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Notice of the People's Bank of China on Issuing the Standards for the Barcode Payment Business (for Trial Implementation) [Effective]
中国人民银行关于印发《条码支付业务规范(试行)》的通知 [现行有效]
【法宝引证码】

Notice of the People's Bank of China on Issuing the Standards for the Barcode Payment Business (for Trial Implementation) 

中国人民银行关于印发《条码支付业务规范(试行)》的通知

(No. 296 [2017] of the People's Bank of China) (银发〔2017〕296号)

The Shanghai Head Office of the People's Bank of China (“PBC”); all branches and business management departments of the PBC; all central sub-branches of the PBC in capital cities of provinces (autonomous regions) and sub-provincial cities; all state-owned commercial banks, joint-stock commercial banks, and Postal Savings Bank of China; all non-banking payment institutions; China UnionPay Co., Ltd.; the Payment & Clearing Association of China (PCAC); and China Nets UnionClearingCorporation: 中国人民银行上海总部,各分行、营业管理部,各省会(首府)城市中心支行,各副省级城市中心支行;各国有商业银行、股份制商业银行,中国邮政储蓄银行;各非银行支付机构;中国银联股份有限公司,中国支付清算协会,网联清算有限公司:
For the purposes of regulating the barcode payment business, protecting the lawful rights and interests of consumers, maintaining the environment of fair competition on the market, and promoting the sound and sustainable development of the mobile payment business, the Standards for the Barcode Payment Business (for Trial Implementation) (Annex) are hereby issued to you, and the relevant work requirements are hereby notified as follows for your compliance and implementation. 为规范条码支付业务,保护消费者合法权益,维护市场公平竞争环境,促进移动支付业务健康可持续发展,现将《条码支付业务规范(试行)》(附件)印发给你们,并将有关工作要求通知如下,请一并遵照执行。
I. Strictly observing the requirements for business qualifications and clearing management   一、严格遵循业务资质及清算管理要求
A non-banking payment institution (hereinafter referred to as the “payment institution”) which provides clients with payment services based on barcode technologies shall obtain the license to conduct the online payment business. The payment institution which provides barcode payment acquiring services for an entity franchised merchant or a network franchised merchant shall obtain the bankcard acquiring business license and online payment business license separately. 非银行支付机构(以下简称支付机构)向客户提供基于条码技术的付款服务的,应当取得网络支付业务许可;支付机构为实体特约商户和网络特约商户提供条码支付收单服务的,应当分别取得银行卡收单业务许可和网络支付业务许可。
A banking financial institution (hereinafter referred to as a “bank”) or a payment institution that conducts the barcode payment business involving inter-bank transactions shall handle them through the inter-bank clearing system of the PBC or a clearing institution with legal qualifications. From the date of issuance of this Notice, no bank or payment institution may add any barcode payment business conducted through direct connection to different corporate institutions; and the existing business shall be transferred to a legal clearing institution as soon as possible according to the relevant provisions of the PBC. 银行业金融机构(以下简称银行)、支付机构开展条码支付业务涉及跨行交易时,应当通过人民银行跨行清算系统或者具备合法资质的清算机构处理。自本通知发布之日起,银行、支付机构不得新增不同法人机构间直连处理条码支付业务;存量业务应按照人民银行有关规定加快迁移到合法清算机构处理。
II. Regulating the management of the barcode payment acquiring business   二、规范条码支付收单业务管理
“Barcode payment acquiring business” means the act that an acquiring institution enters into an acceptance agreement with a franchised merchant to provide transaction fund settlement services for the franchised merchant after the franchised merchant accepts the payment methods based on barcode technology as agreed upon and reaches a transaction with the payer. A bank or payment institution shall, when providing franchised merchants with barcode payment acquiring services, implement the Measures for the Administration of the Bankcard Acquiring Business (Announcement No. 9 [2013], PBC), the Notice of the People's Bank of China on Strengthening the Administration of Outsourcing of the Bankcard Acquiring Business (No. 199 [2015], PBC) and other relevant provisions. A bank or payment institution shall strengthen the management of the barcode payment acquiring business, and strictly abide by the basic provisions on the real name system of merchants, risk rating of merchants and monitoring of transaction risks. To provide acquiring services for entity franchised merchants, it shall perform the responsibility of local business operations and periodical patrol inspection of merchants. To provide acquiring services for online franchised merchants, it shall strengthen the use management of network payment interfaces and transaction monitoring, and take effective inspection measures and technical means to inspect their business content and transactions. A bank or payment institution which cooperates with an outsourcing service provider in barcode payment business shall specify the positioning of the outsourcing service provider, strengthen management and prevent business risks. 条码支付收单业务,是指收单机构与特约商户签订受理协议,在特约商户按约定受理基于条码技术的支付方式并与付款人达成交易后,为特约商户提供交易资金结算服务的行为。银行和支付机构在为特约商户提供条码支付收单服务时,应执行《银行卡收单业务管理办法》(中国人民银行公告〔2013〕第9号公布)、《中国人民银行关于加强银行卡收单业务外包管理的通知》(银发〔2015〕199号)等规定。银行、支付机构应当加强条码支付收单业务管理,严格遵守商户实名制、商户风险评级、交易风险监测等基本规定。为实体特约商户提供收单服务,应履行本地化经营、商户定期巡检责任;为网络特约商户提供收单服务,应强化对网络支付接口的使用管理和交易监测,采取有效的检查措施和技术手段对其经营内容和交易情况进行检查。银行、支付机构与外包服务机构开展条码支付业务合作的,应明确外包服务机构定位,加强管理,防范业务风险。
III. Giving playing to the role of industry self-regulation   三、发挥行业自律作用
A bank or payment institution conducting the barcode payment business shall accept the industry self-regulatory management of the PCAC. The PCAC shall include barcode payment franchised merchants in the management of the franchised merchant information management system of the PCAC, and include barcode payment outsourcing service providers in the rating system for the bankcard acquiring outsourcing service providers of the PCAC for management. If a real-name report is made on the suspected violation of law or regulation in the barcode payment business, the PCAC shall punish the violator in accordance with the relevant requirements of the Measures for Rewarding the Reporting of Violations of Laws and Regulations on Payment and Settlement (Announcement No. 7 [2016], PBC) and the detailed rules for its implementation. 银行、支付机构从事条码支付业务,应接受中国支付清算协会行业自律管理。中国支付清算协会应将条码支付特约商户纳入协会特约商户信息管理系统管理;对条码支付外包服务机构,一并纳入中国支付清算协会银行卡收单外包服务机构评级体系管理。对被实名举报涉嫌违法违规开展条码支付业务的,中国支付清算协会应按照《支付结算违法违规行为举报奖励办法》(中国人民银行公告〔2016〕第7号公布)及其实施细则的相关要求进行处理。
IV. Reinforcing supervision and inspection   四、加大监督检查力度
A bank or payment institution that has conducted the barcode payment business shall comprehensively review its own barcode payment business (including domestic, cross-border and overseas businesses), and form reports, including but not limited to the business volume calculated on an annual basis, product introduction, business flow, technical plan, risk management mechanism, cooperation with domestic and foreign institutions, capital settlement mode, fee rates and profit distribution mechanism, measures for the protection of clients' rights and interests, information on outsourcing service providers, outsourcing scope, the information on self-inspection conducted in accordance with this Notice, and rectification plan. Before January 31, 2018, a national bank shall submit the report to the PBC Head Office, and any other bank or payment institution shall submit the report to the PBC branch office at the place where the legal person is located. 已开展条码支付业务的银行、支付机构应当全面梳理自身条码支付业务情况(含境内、跨境、境外业务)并形成报告,包括但不限于按年度统计的业务量、产品介绍、业务流程、技术方案、风险管理机制、境内外机构合作情况、资金清算模式、收费标准及利润分配机制、客户权益保护措施、外包服务机构信息及外包范围、以及根据本通知进行自查的情况及整改方案等。2018年1月31日前,全国性银行将报告报送人民银行总行,其他银行和支付机构将报告报送法人所在地人民银行分支机构。
A bank, payment institution or clearing institution that innovates in the barcode payment business and expands cross-border and overseas barcode payment business shall report it to the PBC Head Office or the PBC branch office at the place where the legal person is located at least 30 days in advance. 银行、支付机构和清算机构开展条码支付业务创新,拓展跨境、境外条码支付业务的,应当至少提前30日向人民银行总行或法人所在地人民银行分支机构报告。
PBC branch offices shall, in accordance with the law, conduct supervision and administration of the barcode payment business of banks and payment institutions within their respective jurisdictions, strengthen inspection, and handle the regulatory violations in accordance with the Measures for the Administration of the Payment Services Provided by Non-financial Institutions (Order No. 2 [2010], PBC), the Measures for the Administration of the Bankcard Acquiring Business, the Measures for the Administration of the Online Payment Business of Non-banking Payment Institutions (Announcement No. 43 [2015], PBC) and other relevant provisions. If the circumstances are serious, the violator shall be punished in accordance with the provision of Article 46 of the Law of the People's Republic of China on the People's Bank of China. 人民银行分支机构依法对辖区内银行、支付机构条码支付业务进行监督管理,加大检查力度,对违规行为应按照《非金融机构支付服务管理办法》(中国人民银行令〔2010〕第2号发布)、《银行卡收单业务管理办法》、《非银行支付机构网络支付业务管理办法》(中国人民银行公告〔2015〕第43号公布)等相关规定予以处理;对情节严重的,依照《中华人民共和国中国人民银行法》第四十六条规定予以处罚。
PBC branch offices shall forward this Notice to urban commercial banks, rural commercial banks, rural cooperative banks, rural credit cooperatives, village banks and foreign-funded banks within their respective jurisdictions. 请人民银行分支机构将本通知转发至辖区内城市商业银行、农村商业银行、农村合作银行、农村信用社、村镇银行、外资银行。
Annex: Standards for the Barcode Payment Business (for Trial Implementation) 附件:条码支付业务规范(试行)
People's Bank of China 中国人民银行
December 25, 2017 2017年12月25日
Standards for the Barcode Payment Business (for Trial Implementation) 条码支付业务规范(试行)
Chapter I General Provisions 

第一章 总 则

 
Article 1 For the purposes of regulating the barcode (QR code) payment (hereinafter referred to as “barcode payment”) business, protecting consumers' lawful rights and interests, and promoting the sound development of the barcode payment business, these Standards are developed in accordance with the Electronic Payment Guidelines (No. 1) (Announcement No. 23 [2005], PBC), the Measures for the Administration of the Payment Services Provided by Non-financial Institutions (Announcement No. 2 [2010], PBC), the Measures for the Administration of the Bankcard Acquiring Business (Announcement No. 9 [2013], PBC), the Measures for the Administration of the Online Payment Business of Non-banking Payment Institutions (Announcement No. 43 [2015], PBC) and other relevant provisions.   第一条 为规范条码(二维码)支付(以下简称条码支付)业务,保护消费者合法权益,促进条码支付业务健康发展,根据《电子支付指引(第一号)》(中国人民银行公告〔2005〕第23号公布)、《非金融机构支付服务管理办法》(中国人民银行公告〔2010〕第2号公布)、《银行卡收单业务管理办法》(中国人民银行公告〔2013〕第9号公布)、《非银行支付机构网络支付业务管理办法》(中国人民银行公告〔2015〕第43号公布)等规定,制定本规范。
Article 2 For the purposes of these Standards, “barcode payment business” means the business activities in which banking financial institutions (hereinafter referred to as “banks”), non-banking payment institutions (hereinafter referred to as “payment institutions”) apply barcode technologies to realize the transfer of monetary funds between the payer and the payee.   第二条 本规范所称条码支付业务是指银行业金融机构(以下简称银行)、非银行支付机构(以下简称支付机构)应用条码技术,实现收付款人之间货币资金转移的业务活动。
The barcode payment business includes payment code scanning and receipt code scanning. “Payment code scanning” means that the payer's act of reading the barcode shown by the payee through the mobile terminal to complete payment. “Receipt code scanning” means the payee's act of reading the barcode shown by the payer through the mobile terminal to complete payment. 条码支付业务包括付款扫码和收款扫码。付款扫码是指付款人通过移动终端识读收款人展示的条码完成支付的行为。收款扫码是指收款人通过识读付款人移动终端展示的条码完成支付的行为。
Article 3 A bank or payment institution shall conduct the barcode payment business in accordance with these Standards.   第三条 银行、支付机构开展条码支付业务应遵循本规范。
Article 4 A payment institution that conducts the barcode payment business shall obtain the appropriate business permit as required, and conduct the business in a standard manner in accordance with the applicable administrative measures.   第四条 支付机构开展条码支付业务,应按规定取得相应的业务许可,并按相应管理办法规范开展业务。
Article 5 No payment institution may, on the basis of barcode technology, conduct such businesses as securities, insurance, credit, financing, wealth management, guarantee, trust, currency exchange, and cash deposit and withdrawal or do so in any disguised form.   第五条 支付机构不得基于条码技术,从事或变相从事证券、保险、信贷、融资、理财、担保、信托、货币兑换、现金存取等业务。
Article 6 A bank or payment institution that conducts the barcode payment business shall comply with the provisions on the real-name system management of clients, comply with the requirements of anti-money laundering laws and regulations, perform the obligation of anti-money laundering and anti-terrorist financing, and protect the lawful rights and interests of clients and relevant parties in accordance with the law.   第六条 银行、支付机构开展条码支付业务应遵守客户实名制管理规定;遵守反洗钱法律法规要求,履行反洗钱和反恐怖融资义务;依法维护客户及相关主体的合法权益。
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