中國銀聯推二維碼支付標準 能與支付寶、微信一戰嗎?

China UnionPay, the national bankcard association, last Monday launched its own application and security standard for two-dimensional barcode payment.

全國性銀行卡聯合組織中國銀聯於上週一推出了自己的二維碼支付應用和安全規範。

It joined existing players Alipay and WeChat Pay in the internet-based mobile payments segment.

該組織正式進入了這個以互聯網爲基礎的移動支付領域。支付寶和微信支付都已涉足該領域。

Song Hanshi, general manager of UnionPay's technology department, said it will adopt unified technical solutions to achieve interconnectivity among different financial institutions and to ensure consistency in user experience.

中國銀聯技術部總經理宋漢石表示，銀聯將採用統一的技術解決方案來實現不同金融機構間的互聯互通，保證用戶體驗的一致性。

Currently, commercial banks have their own two-dimensional barcode payment apps and UnionPay hopes to promote the use of barcodes across different banks.

目前，多家商業銀行都有自己的二維碼支付應用程序，銀聯希望能借此推動跨行二維碼的使用。

It will also apply token technology to protect sensitive account information from leaking and to ensure payment security.

銀聯還將應用標記技術來防止敏感賬戶信息泄露，確保支付安全。

The bankcard association is working on risk control standards for two-dimensional barcode payments and will launch its own product in this area, according to Cai Jianbo, executive vice-president of China UnionPay.

中國銀聯常務副總裁蔡劍波稱，銀聯正在制定二維碼支付風控策略，並將發佈自己的二維碼支付產品。

Zhao Yao, a special research fellow at the Institute of Finance and Banking at the Chinese Academy of Social Sciences, said: "This is an important measure taken by UnionPay and commercial banks to deal with competition from third-party payment institutions."

中國社會科學院金融研究所特約研究員趙曜表示：“這是銀聯和商業銀行應對第三方支付機構競爭的重要舉措。”