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Notice by the People's Bank of China Regarding Strengthening the Administration of Payment Terminals and Related Business [Not Yet Effective]
中国人民银行关于加强支付受理终端及相关业务管理的通知 [尚未生效]
【法宝引证码】
 
  
  
Notice by the People's Bank of China Regarding Strengthening the Administration of Payment Terminals and Related Business 

中国人民银行关于加强支付受理终端及相关业务管理的通知

(No. 259 [2021] of the People's Bank of China) (银发〔2021〕259号)

The Shanghai Head Office of the People's Bank of China ("PBC"), all branches and operations offices of the PBC, all central sub-branches of the PBC in capital cities of provinces (or autonomous regions), and all central sub-branches of the PBC in sub-provincial cities; all state-owned commercial banks, the Postal Savings Bank of China, and all joint-stock commercial banks; all non-bank payment institutions; and China UnionPay Co., Ltd., the Payment & Clearing Association of China, NetsUnion Clearing Corporation, and Express (Hangzhou) Technology Services Co., Ltd.: 中国人民银行上海总部,各分行、营业管理部,各省会(首府)城市中心支行,各副省级城市中心支行;各国有商业银行,中国邮政储蓄银行,各股份制商业银行;各非银行支付机构;中国银联股份有限公司、中国支付清算协会、网联清算有限公司、连通(杭州)技术服务有限公司:
For the purposes of strengthening the administration of payment terminals and related business, maintaining the order of the payment market, and protecting the lawful rights and interests of consumers, you are hereby notified of the relevant matters as follows: 为加强支付受理终端及相关业务管理,维护支付市场秩序,保护消费者合法权益,现就有关事项通知如下:
I. Administration of payment terminal business   一、支付受理终端业务管理
1. Bank card terminals and related business. (一)银行卡受理终端及相关业务。
(1) Administration of the production and registration of bank card terminals. One bank card terminal may correspond only to one terminal serial number. A clearing institution or acquiring institution shall, in accordance with the Notice by the People's Bank of China Regarding Strengthening the Security Management of Bank Card Terminals (No. 21 [2017], PBC), adopt password recognition technology and other effective methods for bank card terminals to ensure that the serial numbers of bank card terminals are not tempered with. 1.银行卡受理终端生产与登记管理。1台银行卡受理终端只能对应1个受理终端序列号。清算机构、收单机构应当按照《中国人民银行关于强化银行卡受理终端安全管理的通知》(银发〔2017〕21号)规定,对银行卡受理终端采取密码识别技术等有效手段,确保银行卡受理终端序列号不被篡改。
A clearing institution shall establish and improve a bank card terminal registration management platform (hereinafter referred to as the "management platform") and require a cooperating manufacturer of bank card terminals (hereinafter referred to as the "cooperating manufacturer") to file the serial numbers and serial keys of bank card terminals and the names of corresponding banking institutions (hereinafter referred to as "banks"), non-bank payment institutions (hereinafter referred to as payment institutions), and other acquiring institutions with the management platform. 清算机构应当建立健全银行卡受理终端注册管理平台(以下简称管理平台),要求银行卡受理终端合作生产厂商(以下简称合作生产厂商)向管理平台报送银行卡受理终端序列号及序列号密钥、对应的银行业金融机构(以下简称银行)和非银行支付机构(以下简称支付机构)等收单机构名称。
A clearing institution shall establish a mechanism for assessment and management of cooperating manufacturers. For a cooperating manufacturer which fails to manufacture bank card terminals or file the registration information of serial numbers of bank card terminals as required, or falls under circumstances of participating in activities in violation of laws and regulations, the clearing institution shall take measures such as requiring it to take corrective action within a time limit, downgrading its assessment rating, and even ceasing cooperation. 清算机构应当建立合作生产厂商评估管理机制。对于未按要求生产银行卡受理终端、报送银行卡受理终端序列号登记信息,或存在参与违法违规活动等情形的合作生产厂商,清算机构应当采取要求其限期整改、降低评估等级直至停止合作等措施。
A clearing institution may establish a management platform and assess and manage cooperating manufacturers in person or by another institution authorized. 清算机构可以自行或委托其他机构建立管理平台、评估管理合作生产厂商。
(2) Administration of network access of bank card terminals. One bank card terminal may correspond only to one merchant. An acquiring institution shall establish a correlation between the serial number of a bank card terminal and the following five aspects of information, file the relevant information with the clearing institution when applying for the network access of the bank card terminal, and ensure the consistency and non-tamperability of the correlation throughout the payment process: 2.银行卡受理终端入网管理。1台银行卡受理终端只能对应1个特约商户。收单机构应当建立银行卡受理终端序列号与下述5要素信息的关联对应关系,在办理银行卡受理终端入网时将相关信息报送至清算机构,并确保该关联对应关系在支付全流程中的一致性和不可篡改性:
(a) The code of the acquiring institution. (1)收单机构代码;
(b) The code of the merchant (including a micro or small-sized merchant, to wit, a physical merchant exempt from industrial and commercial registration in accordance with laws, regulations, and relevant regulatory provisions, the same below). (2)特约商户(含小微商户,即依据法律法规和相关监管规定免于办理工商注册登记的实体特约商户,下同)编码;
(c) The unified social credit code of the merchant (or the valid identification number of the principal person in charge thereof, in the case of a micro or small-sized merchant, the same below). (3)特约商户统一社会信用代码(小微商户为其主要负责人有效身份证件号码,下同);
(d) The merchant account of the merchant. (4)特约商户收单结算账户;
(e) The geographical location of the bank card terminal. (5)银行卡受理终端布放地理位置。
A clearing institution shall check information on the network access of a bank card terminal filed by an acquiring institution and the registration information of the bank card terminal filed by a cooperating manufacturer, and deny network access, if inconsistency is discovered in the check. 清算机构应当及时核验收单机构报送的银行卡受理终端入网信息和合作生产厂商报送的银行卡受理终端登记信息,核验不一致的不得入网。
In principle, a bank card terminal shall have the functionality of location. For a bank card terminal without the functionality of location, an acquiring institution shall ensure that it is used on the permanent business premises of a merchant for lawful and compliant purposes. 原则上银行卡受理终端应当具备定位功能。对于不具备定位功能的银行卡受理终端,收单机构应当确保其被用于特约商户固定经营场所和合法合规用途。
(3) Administration of the withdrawal of bank card terminals. If the acquiring service agreement between an acquiring institution and a merchant terminates, or the merchant applies for discontinuing the use of a bank card terminal, the acquiring institution shall close the business function of the bank card terminal in a timely manner and recover the bank card terminal. If recovery is indeed impossible, the continued closing status of the business function of the bank card terminal shall be ensured. 3.银行卡受理终端退出管理。因收单机构与特约商户收单服务协议终止,或特约商户申请停用银行卡受理终端的,收单机构应当及时关闭银行卡受理终端业务功能,并收回银行卡受理终端。对确实无法收回的,应当确保银行卡受理终端业务功能持续处于关闭状态。
The acquiring institution shall file the deregistration information of the bank card terminal with the clearing institution within two days after closing the business function of the bank card terminal. The clearing institution shall cease providing transfer facilitation and clearing services for the business initiated on the bank card terminal on the date of receipt of the deregistration information of the bank card terminal, until the bank card terminal is granted network access as required. 收单机构应当在关闭银行卡受理终端业务功能后2日内,将银行卡受理终端注销信息报送至清算机构。清算机构应当自收到银行卡受理终端注销信息之日起,停止为该银行卡受理终端发起的业务提供转接清算服务,直至该银行卡受理终端按规定重新入网。
(4) Administration of improvement or replacement of existing bank card terminals. For a bank card terminal granted network access before the issuance of this Notice which does not comply with the provisions of this Notice, the acquiring institution shall improve or replace it within a time limit in accordance with the rules of a clearing institution. 4.存量银行卡受理终端改造或更换管理。对于本通知发布前已办理入网,但不符合本通知规定的银行卡受理终端,收单机构应当按照清算机构规则限期进行改造或更换。
A clearing institution shall formulate its rules of improvement or replacement of bank card terminals having network access, and require acquiring institutions to complete the improvement or replacement of the relevant bank card terminals within a time limit; and if the improvement or replacement is not completed within the time limit, the clearing institution shall suspend its transfer facilitation and clearing services for the business initiated on the relevant bank card terminals. 清算机构应当按照审慎原则制定本机构入网银行卡受理终端改造或更换规则,要求收单机构限期完成对相关银行卡受理终端的改造或更换;逾期未完成的,应当暂停为相关银行卡受理终端发起的业务提供转接清算服务。
2. Barcode payment terminal and related business. (二)条码支付受理终端及相关业务。
(1) Administration of barcode payment terminals. For barcode payment terminals that have the functionality of acquiring multiple pieces of payment information and participating in initiating payment instructions, among others, clearing institutions and acquiring institutions shall establish and improve management rules in accordance with the relevant provisions on bank card terminals, mutatis mutandis, and improve or replace the existing barcode payment terminals that do not comply with the rules within a time limit. An acquiring institution shall establish and file the correlation between the serial number of a barcode payment terminal and the corresponding five aspects of information in accordance with the relevant provisions of this Notice, and ensure the consistency and non-tamperability of the correlation throughout the payment process. 1.条码支付受理终端管理。对于具备采集多项支付信息和参与发起支付指令等功能的条码支付受理终端,清算机构、收单机构应当参照银行卡受理终端相关规定建立健全管理规则,并对不符合规则的存量条码支付受理终端限期进行改造或更换。收单机构应当按照本通知相关规定建立并报送条码支付受理终端序列号与相应5要素信息的关联对应关系,并确保该关联对应关系在支付全流程中的一致性和不可篡改性。
In principle, a barcode payment terminal shall have the functionality of location. For a barcode payment terminal without the functionality of location, an acquiring institution shall ensure that it is used on the permanent business premises of a merchant for lawful and compliant purposes. 原则上条码支付受理终端应当具备定位功能。对于不具备定位功能的条码支付受理终端,收单机构应当确保其被用于特约商户固定经营场所和合法合规用途。
(2) Administration of auxiliary barcode payment terminals. For a barcode scanner, a code display device, a static barcode display medium, or any other auxiliary barcode payment terminal only with the functionality of barcode reading or displaying which does not participate in initiating payment instructions, the acquiring institution shall establish a correlation between the merchant code and the following four aspects of information, and ensure the consistency and non-tamperability of the correlation throughout the payment process: 2.条码支付辅助受理终端管理。对于仅具备条码读取或展示功能、不参与发起支付指令的条码支付扫码设备、显码设备和静态条码展示介质等条码支付辅助受理终端,收单机构应当建立特约商户编码与下述4要素信息的关联对应关系,并确保该关联对应关系在支付全流程中的一致性和不可篡改性:
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