{"id":17751,"date":"2024-08-30T06:05:05","date_gmt":"2024-08-30T06:05:05","guid":{"rendered":"https:\/\/wooshpay.com\/?p=17751"},"modified":"2024-08-30T06:05:06","modified_gmt":"2024-08-30T06:05:06","slug":"how-to-achieve-a-cashless-society-steps-using-indonesias-qris-payments","status":"publish","type":"post","link":"https:\/\/wooshpay.com\/zh\/%e8%b5%84%e6%ba%90\/%e7%9f%a5%e8%af%86\/online-payments\/2024\/08\/30\/how-to-achieve-a-cashless-society-steps-using-indonesias-qris-payments\/","title":{"rendered":"\u5982\u4f55\u5b9e\u73b0\u65e0\u73b0\u91d1\u793e\u4f1a\uff1f\u5370\u5ea6\u5c3c\u897f\u4e9a QRIS \u652f\u4ed8\u7cfb\u7edf\u7684\u4f7f\u7528\u6b65\u9aa4"},"content":{"rendered":"<p><img decoding=\"async\" style=\"display: block; margin: 0 auto;\" src=\"https:\/\/wooshpay-official-img.oss-accelerate.aliyuncs.com\/wp-content\/uploads\/2024\/08\/2024-08-30-05-57-06.png?x-oss-process=style\/webp\" \/><\/p>\n<h2>\u6982\u62ec<\/h2>\n<p>\u5728\u6570\u5b57\u652f\u4ed8\u9886\u57df\uff0c\u968f\u7740QRIS\uff08\u5feb\u901f\u54cd\u5e94\u5370\u5c3c\u6807\u51c6\uff09\u7684\u63a8\u51fa\uff0c\u5370\u5c3c\u5df2\u6210\u4e3a\u4fc3\u8fdb\u65e0\u73b0\u91d1\u793e\u4f1a\u53d1\u5c55\u7684\u5148\u884c\u8005\u3002\u5370\u5c3c\u94f6\u884c\uff08BI\uff09\u548c\u5370\u5c3c\u652f\u4ed8\u7cfb\u7edf\u534f\u4f1a\uff08ASPI\uff09\u4e8e2019\u5e748\u670817\u65e5\u63a8\u51fa\u7684\u8fd9\u4e00\u521b\u65b0\u652f\u4ed8\u7cfb\u7edf\u6781\u5927\u5730\u6539\u53d8\u4e86\u5370\u5c3c\u4eba\u7684\u652f\u4ed8\u65b9\u5f0f\u3002 <a href=\"https:\/\/en.wikipedia.org\/wiki\/Transaction\">\u4ea4\u6613<\/a>\u4f7f\u5176\u66f4\u52a0\u65b9\u4fbf\u3001\u5feb\u6377\u548c\u5b89\u5168\u3002\u5728\u672c\u6587\u4e2d\uff0c\u6211\u4eec\u5c06\u6df1\u5165\u63a2\u8ba8 QRIS \u652f\u4ed8\u7684\u590d\u6742\u6027\uff0c\u63a2\u8ba8\u5176\u8d77\u6e90\u3001\u529f\u80fd\u3001\u5f71\u54cd\u548c\u672a\u6765\u524d\u666f\u3002<\/p>\n<h2>\u5370\u5ea6\u5c3c\u897f\u4e9a QRIS \u4ed8\u6b3e\u7684\u8d77\u6e90<\/h2>\n<h3>\u5386\u53f2\u80cc\u666f<\/h3>\n<p>\"(\u300a\u4e16\u754c\u4eba\u6743\u5ba3\u8a00\u300b) <a href=\"https:\/\/en.wikipedia.org\/wiki\/Digital_economy\">\u6570\u5b57\u7ecf\u6d4e<\/a> \u8fd1\u5e74\u6765\uff0c\u5370\u5c3c\u7684\u65e0\u73b0\u91d1\u652f\u4ed8\u6280\u672f\u53d1\u5c55\u8fc5\u901f\uff0c\u51fa\u73b0\u4e86\u4ee5\u4e0b\u91cd\u5927\u8f6c\u53d8 <a href=\"https:\/\/en.wikipedia.org\/wiki\/Transaction\">\u4ea4\u6613<\/a>.\u8ba4\u8bc6\u5230\u6709\u5fc5\u8981 <a href=\"https:\/\/en.wikipedia.org\/wiki\/Standardization\">\u6807\u51c6<\/a> \u5370\u5ea6\u5c3c\u897f\u4e9a\u94f6\u884c\u548c ASPI \u4e3b\u52a8\u5f00\u53d1\u4e86 QRIS \u652f\u4ed8\u7cfb\u7edf\u3002\u5728 QRIS \u63a8\u51fa\u4e4b\u524d\uff0c\u4e0d\u540c\u652f\u4ed8\u63d0\u4f9b\u5546\u63d0\u4f9b\u7684\u5404\u79cd QR \u7801\u7684\u4f7f\u7528\u9020\u6210\u4e86\u788e\u7247\u5316\u548c\u4e0d\u4fbf\uff0c\u963b\u788d\u4e86\u5168\u56fd\u6570\u5b57\u652f\u4ed8\u7684\u65e0\u7f1d\u6574\u5408\u3002<\/p>\n<h3>\u5370\u5ea6\u5c3c\u897f\u4e9a\u94f6\u884c\u548c ASPI \u7684\u4f5c\u7528<\/h3>\n<p>\u5370\u5ea6\u5c3c\u897f\u4e9a\u94f6\u884c\u548c ASPI \u5728\u5236\u5b9a\u548c\u5b9e\u65bd QRIS \u652f\u4ed8\u65b9\u9762\u53d1\u6325\u4e86\u5173\u952e\u4f5c\u7528\u3002\u5b83\u4eec\u7684\u5408\u4f5c\u65e8\u5728\u521b\u5efa\u4e00\u4e2a\u7edf\u4e00\u7684 QR \u7801\u7cfb\u7edf\uff0c\u4ee5\u7b80\u5316 <a href=\"https:\/\/en.wikipedia.org\/wiki\/Transaction\">\u4ea4\u6613<\/a> \u5bf9\u6d88\u8d39\u8005\u548c\u4f01\u4e1a\u6765\u8bf4\u90fd\u662f\u5982\u6b64\u3002\u901a\u8fc7\u786e\u4fdd\u6807\u51c6\u5316\uff0cQRIS \u5c06\u6d88\u9664\u5bf9\u591a\u4e2a QR \u7801\u7684\u9700\u6c42\uff0c\u5e76\u52a0\u5f3a <a href=\"https:\/\/en.wikipedia.org\/wiki\/Interoperability\">\u4e92\u64cd\u4f5c\u6027<\/a> \u5728\u4e0d\u540c\u7684\u652f\u4ed8\u670d\u52a1\u63d0\u4f9b\u5546\u4e4b\u95f4\u3002<\/p>\n<h3>\u521d\u6b65\u542f\u52a8\u548c\u91c7\u7528<\/h3>\n<p>QRIS \u4e8e 2019 \u5e74 8 \u6708 17 \u65e5\u6b63\u5f0f\u542f\u52a8\uff0c\u6070\u9022\u5370\u5c3c\u72ec\u7acb\u65e5\u3002\u6700\u521d\u7684\u91c7\u7528\u60c5\u51b5\u8912\u8d2c\u4e0d\u4e00\uff0c\u4e00\u4e9b\u7528\u6237\u5f88\u5feb\u5c31\u63a5\u53d7\u4e86\u8fd9\u79cd\u4fbf\u5229\uff0c\u800c\u53e6\u4e00\u4e9b\u7528\u6237\u5219\u9700\u8981\u65f6\u95f4\u6765\u9002\u5e94\u3002\u7136\u800c\uff0c\u5176\u6613\u7528\u6027\u548c\u4e3b\u8981\u91d1\u878d\u673a\u6784\u7684\u652f\u6301\u4f7f\u5176\u91c7\u7528\u7387\u7a33\u6b65\u4e0a\u5347\u3002\u81ea\u6b64\uff0cQRIS \u6210\u4e3a\u5370\u5c3c\u8fc8\u5411\u66f4\u52a0\u6570\u5b57\u5316\u548c\u65e0\u73b0\u91d1\u793e\u4f1a\u7684\u57fa\u77f3\u3002<\/p>\n<h2>QRIS \u7684\u529f\u80fd<\/h2>\n<h3>QRIS \u5982\u4f55\u8fd0\u4f5c<\/h3>\n<p>QRIS \u662f\u5370\u5ea6\u5c3c\u897f\u4e9a\u5feb\u901f\u53cd\u5e94\u6807\u51c6\u7684\u7b80\u79f0\uff0c\u662f\u5370\u5ea6\u5c3c\u897f\u4e9a\u7684\u4e00\u4e2a\u6807\u51c6\u5316 QR \u7801\u652f\u4ed8\u7cfb\u7edf\u3002\u8be5\u7cfb\u7edf\u7edf\u4e00\u4e86\u5370\u5c3c\u4e0d\u540c\u652f\u4ed8\u5e73\u53f0\u4e4b\u524d\u4f7f\u7528\u7684\u5404\u79cd QR \u7801\u3002\u5f53\u7528\u6237\u9009\u62e9\u901a\u8fc7 QRIS \u4ed8\u6b3e\u65f6\uff0c\u53ea\u9700\u4f7f\u7528\u667a\u80fd\u624b\u673a\u7684\u652f\u4ed8\u5e94\u7528\u7a0b\u5e8f\u626b\u63cf\u5546\u5bb6\u663e\u793a\u7684 QR \u7801\u5373\u53ef\u3002\u7136\u540e\uff0c\u7cfb\u7edf\u4f1a\u901a\u8fc7\u7528\u6237\u7684\u94fe\u63a5\u94f6\u884c\u8d26\u6237\u6216\u6570\u5b57\u94b1\u5305\u5b9e\u65f6\u5904\u7406\u4ed8\u6b3e\u3002\u8fd9\u79cd\u65e0\u7f1d\u6d41\u7a0b\u51cf\u5c11\u4e86\u7ba1\u7406\u591a\u4e2a QR \u7801\u9605\u8bfb\u5668\u7684\u9700\u8981\uff0c\u4fc3\u8fdb\u4e86\u8fde\u8d2f\u7684\u652f\u4ed8\u4f53\u9a8c\u3002<\/p>\n<p>\u5728\u6280\u672f\u6d41\u7a0b\u65b9\u9762\uff0c\u5f53\u626b\u63cf QR \u7801\u65f6\uff0cQRIS \u7cfb\u7edf\u4f1a\u5bf9\u652f\u4ed8\u6570\u636e\u8fdb\u884c\u52a0\u5bc6\uff0c\u5e76\u4e0e\u4e2d\u592e\u670d\u52a1\u5668\u8fdb\u884c\u4ea4\u4e92\uff0c\u4ee5\u9a8c\u8bc1\u4ea4\u6613\uff0c\u786e\u4fdd\u4ed8\u6b3e\u4eba\u548c\u6536\u6b3e\u4eba\u7684\u8be6\u7ec6\u4fe1\u606f\u4e00\u81f4\uff0c\u5e76\u786e\u4fdd\u4ea4\u6613\u5df2\u83b7\u6388\u6743\u3002\u8be5\u7cfb\u7edf\u4f7f\u6574\u4e2a\u8fc7\u7a0b\u65e2\u8fc5\u901f\u53c8\u5b89\u5168\uff0c\u4ece\u800c\u4f7f QRIS \u652f\u4ed8\u8d8a\u6765\u8d8a\u53d7\u6b22\u8fce\u3002<\/p>\n<h3>\u4e0e\u73b0\u6709\u652f\u4ed8\u7cfb\u7edf\u96c6\u6210<\/h3>\n<p>QRIS \u652f\u4ed8\u7684\u9b45\u529b\u5728\u4e8e\u5b83\u80fd\u591f\u4e0e\u5370\u5c3c\u73b0\u6709\u7684\u652f\u4ed8\u7cfb\u7edf\u65e0\u7f1d\u96c6\u6210\u3002GoPay\u3001OVO \u548c Dana \u7b49\u4e3b\u8981\u516c\u53f8\u5df2\u5c06 QRIS \u6807\u51c6\u7eb3\u5165\u5176\u5e73\u53f0\uff0c\u4f7f\u6d88\u8d39\u8005\u53ef\u4ee5\u7075\u6d3b\u5730\u7ee7\u7eed\u4f7f\u7528\u81ea\u5df1\u559c\u6b22\u7684\u670d\u52a1\u3002\u901a\u8fc7\u534f\u8c03\u8fd9\u4e9b\u670d\u52a1\uff0cQRIS \u4fc3\u8fdb\u4e86\u4e92\u64cd\u4f5c\u6027\uff0c\u4e3a\u7528\u6237\u548c\u5546\u5bb6\u63d0\u4f9b\u4e86\u66f4\u591a\u4fbf\u5229\u3002\u81ea\u63a8\u51fa\u4ee5\u6765\uff0cQRIS \u4e0e\u5176\u4ed6\u6570\u5b57\u652f\u4ed8\u7cfb\u7edf\u7684\u5e7f\u6cdb\u517c\u5bb9\u6027\u4e00\u76f4\u662f\u5176\u6700\u5177\u5438\u5f15\u529b\u7684\u7279\u70b9\u4e4b\u4e00\u3002\u6b64\u5916\uff0c\u5b83\u8fd8\u4f7f\u94f6\u884c\u4e1a\u5728\u5904\u7406\u6570\u5b57\u4ea4\u6613\u65f6\u66f4\u5177\u51dd\u805a\u529b\u3002\u94f6\u884c\u548c\u91d1\u878d\u673a\u6784\u53ef\u4ee5\u4e3a\u5ba2\u6237\u63d0\u4f9b\u4f20\u7edf\u652f\u4ed8\u65b9\u5f0f\u4e4b\u5916\u7684\u53e6\u4e00\u79cd\u652f\u4ed8\u65b9\u5f0f\uff0c\u51cf\u5c11\u5ba2\u6237\u5bf9\u73b0\u91d1\u4ea4\u6613\u7684\u4f9d\u8d56\u3002<\/p>\n<h3>\u7528\u6237\u4f53\u9a8c\u548c\u6613\u7528\u6027<\/h3>\n<p>QRIS \u652f\u4ed8\u7684\u7528\u6237\u4f53\u9a8c\u4ee5\u7b80\u5355\u3001\u9ad8\u6548\u4e3a\u8bbe\u8ba1\u7406\u5ff5\uff0c\u53ef\u6ee1\u8db3\u6240\u6709\u4eba\u7fa4\u7684\u9700\u6c42\u3002\u5bf9\u4e8e\u7528\u6237\u6765\u8bf4\uff0c\u53ea\u9700\u6253\u5f00\u81ea\u5df1\u559c\u6b22\u7684\u652f\u4ed8\u5e94\u7528\u7a0b\u5e8f\uff0c\u9009\u62e9 QRIS \u9009\u9879\uff0c\u7136\u540e\u626b\u63cf\u5546\u6237\u7684\u4e8c\u7ef4\u7801\u5373\u53ef\u3002\u4ed6\u4eec\u4f1a\u7acb\u5373\u6536\u5230\u4ea4\u6613\u786e\u8ba4\uff0c\u4f53\u9a8c\u8f7b\u677e\u65e0\u5fe7\u3002\u5bf9\u4e8e\u5546\u5bb6\u6765\u8bf4\uff0c\u8bbe\u7f6e\u8fc7\u7a0b\u540c\u6837\u7b80\u5355\u660e\u4e86\u3002\u4ed6\u4eec\u53ea\u9700\u751f\u6210\u4e00\u4e2a QRIS \u4ee3\u7801\uff0c\u5373\u53ef\u6253\u5370\u6216\u4ee5\u6570\u5b57\u5f62\u5f0f\u663e\u793a\u5728\u9500\u552e\u70b9\u3002\u8fd9\u79cd\u6613\u7528\u6027\u9f13\u52b1\u4e86\u8bb8\u591a\u4e2d\u5c0f\u578b\u4f01\u4e1a\uff08SMEs\uff09\u91c7\u7528 QRIS \u7cfb\u7edf\uff0c\u901a\u8fc7\u5bb9\u7eb3\u4e0d\u540c\u7684\u6570\u5b57\u94b1\u5305\u63d0\u4f9b\u5546\uff0c\u8ba9\u5b83\u4eec\u83b7\u5f97\u66f4\u5e7f\u6cdb\u7684\u5ba2\u6237\u7fa4\u3002\u79bb\u7ebf\u652f\u4ed8\u529f\u80fd\u662f\u8fdb\u4e00\u6b65\u63d0\u9ad8\u7528\u6237\u4fbf\u5229\u6027\u7684\u5173\u952e\u56e0\u7d20\u4e4b\u4e00\u3002\u8bb8\u591a\u4e0e QRIS \u517c\u5bb9\u7684\u5e94\u7528\u7a0b\u5e8f\u90fd\u652f\u6301\u79bb\u7ebf QR \u7801\uff0c\u5373\u4f7f\u5728\u6ca1\u6709\u4e92\u8054\u7f51\u8fde\u63a5\u7684\u60c5\u51b5\u4e0b\u4e5f\u80fd\u8fdb\u884c\u4ea4\u6613\u3002\u8fd9\u5728\u7f51\u7edc\u8fde\u63a5\u6709\u9650\u7684\u5730\u533a\u5c24\u4e3a\u6709\u5229\uff0c\u4f7f QRIS \u652f\u4ed8\u6210\u4e3a\u73b0\u91d1\u7684\u53ef\u9760\u66ff\u4ee3\u54c1\u3002<\/p>\n<h2>\u5bf9\u6570\u5b57\u7ecf\u6d4e\u7684\u5f71\u54cd<\/h2>\n<h3>\u4fc3\u8fdb\u6570\u5b57\u4ea4\u6613<\/h3>\n<p>\u5370\u5ea6\u5c3c\u897f\u4e9a\u5f15\u5165\u7684 QRIS \u652f\u4ed8\u5927\u5927\u4fc3\u8fdb\u4e86\u6570\u5b57\u652f\u4ed8\u7684\u53d1\u5c55\u3002 <a href=\"https:\/\/en.wikipedia.org\/wiki\/Transaction\">\u4ea4\u6613<\/a> \u5728\u5168\u56fd\u8303\u56f4\u5185\u3002\u5728 QRIS \u7cfb\u7edf\u63a8\u51fa\u4e4b\u524d\uff0c\u6570\u5b57\u652f\u4ed8\u9886\u57df\u975e\u5e38\u5206\u6563\uff0c\u5404\u79cd\u5e73\u53f0\u548c\u6807\u51c6\u7ed9\u5546\u5bb6\u548c\u6d88\u8d39\u8005\u9020\u6210\u4e86\u56f0\u60d1\u3002QRIS \u7cfb\u7edf\u6709\u6548\u5730\u5c06\u8fd9\u4e9b\u4e0d\u540c\u7684\u7cfb\u7edf\u7edf\u4e00\u4e3a\u4e00\u4e2a\u5355\u4e00\u7684\u7cfb\u7edf\u3001 <a href=\"https:\/\/en.wikipedia.org\/wiki\/Standardization\">\u6807\u51c6<\/a> \u65b9\u6cd5\uff0c\u4f7f\u6570\u5b57 <a href=\"https:\/\/en.wikipedia.org\/wiki\/Transaction\">\u4ea4\u6613<\/a> \u6bcf\u4e2a\u4eba\u90fd\u80fd\u66f4\u5bb9\u6613\u3001\u66f4\u65b9\u4fbf\u5730\u4f7f\u7528\u6570\u5b57\u652f\u4ed8\u3002\u8fd9\u79cd\u6807\u51c6\u5316\u5bfc\u81f4\u6570\u5b57\u652f\u4ed8\u6025\u5267\u589e\u52a0\uff0c\u8fdb\u4e00\u6b65\u52a0\u5feb\u4e86\u5411\u65e0\u73b0\u91d1\u793e\u4f1a\u7684\u8f6c\u53d8\u3002<\/p>\n<h3>\u589e\u5f3a\u91d1\u878d\u5305\u5bb9\u6027<\/h3>\n<p>QRIS \u4ed8\u6b3e\u5728\u52a0\u5f3a\u4ee5\u4e0b\u65b9\u9762\u4e5f\u53d1\u6325\u4e86\u91cd\u8981\u4f5c\u7528 <a href=\"https:\/\/en.wikipedia.org\/wiki\/Financial_inclusion\">\u666e\u60e0\u91d1\u878d<\/a> \u5728\u5370\u5ea6\u5c3c\u897f\u4e9a\u3002\u901a\u8fc7\u63d0\u4f9b\u7b80\u5355\u3001\u5b89\u5168\u7684\u6570\u5b57\u652f\u4ed8\u65b9\u6cd5\uff0cQRIS \u4f7f\u8fc7\u53bb\u65e0\u6cd5\u83b7\u5f97\u4f20\u7edf\u94f6\u884c\u670d\u52a1\u7684\u4e2a\u4eba\u6709\u53ef\u80fd\u53c2\u4e0e <a href=\"https:\/\/en.wikipedia.org\/wiki\/Digital_economy\">\u6570\u5b57\u7ecf\u6d4e<\/a>.\u8fd9\u5bf9\u4e8e\u94f6\u884c\u57fa\u7840\u8bbe\u65bd\u6709\u9650\u7684\u519c\u6751\u548c\u670d\u52a1\u6b20\u7f3a\u5730\u533a\u5c24\u4e3a\u91cd\u8981\u3002\u6709\u4e86 QRIS\uff0c\u7528\u6237\u53ea\u9700\u4e00\u90e8\u667a\u80fd\u624b\u673a\u5c31\u80fd\u8fdb\u884c\u652f\u4ed8\u548c\u6536\u6b3e\uff0c\u4ece\u800c\u6253\u7834\u4e86\u4ee5\u4e0b\u969c\u788d <a href=\"https:\/\/en.wikipedia.org\/wiki\/Financial_inclusion\">\u666e\u60e0\u91d1\u878d<\/a>.<\/p>\n<h3>\u652f\u6301\u4e2d\u5c0f\u4f01\u4e1a\uff08SMEs\uff09<\/h3>\n<p>\u4e2d\u5c0f\u4f01\u4e1a<a href=\"https:\/\/en.wikipedia.org\/wiki\/SME\">\u4e2d\u5c0f\u578b\u4f01\u4e1a<\/a>)\u662f\u5370\u5c3c\u7ecf\u6d4e\u7684\u652f\u67f1\uff0c\u800c\u5feb\u901f\u53cd\u5e94\u6838\u5b9e\u7cfb\u7edf\u652f\u4ed8\u7684\u8d39\u7528\u4f7f\u8fd9\u4e00\u90e8\u95e8\u53d7\u76ca\u532a\u6d45\u3002\u4f20\u7edf\u4e0a <a href=\"https:\/\/en.wikipedia.org\/wiki\/SME\">\u4e2d\u5c0f\u578b\u4f01\u4e1a<\/a> \u7531\u4e8e\u9ad8\u6602\u7684\u4ea4\u6613\u8d39\u7528\u548c\u5bf9\u4e13\u4e1a\u786c\u4ef6\u7684\u9700\u6c42\uff0c\u8fd9\u4e9b\u56fd\u5bb6\u5728\u91c7\u7528\u6570\u5b57\u652f\u4ed8\u7cfb\u7edf\u65b9\u9762\u9762\u4e34\u6311\u6218\u3002QRIS \u901a\u8fc7\u63d0\u4f9b\u53ea\u9700\u4e00\u4e2a QR \u7801\u548c\u4e00\u90e8\u667a\u80fd\u624b\u673a\u7684\u4f4e\u6210\u672c\u89e3\u51b3\u65b9\u6848\uff0c\u6d88\u9664\u4e86\u8fd9\u4e9b\u969c\u788d\u3002\u8fd9\u4f7f\u5f97 <a href=\"https:\/\/en.wikipedia.org\/wiki\/SME\">\u4e2d\u5c0f\u578b\u4f01\u4e1a<\/a> \u65e0\u9700\u5927\u91cf\u6295\u8d44\u5373\u53ef\u5b9e\u73b0\u652f\u4ed8\u6d41\u7a0b\u7684\u73b0\u4ee3\u5316\uff0c\u4ece\u800c\u66f4\u6709\u6548\u5730\u53c2\u4e0e\u5e02\u573a\u7ade\u4e89\u3002 <a href=\"https:\/\/en.wikipedia.org\/wiki\/Digital_economy\">\u6570\u5b57\u7ecf\u6d4e<\/a>.\u6b64\u5916\uff0cQRIS \u7684\u7b80\u4fbf\u6027\u548c\u4fbf\u5229\u6027\u4e5f\u5438\u5f15\u4e86\u66f4\u591a\u7684\u5ba2\u6237\u4f7f\u7528\u5b83\u3002 <a href=\"https:\/\/en.wikipedia.org\/wiki\/SME\">\u4e2d\u5c0f\u578b\u4f01\u4e1a<\/a>\u4ece\u800c\u63d0\u9ad8\u9500\u552e\u989d\u548c\u6536\u5165\u3002<\/p>\n<h2>\u5b89\u5168\u4e0e\u9632\u6b3a\u8bc8<\/h2>\n<h3>\u5185\u7f6e\u5b89\u5168\u529f\u80fd<\/h3>\n<p>\u5370\u5c3c\u7684 QRIS \u652f\u4ed8\u7cfb\u7edf\u7ecf\u8fc7\u7cbe\u5fc3\u8bbe\u8ba1\uff0c\u5177\u6709\u4f17\u591a\u5185\u7f6e\u5b89\u5168\u529f\u80fd\uff0c\u53ef\u786e\u4fdd\u5b89\u5168\u65e0\u865e\u3002 <a href=\"https:\/\/en.wikipedia.org\/wiki\/Transaction\">\u4ea4\u6613<\/a>.\u8fd9\u4e9b\u529f\u80fd\u5305\u62ec\u7aef\u5230\u7aef <a href=\"https:\/\/en.wikipedia.org\/wiki\/Encryption\">\u52a0\u5bc6<\/a>\u53cc\u56e0\u7d20\u8eab\u4efd\u9a8c\u8bc1 (2FA) \u548c\u5b9a\u671f\u5b89\u5168\u5ba1\u8ba1\u3002\u5b89\u5168 <a href=\"https:\/\/en.wikipedia.org\/wiki\/Encryption\">\u52a0\u5bc6<\/a> 2FA \u6280\u672f\u53ef\u4fdd\u62a4\u654f\u611f\u6570\u636e\u7684\u5b89\u5168\uff0c\u800c 2FA \u5219\u8981\u6c42\u5728\u5b8c\u6210\u4ea4\u6613\u524d\u63d0\u4f9b\u7b2c\u4e8c\u79cd\u8eab\u4efd\u9a8c\u8bc1\u65b9\u5f0f\uff0c\u5982\u751f\u7269\u7279\u5f81\u626b\u63cf\u6216\u77ed\u4fe1\u9a8c\u8bc1\uff0c\u4ece\u800c\u589e\u52a0\u4e86\u4e00\u5c42\u5b89\u5168\u4fdd\u969c\u3002\u7531\u6388\u6743\u673a\u6784\u8fdb\u884c\u7684\u5b9a\u671f\u5b89\u5168\u5ba1\u8ba1\u53ef\u786e\u4fdd\u7cfb\u7edf\u7b26\u5408\u8f83\u9ad8\u7684\u5b89\u5168\u6807\u51c6\uff0c\u4f7f QRIS \u6210\u4e3a\u6d88\u8d39\u8005\u548c\u4f01\u4e1a\u503c\u5f97\u4fe1\u8d56\u7684\u5e73\u53f0\u3002<\/p>\n<h3>\u53cd\u6b3a\u8bc8\u63aa\u65bd<\/h3>\n<p>\u5370\u5c3c\u94f6\u884c\uff08BI\uff09\u548c\u5370\u5c3c\u652f\u4ed8\u7cfb\u7edf\u534f\u4f1a\uff08ASPI\uff09\u5728 QRIS \u652f\u4ed8\u7cfb\u7edf\u5185\u5b9e\u65bd\u4e86\u5f3a\u6709\u529b\u7684\u9632\u6b3a\u8bc8\u63aa\u65bd\u3002\u8fd9\u4e9b\u63aa\u65bd\u5305\u62ec\u5b9e\u65f6\u4ea4\u6613\u76d1\u63a7\u3001\u53cd\u6b3a\u8bc8\u7cfb\u7edf\u548c\u6301\u7eed\u7684\u7528\u6237\u6559\u80b2\u6d3b\u52a8\u3002\u5b9e\u65f6\u4ea4\u6613\u76d1\u63a7\u6709\u52a9\u4e8e\u7acb\u5373\u8bc6\u522b\u548c\u6807\u8bb0\u4efb\u4f55\u53ef\u7591\u6d3b\u52a8\uff0c\u9632\u6b62\u6b3a\u8bc8\u884c\u4e3a\u3002 <a href=\"https:\/\/en.wikipedia.org\/wiki\/Transaction\">\u4ea4\u6613<\/a> \u9632\u6b3a\u8bc8\u7cfb\u7edf\u6574\u5408\u4e86\u673a\u5668\u5b66\u4e60\u529f\u80fd\uff0c\u53ef\u5728\u6b3a\u8bc8\u53d1\u751f\u4e4b\u524d\u53cd\u6b3a\u8bc8\u7cfb\u7edf\u96c6\u6210\u4e86\u673a\u5668\u5b66\u4e60 <a href=\"https:\/\/en.wikipedia.org\/wiki\/Algorithm\">\u7b97\u6cd5<\/a> \u8be5\u7cfb\u7edf\u901a\u8fc7\u5206\u6790\u4ea4\u6613\u6a21\u5f0f\u6765\u53d1\u73b0\u548c\u6253\u51fb\u6b3a\u8bc8\u884c\u4e3a\u3002\u6b64\u5916\uff0c\u6301\u7eed\u5f00\u5c55\u7684\u7528\u6237\u6559\u80b2\u8ba1\u5212\u4f7f\u6d88\u8d39\u8005\u548c\u5546\u6237\u638c\u63e1\u4e86\u8bc6\u522b\u548c\u907f\u514d\u5e38\u89c1\u6b3a\u8bc8\u624b\u6bb5\u7684\u77e5\u8bc6\uff0c\u8fdb\u4e00\u6b65\u589e\u5f3a\u4e86 QRIS \u7cfb\u7edf\u7684\u5b89\u5168\u6027\u3002<\/p>\n<h3>\u7528\u6237\u4fe1\u4efb\u548c\u4fe1\u5fc3<\/h3>\n<p>\u5370\u5c3c QRIS \u652f\u4ed8\u7cfb\u7edf\u7684\u6210\u529f\u5728\u5f88\u5927\u7a0b\u5ea6\u4e0a\u53d6\u51b3\u4e8e\u7528\u6237\u7684\u4fe1\u4efb\u548c\u4fe1\u5fc3\u3002\u901a\u8fc7\u4f18\u5148\u8003\u8651\u5b89\u5168\u529f\u80fd\u548c\u5b9e\u65bd\u5168\u9762\u7684\u9632\u6b3a\u8bc8\u63aa\u65bd\uff0cBI \u548c ASPI \u80fd\u591f\u5728\u7528\u6237\u4e2d\u57f9\u517b\u9ad8\u5ea6\u7684\u4fe1\u4efb\u3002\u8fd9\u79cd\u4fe1\u4efb\u4f53\u73b0\u5728 QRIS \u5728\u65e5\u5e38\u652f\u4ed8\u4e2d\u65e5\u76ca\u589e\u957f\u7684\u91c7\u7528\u7387\u4e0a\u3002 <a href=\"https:\/\/en.wikipedia.org\/wiki\/Transaction\">\u4ea4\u6613<\/a>.\u5b89\u5168 <a href=\"https:\/\/en.wikipedia.org\/wiki\/Transaction\">\u4ea4\u6613<\/a> \u8fd9\u5bf9\u7ef4\u6301\u8fd9\u79cd\u4fe1\u4efb\u81f3\u5173\u91cd\u8981\uff0c\u5c24\u5176\u662f\u5728\u4e00\u4e2a <a href=\"https:\/\/en.wikipedia.org\/wiki\/Digital_economy\">\u6570\u5b57\u7ecf\u6d4e<\/a> \u7f51\u7edc\u5b89\u5168\u5a01\u80c1\u65e5\u65b0\u6708\u5f02\u3002\u5728\u89e3\u51b3\u5b89\u5168\u95ee\u9898\u65b9\u9762\u7684\u5b9a\u671f\u66f4\u65b0\u548c\u900f\u660e\u5ea6\u4e5f\u5728\u7ef4\u62a4\u7528\u6237\u4fe1\u5fc3\u65b9\u9762\u53d1\u6325\u7740\u81f3\u5173\u91cd\u8981\u7684\u4f5c\u7528\u3002<\/p>\n<h2>\u6311\u6218\u4e0e\u5c40\u9650<\/h2>\n<h3>\u6280\u672f\u969c\u788d<\/h3>\n<p>\u5370\u5c3c QRIS \u652f\u4ed8\u7cfb\u7edf\u7684\u5b9e\u65bd\u867d\u7136\u5177\u6709\u9769\u547d\u6027\u610f\u4e49\uff0c\u4f46\u4e5f\u9762\u4e34\u7740\u4e00\u4e9b\u6280\u672f\u6311\u6218\u3002\u5176\u4e2d\u4e00\u4e2a\u91cd\u5927\u969c\u788d\u662f\u5168\u56fd\u5404\u5730\u4e92\u8054\u7f51\u8fde\u63a5\u7684\u4e00\u81f4\u6027\u548c\u53ef\u9760\u6027\u3002\u5728\u519c\u6751\u548c\u504f\u8fdc\u5730\u533a\uff0c\u53ef\u80fd\u7f3a\u4e4f\u6570\u5b57\u57fa\u7840\u8bbe\u65bd\u3001 <a href=\"https:\/\/en.wikipedia.org\/wiki\/Transaction\">\u4ea4\u6613<\/a> \u53ef\u80fd\u4f1a\u5ef6\u8fdf\u751a\u81f3\u5931\u8d25\u3002\u8fd9\u79cd\u4e0d\u4e00\u81f4\u6027\u4f1a\u59a8\u788d\u5e7f\u6cdb\u5e94\u7528\uff0c\u5e76\u7ed9\u7528\u6237\u548c\u5546\u5bb6\u5e26\u6765\u53ef\u9760\u6027\u95ee\u9898\u3002<\/p>\n<h3>\u5e02\u573a\u6e17\u900f\u95ee\u9898<\/h3>\n<p>QRIS \u652f\u4ed8\u9762\u4e34\u7684\u53e6\u4e00\u4e2a\u6311\u6218\u662f\u5b9e\u73b0\u6df1\u5165\u7684\u5e02\u573a\u6e17\u900f\u3002\u5c3d\u7ba1\u5370\u5c3c\u57ce\u5e02\u91c7\u7528\u6570\u5b57\u652f\u4ed8\u7684\u901f\u5ea6\u5f88\u5feb\uff0c\u4f46\u8981\u8986\u76d6\u5176\u5e45\u5458\u8fbd\u9614\u7684\u7fa4\u5c9b\u4e0a\u7684\u5404\u7c7b\u4eba\u53e3\uff0c\u4ecd\u662f\u4e00\u9879\u8270\u5de8\u7684\u4efb\u52a1\u3002\u8bb8\u591a\u4f01\u4e1a\uff0c\u5c24\u5176\u662f\u6b20\u53d1\u8fbe\u5730\u533a\u7684\u4f01\u4e1a\uff0c\u4ecd\u7136\u4f9d\u8d56\u73b0\u91d1\uff0c\u53ef\u80fd\u4f1a\u62b5\u5236\u5411\u6570\u5b57\u652f\u4ed8\u8fc7\u6e21\u3002\u6b64\u5916\uff0c\u8001\u4e00\u4ee3\u4eba\u53ef\u80fd\u4f1a\u53d1\u73b0\u5f88\u96be\u9002\u5e94\u65b0\u6280\u672f\uff0c\u56e0\u6b64\u901a\u8fc7\u6559\u80b2\u548c\u652f\u6301\u6765\u7f29\u5c0f\u5dee\u8ddd\u81f3\u5173\u91cd\u8981\u3002<\/p>\n<h3>\u7528\u6237\u9002\u5e94\u6027\u548c\u6559\u80b2<\/h3>\n<p>\u7528\u6237\u9002\u5e94\u6027\u662f\u5f71\u54cd QRIS \u652f\u4ed8\u7cfb\u7edf\u6709\u6548\u6027\u7684\u53e6\u4e00\u4e2a\u91cd\u8981\u65b9\u9762\u3002\u5e74\u8f7b\u3001\u7cbe\u901a\u6280\u672f\u7684\u4eba\u53ef\u80fd\u4f1a\u89c9\u5f97 QRIS \u7cfb\u7edf\u7b80\u5355\u660e\u4e86\uff0c\u4f46\u5e74\u957f\u7684\u516c\u6c11\u548c\u4e0d\u592a\u719f\u6089\u667a\u80fd\u624b\u673a\u7684\u4eba\u53ef\u80fd\u4f1a\u611f\u5230\u5403\u529b\u3002\u8981\u786e\u4fdd\u6240\u6709\u7528\u6237\u7fa4\u4f53\u90fd\u4e86\u89e3\u5982\u4f55\u6709\u6548\u4f7f\u7528 QRIS\uff0c\u6559\u80b2\u548c\u5168\u9762\u6307\u5bfc\u5fc5\u4e0d\u53ef\u5c11\u3002\u5728\u8fd9\u65b9\u9762\uff0c\u5ba3\u4f20\u6d3b\u52a8\u548c\u7528\u6237\u6559\u7a0b\u53ef\u4ee5\u63d0\u4f9b\u5f88\u5927\u5e2e\u52a9\uff0c\u4fc3\u8fdb\u6570\u5b57\u652f\u4ed8\u7684\u4f7f\u7528\u66f4\u5177\u5305\u5bb9\u6027\u3002<\/p>\n<h2>QRIS \u4ed8\u6b3e\u7684\u672a\u6765\u524d\u666f<\/h2>\n<h3>\u6269\u5c55\u6f5c\u529b<\/h3>\n<p>\u5370\u5c3c\u7684 QRIS 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This innovative payment system, launched by Bank Indonesia (BI) and the Indonesian Payment Systems Association (ASPI) on August 17, 2019, has significantly transformed the way Indonesians conduct transactions, [&hellip;]<\/p>","protected":false},"author":5,"featured_media":17750,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_uag_custom_page_level_css":"","footnotes":""},"categories":[22],"tags":[1923,1496,1922,91,606],"class_list":["post-17751","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-online-payments","tag-banking-sector","tag-digital-economy","tag-indonesias-qris-payments","tag-payment-system","tag-secure-transactions"],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v20.8 (Yoast SEO v24.9) - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>How to Achieve a Cashless Society: Steps Using Indonesia&#039;s QRIS Payments - WooshPay<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/wooshpay.com\/zh\/\u8d44\u6e90\/\u77e5\u8bc6\/online-payments\/2024\/08\/30\/how-to-achieve-a-cashless-society-steps-using-indonesias-qris-payments\/\" \/>\n<meta property=\"og:locale\" content=\"zh_CN\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"How to Achieve a Cashless Society: Steps Using Indonesia&#039;s QRIS Payments\" \/>\n<meta property=\"og:description\" content=\"Introduction In the realm of digital payments, Indonesia has emerged as a forerunner in fostering a cashless society with the introduction of QRIS (Quick Response Indonesian Standard). 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