为促进银联卡二维码支付业务健康发展，协助应用服务方进一步加强业务风险防范，提升风险事件处臵效率，特制订本指引。

本指引适用于参与银联卡二维码消费业务及人到人二维码付款业务的中国境内应用服务方及中国境内的二维码支付交易。

第一章 总则.............................................................................................................................2
1.1 目的...................................................................................................................................2
1.2 适用范围...........................................................................................................................2
第二章 业务加入.....................................................................................................................2
2.1 建立风险防控制度...........................................................................................................2
2.2 账户信息安全合规评估...................................................................................................2
2.3 应用安全认证...................................................................................................................2
2.4 担保要求...........................................................................................................................4
第三章 注册账户开立与管理.................................................................................................4
3.1 注册账户实名制...............................................................................................................4
3.2 银行卡验证与绑定...........................................................................................................5
3.2.1 银行卡验证....................................................................................................................5
3.2.2 账户信息保护...............................................................................................................5
3.3 注册账户管理...................................................................................................................5
3.3.1 用户身份验证...............................................................................................................5
3.3.2 账户手机号绑定...........................................................................................................5
3.3.3 免密登录策略...............................................................................................................6
3.3.4 免密支付策略...............................................................................................................6
3.3.5 账户信息修改...............................................................................................................7
3.3.6 二维码管理...................................................................................................................7
第四章 风险监控.....................................................................................................................7
4.1 监控要素采集及上送.......................................................................................................7
4.1.1 监控要素采集...............................................................................................................7
4.1.2 监控要素上送...............................................................................................................7
4.2 注册账户监控...................................................................................................................8
4.3 银行卡绑定监控...............................................................................................................9
4.4 交易监控...........................................................................................................................9
第五章 风险交易处臵.............................................................................................................9
5.1 风险信息来源.................................................................................................................10
5.2 风险调查及处臵措施.....................................................................................................10
5.2.1 注册账户管控及应用软件排查.................................................................................10
5.2.2 风险调查及关联排查.................................................................................................10
5.2.3 降低交易限额.............................................................................................................11
5.2.4 风险事件协查.............................................................................................................11
5.2.5 优化监控处臵.............................................................................................................11
第六章 风险责任承担...........................................................................................................11
6.1 责任处臵流程.................................................................................................................11
6.2 风险损失先行赔付.........................................................................................................12
6.2.1 先行赔付情形.............................................................................................................12
6.2.2 先行赔付机制建议.....................................................................................................12