimensional code to pay the future
Two-dimensional code is currently in the payment market has occupied an important position for the future of two-dimensional code will have the following outlook.
(A) the application of two-dimensional code will be more and more widely
With the increasing popularity of two-dimensional code applications, in addition to payment applications, in other areas have also been fully applied, such as coupons, e-ticketing. In addition, with the application of two-dimensional code more and more widely, users of the use of two-dimensional code will become more and more skilled, the number of users will be more and more, which will further promote the development of two-dimensional code payment.
(B) the standardization and standardization of two-dimensional code
Is currently being established in the network is also the development of two-dimensional code of the corresponding norms, so the future standardization of two-dimensional code and standardization is also a big surprise.
(C) the internationalization of two-dimensional code payment
Alipay in 2016 has been through the German payment service provider Concardis cooperation, to achieve in the famous German watch and jewelry brand Wempe Germany Frankfurt, Hamburg and Cologne and other places of the store to pay two-dimensional code. In addition, May 9, 2017, CUP International and international card brand VISA, MasterCard announced in Bangkok, the three parties will cooperate to launch the Thai common two-dimensional code standards to help Thailand to quickly raise the level of electronic payments. The internationalization of two-dimensional code payment is a trend in the future development of two-dimensional code.
(D) two-dimensional code still faces other payment patterns of competition
Of course the city