First, two-dimensional code payment
1, QR code payment is a new generation wireless payment scheme based on account system. Under this payment scheme, merchants can compile transaction information such as account number and commodity price into two-dimensional codes and print them on various newspapers, magazines, advertisements, books and other carriers for publication. The rise of QR code payment method in China is not accidental, and its background is mainly related to the rapid development of IT technology and the rapid promotion of e-commerce in China. The maturity of IT technology promotes the birth of mobile terminals such as smart phones and tablet computers, and makes people's mobile life more colorful. At the same time, domestic e-commerce is also closely related to "mobile", especially the development of O2O. With a large number of mobile devices and a large number of mobile consumption, the cost of payment is particularly critical. Therefore, the QR code payment solution came into being.
2. The user can scan the QR code through the mobile phone client or the merchant can scan the user's payment code with an electronic payment tool to realize payment settlement with the merchant's account. Finally, the merchant can deliver the goods and complete the transaction according to the contact information in the user's receipt and payment transaction information. At the same time, because many QR code scanning tools don't have the ability to identify and intercept malicious urls, the data of Tencent's mobile phone housekeeper shows that this gives a lot of room for mobile phone viruses to spread. Scanning and detecting online malicious urls and payment environment can prevent the QR code scanning channel from being infected.