Research On Government Supervision Of QR Code Payment Security In China

QR code payment is to implant the price,product introduction and transaction information of the product into the QR code and pay it with the mobile phone.The QR code is quickly and easily used by the public due to its convenient,simple and low-cost features.Accepted,one of the basic billing methods.However,in real life,the abuse of QR codes occurs frequently.This article based on the status of China's QR code payment supervision development,starting from the frequent use of QR code to implant virus,fraud,public use of the QR code is replaced by unscrupulous elements and other risks,sum up the current QR code payment in China Safety government supervision measures to analyze the weaknesses of the QR code safety payment supervision:low threshold of QR codes,no basis for supervision of regulatory issues,supervision of credit card cash-laundering risks,single supervision of payment methods,financial security risks in supervision,supervision The responsibilities involved with the subject are not clear.The reasons for the lack of supervision were found out:the examination of the access mechanism was not strict,the legal mechanism was not perfect,there was no safe payment mechanism,there was no relevant safety insurance system,and there was no unified supervision body.Learn from the advanced experience of overseas QR code security payment supervision:The EU regulates funds supervision and information security,South Korea controls access qualification,and US QR code payment is subject to both state and federal laws.In-depth thinking and analysis of the vicious incidents occurred in China's QR code payment.In the end,this paper proceeds from the aspects of access control mechanism,legal system construction,QR code merchant credit system,QR code payment security system,insurance system,social supervision and other aspects to the QR code safety payment supervision.Analysis,the results of advanced foreign regulatory experience,combined with China's QR code payment safety supervision measures and deficiencies,proposed QR code safety payment supervision measures.