On July 23rd, the website of the People's Bank of China reported that in order to further standardize the reporting of major events by non-bank payment institutions, the central bank formulated and issued the Management Measures for Reporting Major Events by Non-bank Payment Institutions.
The measures show that information security incidents such as customer personal information disclosure involve more than 5,000 customer information data or more than 500 customers at a time; If the payment business is interrupted or its function fails due to unexpected circumstances, which exceeds 2 hours or affects the number of payment business transactions more than 65,438+10,000, or may cause significant negative public opinion, the payment institution shall report in time in accordance with the relevant regulations and requirements of the People's Bank of China.
The central bank released the total reserve of payment institutions in June.
Recently, the People's Bank of China released the latest balance sheet of the monetary authorities. Data show that as of June, 20021year, the deposits (reserves) of non-financial institutions 1855936 billion yuan, an increase of 70.482 billion yuan compared with May.
After February and April this year, the total reserves exceeded 1.8 trillion for the third time. Judging from the total reserve fund this year, it has also remained at around 1.8 trillion.
Xiong'an new area Management Department of China People's Bank was listed.
On July 19, xiong'an new area Business Management Department of China People's Bank (xiong'an new area Branch of State Administration of Foreign Exchange) and Xiong 'an New Sub-center of Credit Information Center of China People's Bank were formally established.
Xiong'an new area will perform the function of central bank, promote the reform of comprehensive and functional financial supervision system, and explore the establishment of a financial supervision framework in line with international rules.
Alipay sent an important notice, and there is no way to enter without doing it.
On July 20th, Alipay issued the Notice on the Access Rules and Quota Adjustment of Alipay Direct Payment Merchants, which correspondingly improved the access conditions and quotas of direct payment merchants.
According to the notice, according to the regulatory requirements (Notice of the People's Bank of China on Printing and Distributing the Data Interface Specification for Compliance Supervision of Payment and Settlement (Trial)No. 198), Alipay will make the following adjustments to the access rules and quotas of directly connected face-to-face payment merchants.
Xiaojin, bank of dalian and others 145 app were immediately named.
19 In July, the Ministry of Industry and Information Technology published the Notice of App Infringement on Users' Rights and Interests (batch 6: 202 1, total batch: 15), and 145 App Infringement on Users' Rights and Interests was notified.
Yihua, bank of dalian Dalian Branch and Jinzhou Bank Jinshangjiayuan App were notified for illegally collecting personal information.
The Postal Savings Office has cancelled the credit card points of 19 acquirer.
On July 16, China Postal Savings Bank issued the Announcement on Adjusting Credit Card Points Rules of China Postal Savings Bank, and the transactions with the top three merchant codes of acquiring institutions of 822, 823, 829, 83 1, 834, 836, 847, 848, 849 and 857 will no longer accumulate points.
Merchant codes representing Lacarra, Remittance World, Linkage Advantage, Yisheng Payment, Modern Payment, Accompanying Payment, China Payment, Qian Bao Payment, Jia Lian Payment and Guo Tong Xingyi respectively. In addition, 89 merchants with no accumulation points have been added.
Obi's face-brushing business has declined seriously.
According to the prospectus, in 20 18, 20 19 and 2020, Obi-Zhongguang's operating income was 209 million yuan, 596 million yuan and 258 million yuan respectively. During the reporting period, the net profit of OBI Zhongguang was-65.438+0.04 million yuan,-689 million yuan and-68.65438+0 million yuan respectively, and the net profit attributable to shareholders of the parent company after deducting non-recurring gains and losses was-9078.438+0.000 yuan, 43 12700 yuan and-65400 yuan respectively.
Cloud from the technology IPO meeting, science and technology innovation board financing 3.75 billion.
On July 20th, Shanghai Stock Exchange announced the results of the 48th meeting of Shanghai Municipal Committee of Science and Technology Innovation Board 202/KLOC-0, which was approved by Cloud Technology. This is also the first AI enterprise among the AI Four Little Dragons (Shang Tang, Congyun, Yi Tu and Kuanshi).
According to the prospectus, the net profit attributable to the owner of the parent company of Subcloud Technology in each reporting period (20 17, 20 18, 20 19 and the first half of 2020) is-1060,000 yuan,-1080,000 yuan and-respectively. Among them, the main reason for the expansion of losses in 20 19 is the implementation of equity incentives and the confirmation of share payment fees of13.02 million yuan. In the past three and a half years, the net loss from Cloud Technology to the parent company was 2.272 billion yuan.
Institute of Mathematics established "National Cryptography Application Research Center for Financial Industry"
On July 2 1, the agreement of the National Cryptographic Application Research Center of the financial industry was signed and the results conference of Shandong Blockchain Research Institute was held in Jinan. At the meeting, the National Research Center for Cryptography Application in Financial Industry was unveiled.
The National Research Center for Cryptography Application in Financial Industry mainly studies the innovative application and security application of domestic cryptography technology in the national legal digital currency, and promotes the core guarantee ability and key role of cryptography technology in the national legal digital currency operation security and network information security. Established by Tsinghua University, digital currency Research Institute of People's Bank of China and Jinan Municipal People's Government based on their respective advantages.
Vice President of JD.COM Science and Technology will be the general manager of Park Dao Zheng Xin.
According to the news from the financial industry, Cheng Jianbo, former vice president of JD.COM Science and Technology and general manager of Personal Risk Management Center, will be the general manager of Park Road Zheng Xin.
However, at present, the list of senior management team of Park Dao official website News has not been updated, and the post of general manager still shows that Chairman Han holds the post concurrently. Prior to this, Han was the deputy director of the Credit Information Center of the People's Bank of China.
Privacy Protection and Security of Digital RMB
On July 16, the People's Bank of China issued the White Paper on the Development Progress of Digital RMB in China, to clarify the basic position of the People's Bank of China on the research and development of digital RMB, and to elaborate the research and development background, target vision, design framework and relevant policy considerations of the digital RMB system.
As for one of people's concerns, that is, the privacy protection and security of digital RMB, the White Paper has also made relevant explanations.
Interpretation of Data Security Law in Payment Industry
With the rapid development of China's economy, data security management has the characteristics of multi-dimensional, multi-field and multi-industry, and the supervision mode of a single regulatory agency is difficult to meet the overall management of data security. Therefore, the release of the Data Security Law will also promote the strengthening of data security management from the top-level design level, and form a joint force to strengthen China's data security situation.
The following will deeply interpret the corresponding provisions in the Data Security Law, and predict the future regulatory trend according to the current situation of the payment industry for readers' reference.
Shenzhen bus and subway support digital RMB payment.
Recently, Shenzhen Municipal Transportation Bureau, together with China People's Bank, China Agricultural Bank, China Construction Bank and shenzhen tong Co., Ltd., officially launched the pilot application of digital RMB in the field of public transportation green travel.
In addition to Shenzhen, digital RMB has been used in public transportation in many cities across the country, including Beijing rail transit, Chengdu bus subway, Changsha subway, Qingdao subway, Suzhou subway and Shanghai traffic card recharge.
State Grid piloted digital RMB payment in nine regions.
On July 19, "E-Treasure" officially landed on the official digital RMB APP of the People's Bank of China, completing the push function with the central bank wallet. After the sub-wallet push function is launched, when users pay the electricity bill in the APP, they do not need to jump to the bank wallet interface and directly complete the digital RMB electricity bill payment in the original interface.
At present, the business has been fully liberalized to nine pilot areas in the operation area of State Grid Corporation, including xiong'an new area, Suzhou, Chengdu, Shanghai, Xi 'an, Dalian, Changsha, Qingdao and the Winter Olympics.
ICBC signed digital RMB cooperation agreements with 30 banks.
Lv Zhongtao, chief technology officer of ICBC and deputy head of the working group on the promotion and application of digital RMB, revealed that cooperation agreements have been signed with more than 30 commercial banks to develop customers' ability to obtain and use digital RMB in other banks.
In the future, ICBC will continue to explore new technologies, realize various new payment methods such as voice recognition payment and face-brushing payment, and accelerate the innovative application of digital RMB payment products.
Shanghai bank App can open digital RMB wallet.
On July 22nd, Bank of Shanghai announced the application strategy of digital RMB in its official WeChat account. As a tier 2.5 in the digital RMB system, it mainly cooperates with designated operating institutions to expand the scene, and provides financial services such as fund circulation, payment and settlement for customers by relying on the digital RMB wallet of the operating institutions.
It takes only three steps for users to open digital RMB in Shanghai Bank App.
South Korean payment giant Kakao Pay's second listing was blocked.
On the afternoon of July 16, it was reported that Kakao Pay, Korea's largest online payment service company with 36 million users, was asked by Korean regulators to modify its upcoming initial public offering (IPO) documents, which was the second time that relevant departments had intervened in the enterprise listing plan in recent weeks.
The company originally planned to issue170,000 new shares at the price of 63,000-96,000 won per share, which will make its market value exceed 1 10 billion USD according to the upper limit of the range. Kakao Company invested by Ant Group originally planned to go public on August 12.
India Paytm submits listing prospectus.
On July 15, Paytm, India's largest e-wallet, submitted a listing prospectus, which took a key step in listing.
Paytm has been actively promoting the development of local inclusive finance and digital life in recent years, and expanding into the fields of e-commerce, cloud services and integrated financial services. By March of 2002 1 year, 333 million registered users and 2110,000 merchants had been served.