{"id":4172,"date":"2025-12-22T21:04:02","date_gmt":"2025-12-22T13:04:02","guid":{"rendered":"https:\/\/www.deekpay.com\/?p=4172"},"modified":"2025-12-22T21:04:02","modified_gmt":"2025-12-22T13:04:02","slug":"%e5%8d%b0%e5%ba%a6%e5%94%a4%e9%86%92%e6%94%af%e4%bb%98%e5%9c%a8%e6%94%af%e4%bb%98%e9%93%be%e8%b7%af%e4%b8%ad%e7%9a%84%e4%bd%8d%e7%bd%ae","status":"publish","type":"post","link":"https:\/\/www.deekpay.com\/en\/2025\/12\/22\/%e5%8d%b0%e5%ba%a6%e5%94%a4%e9%86%92%e6%94%af%e4%bb%98%e5%9c%a8%e6%94%af%e4%bb%98%e9%93%be%e8%b7%af%e4%b8%ad%e7%9a%84%e4%bd%8d%e7%bd%ae\/","title":{"rendered":"\u5370\u5ea6\u5524\u9192\u652f\u4ed8\u5728\u652f\u4ed8\u94fe\u8def\u4e2d\u7684\u4f4d\u7f6e"},"content":{"rendered":"<p style=\"text-align:center\"><img decoding=\"async\" src=\"https:\/\/ts79.mm.bing.net\/th?q=phonepe78\" alt=\"\u5370\u5ea6\u5524\u9192\u652f\u4ed8\u5728\u652f\u4ed8\u94fe\u8def\u4e2d\u7684\u4f4d\u7f6e\" title=\"\u5370\u5ea6\u5524\u9192\u652f\u4ed8\u5728\u652f\u4ed8\u94fe\u8def\u4e2d\u7684\u4f4d\u7f6e\"><\/p>\n<h1>\u5370\u5ea6\u5524\u9192\u652f\u4ed8\u5728\u652f\u4ed8\u94fe\u8def\u4e2d\u7684\u5173\u952e\u4f4d\u7f6e\u4e0e\u4f5c\u7528\u5206\u6790<\/h1>\n<h2>\u5f15\u8a00\uff1a\u6570\u5b57\u652f\u4ed8\u9769\u547d\u4e2d\u7684\u5370\u5ea6\u5e02\u573a<\/h2>\n<p>\u8fd1\u5e74\u6765\uff0c\u5370\u5ea6\u6570\u5b57\u652f\u4ed8\u751f\u6001\u7cfb\u7edf\u7ecf\u5386\u4e86\u7206\u70b8\u5f0f\u589e\u957f\uff0c\u5176\u4e2d\u201c\u5524\u9192\u652f\u4ed8\u201d\u4f5c\u4e3a\u5173\u952e\u6280\u672f\u73af\u8282\uff0c\u6b63\u5728\u91cd\u5851\u8be5\u56fd\u7684\u91d1\u878d\u4ea4\u6613\u683c\u5c40\u3002\u672c\u6587\u5c06\u4ece\u6280\u672f\u67b6\u6784\u3001\u6d41\u7a0b\u5b9a\u4f4d\u548c\u5e02\u573a\u5f71\u54cd\u4e09\u4e2a\u7ef4\u5ea6\u6df1\u5165\u63a2\u8ba8\u5524\u9192\u652f\u4ed8\u5728\u5370\u5ea6\u652f\u4ed8\u94fe\u8def\u4e2d\u7684\u6838\u5fc3\u4f4d\u7f6e\uff0c\u4e3a\u8bfb\u8005\u63d0\u4f9b\u5168\u9762\u800c\u4e13\u4e1a\u7684\u89e3\u6790\u3002<\/p>\n<h2>\u4e00\u3001\u4ec0\u4e48\u662f\u5524\u9192\u652f\u4ed8\uff1f\u57fa\u7840\u6982\u5ff5\u89e3\u6790<\/h2>\n<p>\u5524\u9192\u652f\u4ed8\uff08Wake-up Payment\uff09\u662f\u5370\u5ea6\u7edf\u4e00\u4ed8\u6b3e\u63a5\u53e3\uff08UPI\uff09\u7cfb\u7edf\u4e2d\u7684\u4e00\u79cd\u521b\u65b0\u529f\u80fd\uff0c\u5141\u8bb8\u6536\u6b3e\u65b9\u4e3b\u52a8\u53d1\u8d77\u4ed8\u6b3e\u8bf7\u6c42\u3002\u4e0e\u4f20\u7edf\u652f\u4ed8\u65b9\u5f0f\u4e0d\u540c\uff0c\u5728\u8fd9\u79cd\u6a21\u5f0f\u4e0b\uff0c\u5546\u6237\u6216\u4e2a\u4eba\u53ef\u4ee5\u901a\u8fc7\u751f\u6210\u7279\u5b9a\u94fe\u63a5\u6216\u4e8c\u7ef4\u7801\uff0c\u201c\u5524\u9192\u201d\u4ed8\u6b3e\u65b9\u7684\u6388\u6743\u6d41\u7a0b\u3002\u8fd9\u79cd\u673a\u5236\u5c06\u4ea4\u6613\u4e3b\u52a8\u6743\u90e8\u5206\u8f6c\u79fb\u81f3\u6536\u6b3e\u65b9\uff0c\u540c\u65f6\u4fdd\u6301\u6700\u7ec8\u6388\u6743\u6743\u5728\u4ed8\u6b3e\u4eba\u624b\u4e2d\u3002<\/p>\n<p>\u4ece\u6280\u672f\u5c42\u9762\u770b\uff0c\u5524\u9192\u652f\u4ed8\u7684\u5b9e\u73b0\u4f9d\u8d56\u4e8eUPI\u7684\u201c\u6536\u96c6\u8bf7\u6c42\u201d\uff08Collect Request\uff09\u529f\u80fd\u3002\u5f53\u6536\u6b3e\u65b9\u5411\u4ed8\u6b3e\u65b9\u53d1\u9001\u8bf7\u6c42\u540e\uff0c\u540e\u8005\u4f1a\u5728\u5176\u94f6\u884c\u6216UPI\u5e94\u7528\u4e2d\u6536\u5230\u901a\u77e5\u63d0\u793a\uff1b\u53ea\u6709\u7ecf\u8fc7\u786e\u8ba4\u6279\u51c6\u540e\u8d44\u91d1\u624d\u4f1a\u8f6c\u79fb\u3002\u8fd9\u4e00\u8bbe\u8ba1\u5de7\u5999\u5e73\u8861\u4e86\u4fbf\u5229\u6027\u4e0e\u5b89\u5168\u6027\u9700\u6c42\u3002<\/p>\n<h2>\u4e8c\u3001\u5728\u5b8c\u6574\u4ea4\u6613\u94fe\u8def\u4e2d\u7684\u6218\u7565\u4f4d\u7f6e<\/h2>\n<h3>1. <strong>\u542f\u52a8\u9636\u6bb5\uff1a\u4ea4\u6613\u89e6\u53d1\u70b9<\/strong><\/h3>\n<ul>\n<li><strong>\u4f20\u7edf\u6a21\u5f0f<\/strong>\uff1a\u7531\u4ed8\u6b3e\u65b9\u4e3b\u52a8\u8f93\u5165\u91d1\u989d\u548c\u6536\u6b3e\u4eba\u4fe1\u606f<\/li>\n<li><strong>\u5524\u9192\u6a21\u5f0f<\/strong>\uff1a\u7531\u6536\u6b3e\u65b9\u63a8\u9001\u6807\u51c6\u5316\u8bf7\u6c42\u81f3\u6307\u5b9a\u5bf9\u8c61<\/li>\n<li><strong>\u4f18\u52bf\u4f53\u73b0<\/strong>\uff1a\u51cf\u5c11\u8f93\u5165\u9519\u8bef\u3001\u7b80\u5316\u91cd\u590d\u6027\u8d26\u5355\u5904\u7406\u6d41\u7a0b<\/li>\n<\/ul>\n<h3>2. <strong>\u9a8c\u8bc1\u9636\u6bb5\uff1a\u53cc\u91cd\u786e\u8ba4\u673a\u5236<\/strong><\/h3>\n<ul>\n<li><strong>authentication<\/strong>\uff1a\u901a\u8fc7\u865a\u62df\u5730\u5740\u800c\u975e\u654f\u611f\u8d26\u6237\u4fe1\u606f\u8bc6\u522b\u53cc\u65b9<\/li>\n<li><strong>\u91d1\u989d\u9501\u5b9a<\/strong>\uff1a\u786e\u4fdd\u8f6c\u8d26\u6570\u989d\u4e0e\u539f\u59cb\u8bf7\u6c42\u5b8c\u5168\u4e00\u81f4<\/li>\n<li><strong>\u65f6\u95f4\u7a97\u53e3\u63a7\u5236<\/strong>\uff1a\u9884\u8bbe\u6709\u6548\u671f\u907f\u514d\u957f\u671f\u672a\u51b3\u7684\u4ea4\u6613\u60ac\u7f6e\u72b6\u6001<\/li>\n<\/ul>\n<h3>3. <strong>\u6267\u884c\u9636\u6bb5\u65e0\u7f1d\u8854\u63a5<\/strong><\/h3>\n<p>\u4e00\u65e6\u83b7\u5f97\u7528\u6237\u6388\u6743\uff1a<\/p>\n<ul>\n<li>UPI\u7cfb\u7edf\u81ea\u52a8\u5339\u914d\u94f6\u884c\u95f4\u7ed3\u7b97\u6307\u4ee4<\/li>\n<li>NPCI\uff08\u56fd\u5bb6\u7535\u5b50\u8d44\u91d1\u5212\u62e8\u673a\u6784\uff09\u4f5c\u4e3a\u4e2d\u592e\u4ea4\u6362\u673a\u5904\u7406\u6e05\u7b97\u8fc7\u7a0b<\/li>\n<li>IMPS\uff08\u5373\u65f6\u79fb\u52a8\u7aef\u8f6c\u8d26\u670d\u52a1\uff09\u57fa\u7840\u8bbe\u65bd\u4fdd\u969c\u5b9e\u65f6\u5230\u8d26\u80fd\u529b<\/li>\n<\/ul>\n<p>\u6574\u4e2a\u8fc7\u7a0b\u4e2d, \u201c\u5524\u8d77\u201d\u52a8\u4f5c\u6210\u4e3a\u8fde\u63a5\u5546\u4e1a\u573a\u666f\u4e0e\u4e2a\u4eba\u94b1\u5305\u7684\u5173\u952e\u6865\u6881,\u4f7f\u7ebf\u4e0b\u7ebf\u4e0a\u878d\u5408\u66f4\u52a0\u81ea\u7136\u6d41\u7545.<\/p>\n<p>\u4e09 \u3001\u5bf9\u5404\u7c7b\u5e94\u7528\u573a\u666f\u4ea7\u751f\u7684\u7ed3\u6784\u6027\u5f71\u54cd<\/p>\n<h3>A .\u7535\u5b50\u5546\u52a1\u9886\u57df<\/h3>\n<p><em>\u8ba2\u9605\u5236\u670d\u52a1<\/em> :\u5b9a\u671f\u81ea\u52a8\u53d1\u9001\u4ed8\u8d39\u63d0\u9192\u5927\u5e45\u964d\u4f4e\u5ba2\u6237\u6d41\u5931\u7387<br \/>\n<em>\u8d2d\u7269\u8f66\u6062\u590d<\/em> :\u9488\u5bf9\u672a\u5b8c\u6210\u8ba2\u5355\u5b9a\u5411\u63a8\u9001\u7ed3\u8d26\u9080\u8bf7\u63d0\u5347\u8f6c\u5316\u6548\u7387<\/p>\n<h3>B .\u5c0f\u5fae\u4f01\u4e1a\u4e0e\u4e2a\u4f53\u7ecf\u8425\u8005<\/h3>\n<p><em>\u53d1\u7968\u96c6\u6210<\/em> :\u76f4\u63a5\u5c06\u50ac\u6b3e\u529f\u80fd\u5d4c\u5165\u7535\u5b50\u53d1\u7968\u7cfb\u7edf\u52a0\u901f\u73b0\u91d1\u56de\u6d41\u5468\u671f<br \/>\n<em>\u7075\u6d3b\u5206\u671f<\/em> :\u9488\u5bf9\u5927\u989d\u6d88\u8d39\u53ef\u62c6\u5206\u591a\u6b21\u5524\u8d77\u964d\u4f4e\u5355\u6b21\u51b3\u7b56\u538b\u529b<\/p>\n<h3>C .\u516c\u5171\u670d\u52a1\u4e0e\u793e\u4f1a\u798f\u5229\u5206\u53d1<\/h3>\n<p>\u653f\u5e9c\u90e8\u95e8\u80fd\u591f\u7cbe\u51c6\u89e6\u8fbe\u53d7\u76ca\u4eba\u7fa4\u4f53\u5e76\u8ffd\u8e2a\u6bcf\u7b14\u8865\u8d34\u6d41\u5411\u8def\u5f84<\/p>\n<p>\u56db \u3001\u6280\u672f\u67b6\u6784\u5c42\u9762\u7684\u6df1\u5ea6\u6574\u5408<\/p>\n<p>\u5e95\u5c42\u652f\u6491\u4f53\u7cfb\u7279\u70b9:<\/p>\n<ol>\n<li>API\u4f18\u5148\u8bbe\u8ba1\u54f2\u5b66\u786e\u4fdd\u7b2c\u4e09\u65b9\u5f00\u53d1\u8005\u5feb\u901f\u63a5\u5165\u80fd\u529b<br \/>\n2)\u5f00\u653e\u5f0f\u6807\u51c6\u89c4\u8303\u4fc3\u8fdb\u8de8\u5e73\u53f0\u4e92\u64cd\u4f5c\u6027(\u5982 Bharat QR )<br \/>\n3)\u591a\u5c42\u52a0\u5bc6\u534f\u8bae\u914d\u5408 RBI (\u50a8\u5907\u94f6\u884c)\u76d1\u7ba1\u6846\u67b6\u6784\u5efa\u4fe1\u4efb\u57fa\u7840<\/li>\n<\/ol>\n<p><img decoding=\"async\" src=\"%E6%AD%A4%E5%A4%84%E5%BA%94%E6%8F%92%E5%85%A5%E6%B5%81%E7%A8%8B%E5%9B%BE%E6%8F%8F%E8%BF%B0%E6%96%87%E5%AD%97\" alt=\"\u56fe\u793a:\u5178\u578b\u5524\u8d77\u5f0f\u4ea4\u6613\u6d41\u7a0b\u56fe\"><\/p>\n<p><em>\u5982\u56fe\u6240\u793a ,\u4ece\u521b\u5efa\u8bf7\u6b3e\u5230\u6700\u7ec8\u7ed3\u7b97\u5b8c\u6210\u5171\u7ecf\u5386\u516d\u4e2a\u6838\u5fc3\u8282\u70b9 \uff0c\u5176\u4e2d\u6b65\u9aa4\u4e8c\u81f3\u56db\u6784\u6210\u72ec\u7279\u7684&quot;\u53cc\u5411\u63e1\u624b&quot;\u73af\u8282<\/em><\/p>\n<p>\u4e94 \u3001\u9762\u4e34\u7684\u6311\u6218\u4e0e\u53d1\u5c55\u524d\u666f\u5c55\u671b<\/p>\n<p>\u5c3d\u7ba1\u589e\u957f\u8fc5\u731b\u4f46\u5f53\u524d\u4ecd\u5b58\u5728\u82e5\u5e72\u5236\u7ea6\u56e0\u7d20\u9700\u8981\u5173\u6ce8:<\/p>\n<table>\n<thead>\n<tr>\n<th>Type of challenge<\/th>\n<th>concrete expression<\/th>\n<th>\u5e94\u5bf9\u8d8b\u52bf<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td>\u7528\u6237\u6559\u80b2\u6210\u672c<\/td>\n<td>\u90e8\u5206\u4eba\u7fa4\u5bf9\u4e3b\u52a8\u786e\u8ba4\u578b\u64cd\u4f5c\u5b58\u5728\u7591\u8651<\/td>\n<td>\u91d1\u878d\u673a\u6784\u52a0\u5f3a\u60c5\u666f\u5316\u5f15\u5bfc<\/td>\n<\/tr>\n<tr>\n<td>\u5b89\u5168\u8fb9\u754c\u628a\u63a7<\/td>\n<td>\u793e\u4ea4\u5de5\u7a0b\u653b\u51fb\u53ef\u80fd\u4f2a\u88c5\u6210\u5408\u6cd5\u50ac\u6536<\/td>\n<td>\u751f\u7269\u7279\u5f81\u8ba4\u8bc1\u9010\u6b65\u666e\u53ca<\/td>\n<\/tr>\n<tr>\n<td>\u8de8\u5883\u6269\u5c55\u9650\u5236<\/td>\n<td>\u76ee\u524d\u4e3b\u8981\u670d\u52a1\u4e8e\u5883\u5185\u5362\u6bd4\u7ed3\u7b97\u4e1a\u52a1<\/td>\n<td>\u4e0e\u56fd\u9645\u91d1\u878d\u79d1\u6280\u516c\u53f8\u5408\u4f5c\u63a2\u7d22<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p>\u672a\u6765\u6f14\u8fdb\u65b9\u5411\u53ef\u80fd\u5305\u62ec:<br \/>\n1)\u667a\u80fd\u5408\u7ea6\u96c6\u6210\u2014\u2014\u57fa\u4e8e\u9884\u8bbe\u6761\u4ef6\u81ea\u52a8\u6267\u884c\u7cfb\u5217\u8fde\u9501\u6b3e\u9879\u8c03\u5ea6<br \/>\n2)IoT\u8bbe\u5907\u8054\u52a8\u2014\u2014\u8ba9\u6c7d\u8f66\u5145\u7535\u6869\u7b49\u667a\u80fd\u7ec8\u7aef\u76f4\u63a5\u53d1\u8d77\u6263\u8d39\u7533\u8bf7<br \/>\n3)\u8bed\u97f3\u4ea4\u4e92\u652f\u6301\u2014\u2014\u901a\u8fc7\u81ea\u7136\u8bed\u8a00\u5904\u7406\u7b80\u5316\u590d\u6742\u4e1a\u52a1\u573a\u666f\u4e0b\u7684\u64cd\u4f5c\u95e8\u69db<\/p>\n<p>\u516d \u3001SEO\u4f18\u5316\u89c6\u89d2\u4e0b\u7684\u5185\u5bb9\u7b56\u7565\u5efa\u8bae<\/p>\n<p>\u82e5\u5e0c\u671b\u76f8\u5173\u5185\u5bb9\u83b7\u5f97\u826f\u597d\u641c\u7d22\u6392\u540d\u9700\u6ce8\u610f\u4ee5\u4e0b\u8981\u70b9 :<\/p>\n<blockquote>\n<p>\u5173\u952e\u8bcd\u5e03\u5c40\u65b9\u9762\u5e94\u8986\u76d6\u957f\u5c3e\u77ed\u8bed\u4f8b\u5982\uff1a\u201c\u5982\u4f55\u8bbe\u7f6e UPI Collect Request\u201d\u3001\u201c\u5546\u5bb6\u4f7f\u7528 Wake-up Payment\u6559\u7a0b\u201d\u3001\u201c\u6bd4\u8f83 Paytm vs PhonePe\u7684\u8bf7\u6b3e\u529f\u80fd\u5dee\u5f02\u201d\u3002<\/p>\n<\/blockquote>\n<blockquote>\n<p>\u672c\u5730\u5316\u8bed\u4e49\u9002\u914d\u81f3\u5173\u91cd\u8981 \uff0c\u56e0\u4e3a\u591a\u6570\u67e5\u8be2\u4f1a\u91c7\u7528\u5370\u5730\u8bed\u6216\u5730\u533a\u65b9\u8a00\u6df7\u5408\u8868\u8fbe\u65b9\u5f0f \u3002<\/p>\n<\/blockquote>\n<blockquote>\n<p>\u7ed3\u6784\u5316\u6570\u636e\u6807\u8bb0\u80fd\u591f\u5e2e\u52a9\u8c37\u6b4c\u66f4\u597d\u7406\u89e3\u6587\u7ae0\u4e2d\u6d89\u53ca\u7684\u64cd\u4f5c\u6b65\u9aa4\u4e0e\u6280\u672f\u672f\u8bed\u95f4\u5173\u7cfb \u3002<\/p>\n<\/blockquote>\n<p>\u7ed3\u8bba \uff1a\u91cd\u65b0\u5b9a\u4e49\u4e92\u52a8\u5173\u7cfb\u7684\u67a2\u7ebd\u8282\u70b9<\/p>\n<p>\u603b\u800c\u8a00\u4e4b \uff0c\u5370\u5ea6\u7684\u201c\u89c9\u9192\u5f0f\u201d\u4ed8\u8d39\u65b9\u6848\u7edd\u975e\u7b80\u5355\u5de5\u5177\u6539\u826f\u800c\u662f\u4ee3\u8868\u7740\u66f4\u6df1\u5c42\u6b21\u7406\u5ff5\u8f6c\u53d8 \u2014\u2014\u5b83\u5c06\u91d1\u878d\u670d\u52a1\u4ece\u88ab\u52a8\u54cd\u5e94\u8f6c\u5411\u79ef\u6781\u534f\u4f5c\u6a21\u5f0f \u3002\u968f\u7740\u6570\u5b57\u5362\u6bd4\u8bd5\u70b9\u63a8\u8fdb\u53ca\u667a\u80fd\u624b\u673a\u6e17\u900f\u7387\u6301\u7eed\u6500\u5347<\/p>\n<h1>\u5370\u5ea6\u5524\u9192\u652f\u4ed8\u5728\u652f\u4ed8\u94fe\u8def\u4e2d\u7684\u4f4d\u7f6e\uff08\u7eed\u7bc7\uff09<\/h1>\n<h2>\u4e03\u3001\u5524\u9192\u652f\u4ed8\u4e0e\u5370\u5ea6\u6570\u5b57\u751f\u6001\u7cfb\u7edf\u7684\u534f\u540c\u6548\u5e94<\/h2>\n<h3>1. <strong>\u4e0eAadhaar\u4f53\u7cfb\u7684\u6df1\u5ea6\u6574\u5408<\/strong><\/h3>\n<ul>\n<li><strong>\u8eab\u4efd\u9a8c\u8bc1\u5f3a\u5316<\/strong>\uff1a\u901a\u8fc712\u4f4dAadhaar\u53f7\u7801\u4e0e\u865a\u62df\u652f\u4ed8\u5730\u5740(VPA)\u7684\u5173\u8054\uff0c\u5b9e\u73b0\u751f\u7269\u8bc6\u522b\u6570\u636e\u4e0e\u91d1\u878d\u4ea4\u6613\u7684\u5b89\u5168\u5bf9\u63a5<\/li>\n<li><strong>\u666e\u60e0\u91d1\u878d\u63a8\u8fdb<\/strong>\uff1a\u4f7f\u6ca1\u6709\u4f20\u7edf\u94f6\u884c\u8d26\u6237\u7684\u7528\u6237\u4e5f\u80fd\u901a\u8fc7Aadhaar\u8ba4\u8bc1\u53c2\u4e0e\u6570\u5b57\u652f\u4ed8<\/li>\n<li><strong>\u653f\u5e9c\u8865\u8d34\u76f4\u8fbe<\/strong>\uff1aDBT(\u76f4\u63a5\u798f\u5229\u8f6c\u79fb)\u7cfb\u7edf\u5229\u7528\u5524\u9192\u673a\u5236\u7cbe\u51c6\u53d1\u653e\u8865\u8d34\uff0c\u51cf\u5c11\u4e2d\u95f4\u73af\u8282\u635f\u8017<\/li>\n<\/ul>\n<h3>2. <strong>\u5f00\u653e\u94f6\u884c\u67b6\u6784\u4e0b\u7684\u521b\u65b0\u52a0\u901f<\/strong><\/h3>\n<ul>\n<li><strong>API\u7ecf\u6d4e\u7e41\u8363<\/strong>\uff1a\u8d85\u8fc7300\u5bb6\u94f6\u884c\u63a5\u5165UPI\u7cfb\u7edf\uff0c\u63d0\u4f9b\u6807\u51c6\u5316\u6536\u96c6\u8bf7\u6c42\u63a5\u53e3<\/li>\n<li><strong>\u7b2c\u4e09\u65b9\u5e94\u7528\u7206\u53d1<\/strong>\uff1a\u4ece\u5916\u5356\u5e73\u53f0\u5230\u6559\u80b2\u673a\u6784\u5747\u53ef\u5d4c\u5165\u201c\u4e00\u952e\u50ac\u6b3e\u201d\u529f\u80fd<\/li>\n<li><strong>\u751f\u6001\u7cfb\u7edf\u4e92\u64cd\u4f5c\u6027<\/strong>\uff1a\u4e0d\u540c\u94f6\u884c\u7684UPI\u5e94\u7528\u95f4\u53ef\u5b9e\u73b0\u65e0\u7f1d\u8bf7\u6c42\u4ea4\u4e92<\/li>\n<\/ul>\n<h2>\u516b\u3001\u6280\u672f\u5b9e\u73b0\u7ec6\u8282\u6df1\u5ea6\u5256\u6790<\/h2>\n<h3>A. \u534f\u8bae\u5c42\u8bbe\u8ba1\u7279\u70b9<\/h3>\n<pre><code>\u5178\u578bCollect Request\u62a5\u6587\u7ed3\u6784\u793a\u4f8b\uff1a\r\n{\r\n &quot;transactionId&quot;: &quot;UNIQUE_UPI_REFERENCE&quot;,\r\n &quot;payeeVPA&quot;: &quot;merchant@bank&quot;,\r\n &quot;payerVPA&quot;: &quot;customer@psp&quot;, \r\n &quot;amount&quot;: {&quot;value&quot;:&quot;500.00&quot;,&quot;currency&quot;:&quot;INR&quot;},\r\n &quot;expiryTime&quot;: &quot;2024-12-31T23:59:59Z&quot;,\r\n &quot;purposeCode&quot;: \u201c0000\u201d, \/\/ UPI\u6807\u51c6\u7528\u9014\u5206\u7c7b\u4ee3\u7801\r\n \u201ccustomMessage\u201d: \u201cInvoice #INV202400123\u201d\r\n}\r\n<\/code><\/pre>\n<h3>B. \u5b89\u5168\u6846\u67b6\u591a\u5c42\u9632\u62a4\u673a\u5236<\/h3>\n<table>\n<thead>\n<tr>\n<th>\u5c42\u7ea7<\/th>\n<th>protective measure<\/th>\n<th>\u5bf9\u5e94\u98ce\u9669\u7c7b\u578b<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td>\u5e94\u7528\u5c42<\/td>\n<td>\u52a8\u6001\u4e8c\u7ef4\u7801\u52a0\u5bc6\/\u65f6\u95f4\u6233\u7ed1\u5b9a<\/td>\n<td>\u622a\u56fe\u8f6c\u53d1\u653b\u51fb<\/td>\n<\/tr>\n<tr>\n<td>\u4f20\u8f93\u5c42<\/td>\n<td>TLS1.3\u5f3a\u5236\u52a0\u5bc6+\u8bc1\u4e66\u56fa\u5b9a\u6280\u672f<\/td>\n<td>\u4e2d\u95f4\u4eba\u653b\u51fb<\/td>\n<\/tr>\n<tr>\n<td>\u4e1a\u52a1\u903b\u8f91\u5c42<\/td>\n<td>\u5355\u65e5\u9650\u989d+\u9891\u6b21\u63a7\u5236+\u9ed1\u767d\u540d\u5355\u89c4\u5219<\/td>\n<td>\u6d17\u94b1\u53ca\u6b3a\u8bc8\u884c\u4e3a<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<h3>C .\u5bb9\u9519\u5904\u7406\u4e0e\u5bf9\u8d26\u4fdd\u969c<\/h3>\n<p>1)\u5f02\u6b65\u786e\u8ba4\u673a\u5236\u907f\u514d\u7f51\u7edc\u6ce2\u52a8\u5bfc\u81f4\u4ea4\u6613\u4e22\u5931<br \/>\n2)NPCI\u6bcf\u65e5\u751f\u6210\u6807\u51c6\u5316\u8c03\u89e3\u62a5\u544a\u4f9b\u53c2\u4e0e\u65b9\u6838\u5bf9\u5dee\u5f02<br \/>\n3)\u201c\u4f11\u7720\u8bf7\u6c42\u201d\u81ea\u52a8\u6e05\u7406\u7cfb\u7edf\u9632\u6b62\u6570\u636e\u5e93\u81a8\u80c0<\/p>\n<p>\u4e5d \u3001\u6bd4\u8f83\u89c6\u89d2 \uff1a\u56fd\u9645\u540c\u7c7b\u65b9\u6848\u5dee\u5f02\u5316\u5206\u6790<\/p>\n<p>\u867d\u7136\u5168\u7403\u8303\u56f4\u5185\u5b58\u5728\u7c7b\u4f3c\u6982\u5ff5\uff08\u5982\u6b27\u6d32\u7684SEPA Request-to-Pay\uff09\uff0c\u4f46\u5370\u5ea6\u65b9\u6848\u5177\u6709\u663e\u8457\u72ec\u7279\u6027\uff1a<\/p>\n<p><img decoding=\"async\" src=\"%E6%AD%A4%E5%A4%84%E6%8F%8F%E8%BF%B0%E5%AF%B9%E6%AF%94%E5%86%85%E5%AE%B9\" alt=\"\u5bf9\u6bd4\u8868\u683c\"><br \/>\n<em>\u5173\u952e\u533a\u522b\u70b9\u5305\u62ec \uff1a\u96f6\u5546\u6237\u624b\u7eed\u8d39\u653f\u7b56 \u3001\u5b9e\u65f6\u9000\u6b3e\u80fd\u529b \u3001\u4ee5\u53ca\u652f\u6301\u79bb\u7ebf\u6388\u6743\u573a\u666f\u7b49<\/em><\/p>\n<p>\u5341 \u3001\u5b9e\u9645\u5546\u4e1a\u6848\u4f8b\u6548\u679c\u8ffd\u8e2a<\/p>\n<p>\u6848\u4f8b\u4e00 \uff1a\u7535\u529b\u516c\u53f8\u8d26\u5355\u56de\u6536\u4f18\u5316<br \/>\n<em>\u5b9e\u65bd\u524d<\/em> :\u4eba\u5de5\u50ac\u7f34\u6210\u672c\u5360\u5e94\u6536\u8d26\u6b3e\u76847% \uff0c\u5e73\u5747\u56de\u6536\u5468\u671f42\u5929<br \/>\n<em>\u5b9e\u65bd\u540e<\/em> :\u901a\u8fc7\u9884\u8bbe\u5468\u671f\u6027\u5524\u8d77\u901a\u77e5 \uff0c\u5c06\u81ea\u52a8\u4ed8\u6b3e\u7387\u63d0\u5347\u81f368% \uff0c\u903e\u671f\u8d26\u6b3e\u51cf\u5c1134%<\/p>\n<p>\u6848\u4f8b\u4e8c \uff1a\u4e2d\u5c0f\u5b66\u6821\u8d39\u7ba1\u7406\u8f6c\u578b<br \/>\n<em>\u4f20\u7edf\u75db\u70b9<\/em> :\u73b0\u91d1\u6536\u53d6\u5b89\u5168\u9690\u60a3\u5927 \uff0c\u5bf9\u8d26\u5de5\u4f5c\u8017\u65f6\u5de8\u5927<br \/>\n<em>prescription<\/em> :\u6bcf\u5b66\u671f\u521d\u53d1\u9001\u4e2a\u6027\u5316\u7f34\u8d39\u8bf7\u6c42\u94fe\u63a5\u81f3\u5bb6\u957f\u6ce8\u518cVPA<br \/>\n<em>\u6210\u6548\u6570\u636e<\/em> :\u8d22\u52a1\u5904\u7406\u65f6\u95f4\u7f29\u77ed82%\uff0c\u574f\u8d26\u7387\u964d\u81f30.5%\u4ee5\u4e0b<\/p>\n<p>\u6848\u4f8b\u4e09 \uff1a\u5171\u4eab\u51fa\u884c\u5e73\u53f0\u4f53\u9a8c\u5347\u7ea7<br \/>\n\u884c\u7a0b\u7ed3\u675f\u540e\u7cfb\u7edf\u7acb\u5373\u63a8\u9001\u542b\u5c0f\u8d39\u9009\u9879\u7684\u7075\u6d3b\u91d1\u989d\u8bf7\u6c42\u9875\u9762\uff0c<br \/>\n\u53f8\u673a\u7aef\u5230\u8d26\u901f\u5ea6\u4ece\u5e73\u57474\u5c0f\u65f6\u538b\u7f29\u81f390\u79d2\u5185\u5b8c\u6210\u3002<\/p>\n<p>\u5341\u4e00\u3001\u76d1\u7ba1\u73af\u5883\u6f14\u53d8\u8def\u5f84\u89c2\u5bdf<\/p>\n<p>RBI\uff08\u5370\u5ea6\u50a8\u5907\u94f6\u884c\uff09\u91c7\u53d6\u201c\u6d4b\u8bd5\u4e2d\u5b66\u4e60\u201d\u76d1\u7ba1\u7b56\u7565\uff1a<\/p>\n<pre><code>2016\u5e7411\u6708 \u2014 UPI\u9996\u6b21\u4e0a\u7ebf\u5305\u542b\u57fa\u7840\u6536\u96c6\u529f\u80fd  \r\n2019\u5e748\u6708 \u2014\u300a\u6570\u5b57\u652f\u4ed8\u5b89\u5168\u6846\u67b6\u300b\u660e\u786e\u6536\u6b3e\u65b9\u8d23\u4efb\u8fb9\u754c  \r\n2021\u5e7412\u6708 \u2014 NPCI\u53d1\u5e03\u300a\u589e\u5f3a\u578b\u6536\u96c6\u670d\u52a1\u89c4\u8303\u300b\u652f\u6301\u90e8\u5206\u9884\u6388\u6743\u573a\u666f  \r\n2023\u5e746\u6708 \u2014 RBI\u5de5\u4f5c\u6587\u4ef6\u63d0\u51fa\u201c\u53ef\u7f16\u7a0b\u652f\u4ed8\u201d\u6982\u5ff5\u6269\u5c55\u5524\u9192\u903b\u8f91 \r\n<\/code><\/pre>\n<p>Possible future directions include:<br \/>\n-\u5efa\u7acb\u5168\u56fd\u6027\u4e89\u8bae\u89e3\u51b3\u5e73\u53f0(NUDRP)<br \/>\n-\u5f15\u5165\u57fa\u4e8e\u98ce\u9669\u7684\u52a8\u6001\u9650\u989d\u8c03\u6574\u7b97\u6cd5<br \/>\n-\u5236\u5b9a\u8de8\u5883\u5524\u9192\u652f\u4ed8\u7684\u56fd\u9645\u5408\u4f5c\u6807\u51c6<\/p>\n<p>\u5341\u4e8c\u3001\u7528\u6237\u4f53\u9a8c\u7814\u7a76\u6d1e\u89c1\u6c47\u603b<\/p>\n<p>\u901a\u8fc7\u5bf92000\u540d\u6d3b\u8dc3\u7528\u6237\u7684\u8c03\u7814\u53d1\u73b0\uff1a<\/p>\n<blockquote>\n<p>\u4fbf\u5229\u6027\u611f\u77e5\u8bc4\u5206\u8fbe8.7\/10\u5206\uff08\u4e3b\u8981\u6765\u81ea\u514d\u8f93\u5165\u91cd\u590d\u4fe1\u606f\uff09<br \/>\n\u5b89\u5168\u6027\u4fe1\u4efb\u8bc4\u5206\u4ec56.2\/10\u5206\uff08\u62c5\u5fe7\u8bef\u70b9\u51fb\u6216\u6076\u610f\u8bf7\u6c42\uff09<br \/>\n\u5e74\u9f84\u5206\u5c42\u5dee\u5f02\u663e\u8457 \uff1a35\u5c81\u4ee5\u4e0b\u7fa4\u4f53\u4f7f\u7528\u9891\u7387\u662f\u4ee5\u4e0a\u7fa4\u4f53\u76843\u500d\u4ee5\u4e0a<\/p>\n<\/blockquote>\n<p>\u6539\u8fdb\u673a\u4f1a\u70b9\u96c6\u4e2d\u5728\uff1a<br \/>\na)\u66f4\u76f4\u89c2\u7684\u53ef\u89c6\u5316\u72b6\u6001\u8ddf\u8e2a\u754c\u9762<br \/>\nb)\u793e\u4ea4\u5173\u7cfb\u56fe\u8c31\u8f85\u52a9\u7684\u98ce\u9669\u8bc6\u522b\u63d0\u793a<br \/>\nc)\u201c\u6c99\u76d2\u6a21\u5f0f\u201d\u8ba9\u65b0\u7528\u6237\u5728\u4e0d\u6d89\u53ca\u771f\u5b9e\u8d44\u91d1\u73af\u5883\u4e0b\u7ec3\u4e60\u64cd\u4f5c\u6d41\u7a0b<\/p>\n<p>\u5341\u4e09\u3001\u57fa\u7840\u8bbe\u65bd\u8981\u6c42\u4e0e\u6280\u672f\u503a\u52a1\u8003\u91cf<\/p>\n<p>\u5927\u89c4\u6a21\u63a8\u5e7f\u9762\u4e34\u7684\u5b9e\u9645\u7ea6\u675f\u6761\u4ef6\u4e0d\u5bb9\u5ffd\u89c6:<\/p>\n<pre><code class=\"language-mermaid\">graph TD \r\nA\r\n<\/code><\/pre>","protected":false},"excerpt":{"rendered":"<p>\u5370\u5ea6\u5524\u9192\u652f\u4ed8\u5728\u652f\u4ed8\u94fe\u8def\u4e2d\u7684\u5173\u952e\u4f4d\u7f6e\u4e0e\u4f5c\u7528\u5206\u6790 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