Personal collection code cannot be used for business collection

Next year, 3 month 1 The date of , Personal collection code cannot be used for business services ！

“2022 year 3 month 1 Personal collection codes are prohibited from being used for business services from the date of ” And “ Personal static collection barcode is prohibited from being used for remote non face-to-face collection ” Recently, I swipe the Internet . This news comes from the new notice on barcode payment Supervision recently released by the central bank .

In the daily life of consumers , Code scanning payment and other payment methods are not uncommon , Such behavior will be regulated .2021 year 10 month 13 Japan , Released on the official website of the central bank 《 Notice of the people's Bank of China on strengthening the management of payment acceptance terminals and related businesses （ Silver hair 〔2021〕259 Number ）》, From payment acceptance terminal service management 、 Special merchant management 、 Start with three aspects of acquiring business monitoring , It puts forward a series of management requirements for acquirers and clearing structures . meanwhile , Bar code payment is also regulated , Make specific provisions on the use specifications of individual collection bar codes , And will 2022 year 3 month 1 The effective date .

《 notice 》 How to understand the content ？

1. Personal collection code cannot be used for business collection

《 notice 》 The collection barcode management is described , It is necessary to effectively distinguish the scene and purpose of using the collection bar code between individuals and special merchants , For individuals with obvious characteristics of business activities , Bar code payment and collection service institutions shall not provide collection services related to business activities through individual collection bar codes .

2. Restrict personal collection code to be used for remote collection

《 notice 》 It is required that the individual static collection barcode is prohibited to be used for remote non face-to-face collection in principle , It is really necessary to implement white list management , To prevent personal static collection barcode from being sold 、 lease 、 Lending is used to build online recharge channels for gambling activities ; Yes, through the screenshot 、 For personal dynamic collection barcodes saved by downloading and other methods, refer to the relevant requirements of personal static collection barcodes , To prevent criminals from evading policy requirements with the help of personal dynamic collection barcode .

3. Formulate a collection code classification management system

《 notice 》 It is required to carefully determine the access conditions and scale of individual static collection bar code white list 、 Validity period of individual static collection barcode 、 Usage times and transaction limits , Guard against the risk of whitelist abuse .

《 notice 》 Why does it appear ？

In recent years, personal collection codes are not used for normal purposes , There are also some potential risks , Some institutions use personal collection barcode transfer business to handle mass production and operation 、 Living consumption transaction , It not only distorts the transaction information , It is also detrimental to the effect of risk monitoring . Besides , Fraud, money laundering and other illegal activities have gradually extended to personal collection codes , Lending personal collection codes to earn commissions occurs frequently , In especial “ Running platform ” There's a lot of it , It has become the main means of illegal payment in the network black and gray industry .

Lawbreakers use “ Running platform ”, Take high profits as bait , Attract a large number of people to participate in the running activities , These people use wechat 、 Alipay personal static collection QR code , With gamblers “ Point to point ” Online remote transfer of gambling money , The behavior of collecting gambling money appears to occur in the normal trading scene , In fact, it has affected the normal order of barcode payment business , It also makes it impossible for relevant departments to trace gambling in real time and efficiently “ Capital chain ”.

In recent years , The Central Bank continues to strengthen the regulatory management of barcode payment , As early as 2017 year , The central bank issued the 《 Notice of the people's Bank of China on printing and distributing < Barcode payment business specification （ On a trial basis ）> The notice of 》, Established rules for barcode payment . Use static scanning code to pay , The accumulated daily transaction amount of the same customer bank or payment institution shall not exceed 500 element , The maximum amount of payment using dynamic scanning code , This regulation has been in 2018 year 4 Implementation begins in .

The central bank issued relevant requirements this time , It is to strengthen industry management , Stop the leak , Cut off the illegal chain , Better guarantee the capital security of individual merchants , Guard the people “ Money bag ”.

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