Two Dimensional Code Payment, Virtual Credit Card Risk Is Suspended

< p > < < a href= > //www.sjfzxm.com > > market > /a > rumors that the central bank has suspended Alipay's two dimensional code payment and virtual credit card. Zhou Jinhuang, deputy director of the payment and Settlement Department of the people's Bank of China, told Xinhua 14 days ago that the move of the central bank is intended to regulate related business development and protect consumers' rights, rather than targeting a certain enterprise.

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< p > the central bank recently issued a letter on suspending Alipay's offline bar code (two-dimensional code) payment and other business opinions. It also suspended the face-to-face payment services for Alipay, Tencent's virtual credit card products and bar code (two-dimensional code) payment.

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< p > "suspension" rather than "stop" of market rumors.

Zhou Jinhuang stressed that compared with traditional businesses, including a href= "//www.sjfzxm.com/news/index_c.asp", "two-dimensional code" /a "payment, virtual credit card" innovative business, involving many new technologies, new processes and new identification technology, some aspects of the existing rules do not cover, there are certain risks, the central bank needs further study.

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< p > the central bank announced that the offline bar code (2D code) payment has broken through the business mode of the traditional receiving terminal, and its risk control level is directly related to the information security and capital safety of the customers.

The virtual credit card has broken through the existing credit card business mode, and needs to be further studied in fulfilling the obligations of customer identification and protecting the information security of customers.

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< p > according to Zhou Jinhuang, there have been some complaints from consumers before, and some users have stolen information and funds in the process of two-dimensional code payment.

The suspended virtual credit card business mainly refers to the relevant cooperation between CITIC Bank and Alibaba and Tencent.

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< p > Zhou Jinhuang said that the central bank has always encouraged the financial innovation. The suspension of related businesses is mainly due to the consideration of protecting consumers' rights and interests and risk prevention and control, so as to better promote the healthy development of the Internet "a href=" //www.sjfzxm.com/news/index_s.asp "Jin Rong /a".

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