Research On P Payment Company QR Code Payment Risk Prevention

The most popular payment methods in China have changed from cash payment and bank card payment to current mobile payment.In recent years,the electronic transaction mode based on two-dimensional code is gradually being accepted by the public.Because the two-dimensional code has the advantages of large information capacity,high tracking,high loss resistance and low cost,two-dimensional code payment can make the customer only need to scan the two-dimensional code in a few seconds,so it can complete the whole process from the handset to the convenience of payment by the cell phone.It represents not only a new way of life,but also a hot field of mobile payment research.At present,the development of the two-dimensional code payment industry is expanding,involving all industries and areas,and has broad prospects for development.And the risk of two-dimensional code payment is also increasingly prominent.Therefore,how to correctly understand the risk of two-dimensional code payment,reasonably control risks and avoid risks has become an urgent demand for the whole two-dimensional code payment industry.In this paper,the analysis of the risk prevention status of P payment company(hereinafter referred to as P company)and the improvement scheme of risk prevention are taken as the core,and combined with the existing risk problems in our country’s current two-dimensional code payment field,the research methods such as literature research,inductive deduction and system analysis are applied to the company’s two-dimensional code payment.Risk prevention is analyzed.The article is divided into six chapters.The first chapter is the introduction,which introduces the background and significance of the study on the risk prevention of two-dimensional code payment,research ideas and research methods,and the content of the research.The second chapter is based on the related theoretical basis.From the source analysis of two-dimensional code payment,the concept of bank card receipt and mobile payment is described,which leads to two-dimensional code payment,and also shows the different risks and characteristics of two dimensional code payment and other payment methods.The third chapter describes the current situation of P company’s two-dimensional code payment risk prevention,including the introduction of P company,the development status of P company’s two-dimensional code payment,the risk situation and the risk management status of the two dimensional code payment of P company.The fourth chapter,P company two-dimensional code payment risk questionnaire survey.In this section,we analyze the design,research method,questionnaire distribution and recovery,reliability and validity analysis,correlation analysis,regression analysis,and the discussion of data analysis.The fifth chapter is about the problems and causes of P two-dimensional code payment risk prevention.The sixth chapter is the improvement plan of P company’s two-dimensional code payment risk prevention.It includes standard two dimensional code payment risk management system,perfect two dimensional code payment risk prevention organization system,perfect two dimensional code payment risk assessment mechanism,and use the comprehensive risk management concept to improve the management level.The seventh chapter,the implementation and evaluation of P company’s two-dimensional code risk prevention improvement plan,mainly put forward the concrete implementation measures of the two dimensional code payment risk prevention improvement scheme,including the regulation of the risk prevention internal control system,the clear risk management organization structure,the improvement of risk assessment and accountability,and strengthening the training and publicity of risk prevention.We should strengthen IT support and external coordination,and evaluate the effect of improving risk prevention plan for two-dimensional code.