条码支付互联互通正在加速“跑通”。近日有消息称,腾讯旗下财付通公司与中国银联已于近日就条码支付互联互通达成合作,双方正共同研究条码支付互联互通技术方案,率先建立全面互扫互认的条码支付服务网络。

Bar code payment connectivity is accelerating. Tencent's Tenpay Corporation and China UnionPay have recently reached cooperation on bar code payment connectivity, and the two sides are taking the lead in establishing a comprehensive mutual recognition bar code payment service network.

  2020年1月5日,腾讯财付通公司相关负责人对《证券日报》记者证实,“经内部核实,该消息基本属实,财付通公司与银联正在开展相关合作试点。”

On January 5,2020, the relevant responsible person of Tencent Tenpay Company confirmed to the \"Securities Daily\" reporter,\" after internal verification, the news is basically true, Tenpay Company and UnionPay are carrying out relevant cooperation pilot. \".

  另外,《证券日报》记者从知情人士处获悉,由人民银行科技司主导的第一笔互联互通业务,已于2019年12月30日在试点城市宁波完成,转接清算是由网联清算所做,交易双方中有一方为“平安付”。

In addition, the securities daily reporter learned from people familiar with the matter, the people's bank led by the science and technology department of the first interconnection business, completed in the pilot city of ningbo on december 30,2019, the transfer settlement is done by the network clearing house, one of the parties to the transaction for \"safe payment.\"

  “条码支付的互联互通有利于中小支付机构,将极大提高中小支付机构的积极性,对监管而言,客观上会减少很多聚合支付条码带来的‘二清’风险。”支付产业网创始人刘刚对《证券日报》记者表示。

“The interconnection of bar code payments is conducive to small and medium-sized payment institutions, which will greatly enhance the enthusiasm of small and medium-sized payment institutions, and will objectively reduce the'erqing' risk of many aggregate payment barcodes for regulation. Liu Gang, founder of the payment industry network, told the Securities Daily.

  所谓条码支付,就是二维码支付,由于支付机构间竞争激烈,一直以来,各个支付机构间的条码支付并不互通。例如,我们在一家店铺付款时,会同时见到银联、支付宝、微信支付等多个分别独立的二维码。若实现条码支付互联互通,以后商户就可只在一家支付机构申请收款码了,这个收款码可以接受消费者的任一APP扫码付款。

The so-called bar code payment, is two-dimensional code payment, due to the fierce competition between payment agencies, all the time, the bar code payment between the various payment agencies do not communicate. For example, when we pay in a shop, we will see at the same time UnionPay, Alipay, WeChat Pay and so on multiple separate two-dimensional code. If the bar code payment interconnection, after the merchant can only apply for a payment agency collection code, this collection code can accept any consumer app scan code payment.

  据悉,银联和财付通达成扫码互认的主体是“云闪付APP”和“微信支付”。双方已经实现银联二维码网络与微信支付网络的全面贯通。云闪付APP与工行、农行、中行、建行等银行APP扫描微信“面对面二维码”的支付功能将从试点地区陆续扩大到更多地区,最终逐步在全国范围内实现转账、消费等场景的全面互扫互认。届时,用户在原有体验和流程不变的基础上,可通过云闪付APP等应用扫描微信“商户码”或向微信商户出示云闪付APP等应用中的“付款码”完成付款,商户无须系统改造即可受理更多支付工具。

It is reported that UnionPay and Tenpay reached a scan code mutual recognition of the main body is \"cloud flash payment app\" and \"WeChat Pay \". Both sides have realized the full connection between the UnionPay QR code network and the WeChat Pay network. The payment function of cloud flash payment app with ICBC, Agricultural Bank, Bank of China, CCB and other banks app scanning WeChat \"face to face QR code\" will be expanded from the pilot area to more regions one after another, and finally gradually realize the overall mutual recognition of transfer, consumption and other scenarios in the whole country. At that time, users in the original experience and process on the basis of the same, through cloud flash payment app and other applications to scan WeChat \"merchant code\" or to show WeChat merchants cloud flash payment app and other applications in the \"payment code\" to complete the payment, merchants do not need to system transformation to accept more payment tools.

  外界认为,此举或与央行主导的条码支付编码规则统一有关。但有业内人士对《证券日报》记者分析认为,“银联与微信间的合作更偏向商业合作。”

The move is thought to have something to do with the central bank's dominant bar-code payment code. But some in the industry to the Securities Daily reporter analysis,\" UnionPay and WeChat cooperation is more in favor of business cooperation.\"

  自去年以来,监管和业界一直在推动加快制定条码支付互联互通标准,以使支付宝、微信支付等第三方支付,与银联等开发的二维码等扫码支付实现互联互通。

Since last year, regulators and the industry have been pushing to speed up the development of bar code payment connectivity standards to enable third-party payments such as Alipay, WeChat Pay, and code sweep payments such as those developed by UnionPay and others to achieve connectivity.

  目前条码支付在国内发展虽仅有数年,但已改变大众的支付习惯。其中,蚂蚁金服旗下的支付宝、腾讯旗下的微信支付是移动支付领域的两强,占据大部分市场份额。

At present bar code payment in the domestic development although only a few years, but has changed the public payment habits. Among them, Ant Financial Services Group's Alipay, Tencent's WeChat Pay is the two strong mobile payment sector, occupying most of the market share.

  如今,在条码支付的互联互通还未实现全面互联互通的情况下,市场存在大量聚合支付企业,其作用是把多家支付机构的二维码聚合到一起,方便商户及消费者收付款业务。但聚合支付在一定程度上扮演了无证支付机构“庇护所”的角色,因此产生诸多风险。

Nowadays, there are a large number of aggregate payment enterprises in the market when the interconnection of bar code payment has not been fully connected, whose function is to bring together the QR code of many payment organizations to facilitate the business of business and consumer payment. But there are many risks arising from aggregate payments, which to some extent play the role of \"shelter \", an unlicensed payment institution.

  苏宁金融研究院高级研究员黄大智对《证券日报》记者表示,割裂的条码支付市场造成社会资源的浪费,影响消费者体验,因此产生一系列风险问题。“实现条码支付互联互通是支付体系基础设施建设的重要组成部分,对机构而言,能够进一步实现支付机构间的公平竞争,促进支付行业健康发展。”

Huang dazhi, a senior researcher at the su Ning financial research institute, told the securities daily that the fragmented bar-code payment market created a waste of social resources and affected consumer experiences, creating a series of risk problems. \"The realization of bar code payment interconnection is an important part of the infrastructure construction of the payment system, and for institutions, it can further achieve fair competition among payment institutions and promote the healthy development of the payment industry.

  早在2016年末,银联就发布了二维码支付标准,意在实现银行间“一码通用”,为实现跨机构间银行卡条码支付互联互通奠定了基础。

As early as the end of 2016, UnionPay issued a two-dimensional code payment standard, intended to achieve \"one-yard universal\" between banks, laying the foundation for cross-agency bank card bar code payment interconnection.

  进入2019年后,条码支付互联互通开始提速。2019年7月份,央行科技司司长李伟撰文指出,“组织编制条码支付互联互通行业技术标准,推动条码支付编码规则统一,构建条码支付互联互通技术体系,实现不同手机APP和商户条码互认互扫。”

After entering 2019, bar code payment interconnection began to speed up. In july 2019, li wei wei, director of science and technology at the central bank, wrote that \"the organization compiles the technical standards of barcode payment interconnection industry, promotes the unification of barcode payment coding rules, constructs the barcode payment interconnection technology system, and realizes the mutual recognition and mutual scanning of bar codes between different mobile phone apps and merchants.\"

  2019年9月份,央行公布《金融科技(FinTech)发展规划(2019-2021年)》明确提出:“推动条码支付互联互通,研究制定条码支付互联互通技术标准,统一条码支付编码规则、构建条码支付互联互通技术体系,打通条码支付服务壁垒,实现不同APP和商户条码标识互认互扫。”

In September 2019, the central bank announced the Financial Technology Development Plan (2019-2021), which explicitly stated:\" Promote bar code payment connectivity, study and formulate technical standards for bar code payment connectivity, unify bar code payment coding rules, construct bar code payment connectivity technology system, break down bar code payment service barriers, and realize mutual recognition and mutual scanning of bar code logos between different apps and merchants.\"

  《证券日报》记者采访的大多业内人士认为,“对于条码支付的互联互通,在技术和应用上确实不存在技术难点,也不会涉及用户端或商户端的消费体验,改变更多的是在支付后端基础设施中的部分。现实所面临的难点,更多是银联或网联以谁为主导,在技术标准上是偏向支付宝还是微信的问题。”

Most industry insiders interviewed by the 《 securities daily believe that "there is really no technical difficulty in the technology and application of bar code payment interconnection, nor will it involve the consumer experience of the client or merchant side, and the change is more about the part in the back-end infrastructure of the payment. The difficulty facing the reality is more about who the UnionPay or the Networked Federation is dominated by and whether the technical standard is biased toward Alipay or WeChat.

  刘刚坦言,条码支付的互联互通在技术上并没有难点,主要在于两大支付巨头支付宝和微信支付的配合程度。“条码互联互通之后,支付市场格局将会有显著变化。排在第二梯队但仍具实力的支付机构将迅速建立账户体系,在成熟的扫码支付市场快速铺向商户,以服务取胜。这在以前的寡头垄断格局下是毫无机会的,现在机会来了。”(证券日报)

Liu Gang admitted that the interconnection of bar code payments is not technically difficult, mainly due to the degree of cooperation between the two major payment giants, Alipay and WeChat Pay. \"After the bar code interconnection, the payment market pattern will have the significant change. In the second tier but still have the strength of the payment institutions will quickly establish an account system in the mature sweep code payment market quickly paved to merchants to win the service. There is no chance in the previous oligopoly, and now it is. (Securities Daily)


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