条码支付业务模式比较及风险管理研究

近年来,条码支付线下应用场景不断拓展,用户的使用率和接受度迅速提升,倒逼行业风险管理水平的提高。本文从业务模式、服务商户和应用场景、交易限额管理、市场推广及营销策略等方面,对国内市场主体条码支付业务创新发展情况进行全面梳理和比较研究;分析在客户账户资金和信息安全、商户资金二次清算、违规套现等方面存在的主要风险问题,并提出促进行业规范健康发展的相关策略建议。

Research on Barcode Payment Business Mode Comparison and Risk Management

This paper makes a comprehensive and comparative study on the innovation and development of bar code payment business in domestic market, from the aspects of business model, service merchants and application scenarios, transaction quota management, marketing promotion and marketing strategy. The main risk problems in customer account funds and information security, secondary liquidation of merchant funds, illegal cash are analyzed. Relevant strategies and suggestions for promoting normative and healthy development of industry are proposed.