Two-dimensional code payment from the capital market has been hit hard recently. First, on the afternoon of March 13, the central bank issued an urgent document called a bar code (QR code) payment and other face-to-face payment services. With the order of the new world, Zhengtong Electronics, which has the concept of two-dimensional code payment, fell to a limit on March 14. However, after a wave of unrest, the 2D code payment security hole was exposed at CCTV's 3·15 party. Yesterday, the New World and Zhengtong Electronics gapped lower. At the close, the New World closed at 18.29 yuan/share, down 0.33%; Zhengtong Electronics closed at 15.43 yuan/share, up 2.66%.
Although the QR code payment was suspended, both companies valued the positive significance behind this. In the view of the New World, this is extremely meaningful and promotes the development of the bar code industry; Zhengtong Electronics believes that in this context, "the company's current main product is to load the QR code payment method at the POS to ensure The security of offline payments is more promotional."
Two-dimensional code payment security risks
It is reported that the Central Bank mentioned in the "People's Bank Payment and Settlement Department's letter on suspending Alipay's offline barcode (two-dimensional code) payment and other business opinions", the offline barcode (two-dimensional code) payment broke through the traditional acceptance terminal business. Mode, its level of risk control is directly related to customer information security and financial security. At present, bar codes (two-dimensional codes) are applied to related technologies in the field of payment, and the security standards of terminals are not clear. The security of the relevant payment matching verification method still has doubts, and there are certain hidden risks of payment risks.
In this regard, Zhou Jin, deputy director of the Department of Payment and Settlement of the People's Bank of China, said that compared with the traditional business, innovative business including QR code payment and virtual credit card involves many new technologies, new processes and new ones. Identification technology, some aspects of the current existing rules are not covered, there are certain risks, the central bank needs to study this. At the same time, he said, "I have received complaints from some consumers before, and some users have experienced the problem of stolen information and funds in the process of QR code payment."
After a lapse of one day, the CCTV 3•15 party exposed the QR code payment security vulnerability. It is understood that criminals insert virus into the QR code. When the consumer scans the QR code, the virus is rooted in the mobile phone. No matter what information the mobile phone sends, it can be intercepted, including the ID number and verification code. Etc., and then steal the user account by modifying the payment password.
Promote product and industry development
Although the two major losses in a short period of time have caused the company's share price to fall, the New World and Zhengtong Electronics, which have the concept of two-dimensional payment, have a positive interpretation of the payment of the two-dimensional code by the central bank.
According to the New World, "the rapid application or suspension of bar code payment will not directly affect the application of other industries or fields in which the company is involved." In the company's view, one of the reasons for the “pause†of QR code payment is based on the consideration of the security of bar code payment. “Everyone understands that the phone reading mode is better than the main reading mode in terms of security. When the mobile phone is read, the read mode should be more likely to be a method of attention when formulating the model." At the same time, the company said, “The boom in bar code payment indicates that major customers have already made clear the use of bar codes, and have already established certain opinions on the benefits of bar code application in their mainstream applications. The essence of bar code as an information carrier is Cross-industry, cross-application types are universal."
The New World side believes that the suspension of QR code payment has played a positive role in guiding, promoting and recognizing the bar code application of other industries, fields and customers. This is a very meaningful and advancing event for the development of the bar code industry. . Regarding the fall in stock prices, the New World said in response to investor questions, "The fundamentals of the company are all normal, and all the business of each sector is operating smoothly and developing. The progress or suspension of the recent hot bar code payment, the impact on the company and Not big."
Zhengtong Electronics also believes that in the case that the two-dimensional code payment security mechanism has not been established, the main intention of the central bank to suspend may be to protect customer information and financial security. Therefore, the company said, "In this context, the company's current main product is to load the QR code payment method at the POS to ensure the security of offline payment, and it has more promotion significance."
In addition, according to the introduction of the company, a variety of POS machines developed by the company can be paid by NFC. In addition, the company's POS products can also support the QR code scanning function according to customer requirements, but these two are currently in the market. In the promotion stage, sales did not form a large scale.
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