Why can supermarket QR code scanners scan money without entering a password?

What is QR code?

QR code (QR code) stands for Quick response code - a type of two-dimensional barcode that can hold much more information than traditional barcodes. QR codes can contain information such as URLs, text, phone numbers and especially payment information.

QR codes allow for faster scanning and reading of codes using devices such as barcode readers or camera phones with apps that allow scanning codes.

QR codes are widely used in mobile payment applications such as MoMo, ZaloPay, VnPay... When making a purchase, users just need to open the application, scan the QR code at the payment counter and confirm the transaction without having to enter a password.

Why can supermarket QR code scanners scan money without entering a password?

When going to the supermarket, if you scan the seller's code to pay, you are usually asked to enter a password. However, if the seller uses a scanner to scan the code, you only need to show the payment code and the seller scans the QR code to pay to deduct the amount without having to enter a password.

The reason is that when presenting the payment code, the supermarket staff uses a QR code scanner to identify the payment code. During the payment process, the scanner is connected to the cash register. The amount deducted when scanning the code is based on the value of the goods purchased by the customer is deducted directly. The reason for being able to "pay without a password" by displaying the payment code is that the buyer has opened this account.

When opening the payment page on the phone, it will display a barcode, QR code and a separate 18-digit code. The seller scans the QR code and barcode to enter the 18-digit code into the system to complete the payment and deduction. This 18-digit series can be understood as concepts such as dynamic code, dynamic password, payment barcode, dynamic payment link, similar to relying on numbers to get items from a supermarket locker.

Thus, the password-free supermarket QR code scanner is the result of many complex technical and security factors. This utility helps improve the user experience and promotes the development of modern payment methods. However, users need to comply with security measures to protect their assets.