南华早报：二维码支付迈出征服世界的第一步
2017-07-17
随着EMVCo发布二维码支付国际标准，在中国境内已非常普及的二维码支付，迈出了走向全球的第一步；在此过程中，中国成为推广二维码支付的领军者，银联在推动EMVCo标准出台中起到积极引领作用，并正在境外积极推广二维码支付。
主要内容：
1.援引银联EMVCo二维码工作组负责人，指出银联作为EMVCo二维码工作组组长，带领工作组设计提出了最终的技术解决方案。
2.评价称，中国支付清算协会去年颁布《二维码支付业务规范》，是中国在促进二维码支付全球推广的一座里程碑；同时援引《人民日报》数据，指出二维码已在中国普及，其应用覆盖身份验证、无现金支付、网上购物多个领域。
3.介绍银联国际正在中国境外加快推进二维码支付服务，近期银联二维码支付产品已落地香港和新加坡。
报道原文：
QR code takes a baby step in world conquest as group adopts global cashless payment format
The QR code, the ubiquitous data-storage format that dominates daily life in the internet age in mainland China, is taking its first step abroad, after a global organisation that supports unified payment systems adopted and published the specifications for transactions using the code.
EMVCo, a consortium for smart payments that’s collectively owned by American Express, Visa, Mastercard and UnionPay, on Saturday published the first version of QR code specifications, or the industry standard for the payment format, a year after UnionPay proposed a safe and open global system.
“UnionPay played an active and leading role in the preparations for the issuance of the standard,” said Zhou Jinjia, a UnionPay executive in charge of the QR code promotion. “It was UnionPay, the leader in the EMVCo working group, that helped provide the final technical solution.”
The move is a giant leap in the evolution of the black and white squiggles first created in 1994 by Denso for the Japanese automotive industry. Known as the Quick Response codes, the format comprised random patterns of black squares on white background, capable of holding 300 times more data than traditional bar codes.
Embraced in China, nine of 10 of the world’s QR code users are in the country, according to an estimate by the People’s Daily newspaper. QR codes are now an integral part of the social media-enabled, mobile internet age by more than 700 million smartphone owners, where the data is used in everything from identification to cashless payments to online shopping. Even roadside peddlers and beggars have been seen providing their QR codes to accept cashless payments.
China’s consumers made 38 trillion yuan (US$5.6 trillion) of payments through mobile devices in 2016, more than half of the country’s total economic output, according to iResearch.
“Given the fast growth of the country’s internet-related businesses, it’s safe to say that some of the new technological applications in China have the potential to become world leaders,” said Zhang Ming, a managing director with Flag Leader information, which focuses on online-to-offline businesses. “But China has yet to be a true locomotive in driving global innovations, since the technology was developed and widely used here, but not invented” in China, he said.
Tencent Holdings and Alibaba Group Holdings have been the biggest drivers of the QR code, where their Wechat Pay and Alipay cashless payment platforms use the data format for storing and deciphering data. Alibaba owns the South China Morning Post.
Last year, the Payment & Clearing Association of China, an industry consortium overseen by the central bank, drew up rules governing QR code payment, marking a milestone in China’s drive to promote the new payment method at home and abroad.
UnionPay International, a subsidiary of UnionPay that handles the group’s businesses outside the mainland, has been actively expanding QR code services abroad, launching the services in Hong Kong and Singapore recently.
Analysts expected the rising penetration of QR code to eventually lure more new players including the big-name foreign payment service providers into the market.
媒体报道