{"id":501,"date":"2025-05-20T13:55:40","date_gmt":"2025-05-20T05:55:40","guid":{"rendered":"https:\/\/www.yinduzhifu.life\/?p=501"},"modified":"2025-05-20T13:55:40","modified_gmt":"2025-05-20T05:55:40","slug":"upi%ef%bc%9a%e5%8d%b0%e5%ba%a6%e6%94%af%e4%bb%98%e7%b3%bb%e7%bb%9f%e7%9a%84%e6%8a%80%e6%9c%af%e6%94%af%e6%9f%b1","status":"publish","type":"post","link":"https:\/\/www.yinduzhifu.life\/en\/2025\/05\/20\/upi%ef%bc%9a%e5%8d%b0%e5%ba%a6%e6%94%af%e4%bb%98%e7%b3%bb%e7%bb%9f%e7%9a%84%e6%8a%80%e6%9c%af%e6%94%af%e6%9f%b1\/","title":{"rendered":"UPI\uff1a\u5370\u5ea6\u652f\u4ed8\u7cfb\u7edf\u7684\u6280\u672f\u652f\u67f1"},"content":{"rendered":"<p style=\"text-align:center\"><img decoding=\"async\" src=\"https:\/\/ts186.mm.bing.net\/th?q=phonepe185\" alt=\"UPI\uff1a\u5370\u5ea6\u652f\u4ed8\u7cfb\u7edf\u7684\u6280\u672f\u652f\u67f1\" title=\"UPI\uff1a\u5370\u5ea6\u652f\u4ed8\u7cfb\u7edf\u7684\u6280\u672f\u652f\u67f1\"><\/p>\n<p><strong>UPI\uff1a\u5370\u5ea6\u652f\u4ed8\u7cfb\u7edf\u7684\u6280\u672f\u652f\u67f1<\/strong><\/p>\n<h3><strong>1. \u4ec0\u4e48\u662fUPI\uff1f<\/strong><\/h3>\n<p>\u7edf\u4e00\u652f\u4ed8\u63a5\u53e3\uff08Unified Payments Interface\uff0c\u7b80\u79f0UPI\uff09\u662f\u5370\u5ea6\u56fd\u5bb6\u652f\u4ed8\u516c\u53f8\uff08NPCI\uff09\u4e8e2016\u5e74\u63a8\u51fa\u7684\u5b9e\u65f6\u652f\u4ed8\u7cfb\u7edf\u3002\u5b83\u5141\u8bb8\u7528\u6237\u901a\u8fc7\u667a\u80fd\u624b\u673a\u5373\u65f6\u8f6c\u8d26\uff0c\u65e0\u9700\u8f93\u5165\u94f6\u884c\u8d26\u6237\u4fe1\u606f\uff0c\u4ec5\u9700\u4e00\u4e2a\u865a\u62df\u4ed8\u6b3e\u5730\u5740\uff08VPA\uff09\u5373\u53ef\u5b8c\u6210\u4ea4\u6613\u3002<\/p>\n<hr>\n<h3><strong>2. UPI\u7684\u6838\u5fc3\u7279\u70b9<\/strong><\/h3>\n<ul>\n<li><strong>instant transfer of funds<\/strong>\uff1a7\u00d724\u5c0f\u65f6\u5b9e\u65f6\u5230\u8d26\u3002<\/li>\n<li><strong>\u8de8\u884c\u517c\u5bb9<\/strong>\uff1a\u652f\u6301\u6240\u6709\u53c2\u4e0e\u94f6\u884c\u7684\u8d26\u6237\u4e92\u901a\u3002<\/li>\n<li><strong>\u5355\u4e00\u6807\u8bc6\u7b26<\/strong>\uff1a\u4f7f\u7528VPA\uff08\u5982username@bank\uff09\u66ff\u4ee3\u590d\u6742\u7684\u8d26\u53f7\u548cIFSC\u4ee3\u7801\u3002<\/li>\n<li><strong>\u591a\u5e94\u7528\u96c6\u6210<\/strong>\uff1aGoogle Pay\u3001PhonePe\u3001Paytm\u7b49\u5747\u57fa\u4e8eUPI\u6784\u5efa\u3002<\/li>\n<li><strong>\u4f4e\u95e8\u69db<\/strong>\uff1a\u65e0\u9700\u4fe1\u7528\u5361\u6216\u9ad8\u7aef\u8bbe\u5907\uff0c\u666e\u901a\u667a\u80fd\u624b\u673a\u5373\u53ef\u4f7f\u7528\u3002<\/li>\n<\/ul>\n<hr>\n<h3><strong>3. \u6280\u672f\u67b6\u6784<\/strong><\/h3>\n<h4><strong>(a) \u4e09\u5c42\u7ed3\u6784\u6a21\u578b<\/strong><\/h4>\n<ol>\n<li>\n<p><strong>\u524d\u7aef\u5c42\uff08PSP\u5e94\u7528\uff09<\/strong><\/p>\n<ul>\n<li>\u7528\u6237\u63a5\u89e6\u7684\u754c\u9762\uff08\u5982BHIM\u3001\u7b2c\u4e09\u65b9App\uff09\u3002<\/li>\n<li>\u5904\u7406\u4ea4\u6613\u8bf7\u6c42\u5e76\u751f\u6210\u52a0\u5bc6\u6307\u4ee4\u3002<\/li>\n<\/ul>\n<\/li>\n<li>\n<p><strong>\u4e2d\u95f4\u5c42\uff08NPCI\u8def\u7531\u7cfb\u7edf\uff09<\/strong><\/p>\n<ul>\n<li>NPCI\u4f5c\u4e3a\u4e2d\u592e\u4ea4\u6362\u673a\uff0c\u9a8c\u8bc1VPA\u5e76\u8def\u7531\u5230\u5bf9\u5e94\u94f6\u884c\u3002<\/li>\n<li>\u91c7\u7528ISO 20022\u6807\u51c6\u62a5\u6587\u683c\u5f0f\u786e\u4fdd\u4e92\u64cd\u4f5c\u6027\u3002<\/li>\n<\/ul>\n<\/li>\n<li>\n<p><strong>\u540e\u7aef\u5c42\uff08\u94f6\u884c\u7cfb\u7edf\uff09<\/strong><\/p>\n<ul>\n<li>\u6267\u884c\u6700\u7ec8\u7684\u501f\u8d37\u64cd\u4f5c\u5e76\u901a\u8fc7IMPS\u7ed3\u7b97\u3002<\/li>\n<\/ul>\n<\/li>\n<\/ol>\n<h4><strong>(b) API\u9a71\u52a8\u8bbe\u8ba1<\/strong><\/h4>\n<ul>\n<li>UPI\u57fa\u4e8e\u5f00\u653e\u7684API\u751f\u6001\uff0c\u5141\u8bb8\u5f00\u53d1\u8005\u521b\u65b0\u589e\u503c\u670d\u52a1\uff08\u5982\u8d26\u5355\u62c6\u5206\u3001\u8ba2\u9605\u652f\u4ed8\uff09\u3002<\/li>\n<\/ul>\n<hr>\n<h3><strong>4. UPI\u7684\u5173\u952e\u6280\u672f\u521b\u65b0<\/strong><\/h3>\n<table>\n<thead>\n<tr>\n<th>skill<\/th>\n<th>\u4f5c\u7528<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td>VPA\u865a\u62df\u5730\u5740<\/td>\n<td>\u66ff\u4ee3\u654f\u611f\u8d26\u6237\u4fe1\u606f<\/td>\n<\/tr>\n<tr>\n<td>QR\u7801\u6807\u51c6\u5316<\/td>\n<td>Bharat QR\u5b9e\u73b0\u79bb\u7ebf\u5546\u6237\u6536\u6b3e<\/td>\n<\/tr>\n<tr>\n<td>Aadhaar\u6574\u5408<\/td>\n<td><em>\u90e8\u5206\u573a\u666f\u652f\u6301\u751f\u7269\u8ba4\u8bc1<\/em><\/td>\n<\/tr>\n<tr>\n<td>Tokenization<\/td>\n<td>NFC\/\u7a7f\u6234\u8bbe\u5907\u5b89\u5168\u652f\u4ed8<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<hr>\n<h3><em><strong>5. UPI\u7684\u6210\u529f\u6570\u636e<\/strong><\/em><\/h3>\n<p>\u622a\u81f32024\u5e74\uff1a<\/p>\n<ul>\n<li>\u2705\u6708\u4ea4\u6613\u91cf\u7a81\u7834120\u4ebf\u7b14<\/li>\n<li>\u2705\u5360\u5370\u5ea6\u6570\u5b57\u652f\u4ed8\u768460%\u4efd\u989d<\/li>\n<\/ul>\n<h3><strong>6. UPI \u7684\u751f\u6001\u7cfb\u7edf\u53c2\u4e0e\u8005<\/strong><\/h3>\n<p>UPI\u7684\u6210\u529f\u4f9d\u8d56\u4e8e\u591a\u65b9\u534f\u4f5c\uff0c\u4e3b\u8981\u53c2\u4e0e\u8005\u5305\u62ec\uff1a<\/p>\n<h4><strong>(a) \u76d1\u7ba1\u4e0e\u6807\u51c6\u5236\u5b9a\u673a\u6784<\/strong><\/h4>\n<ul>\n<li><strong>\u5370\u5ea6\u50a8\u5907\u94f6\u884c\uff08RBI\uff09<\/strong>\uff1a\u653f\u7b56\u6846\u67b6\u4e0e\u5408\u89c4\u76d1\u7ba1\u3002<\/li>\n<li><strong>\u56fd\u5bb6\u652f\u4ed8\u516c\u53f8\uff08NPCI\uff09<\/strong>\uff1a\u6280\u672f\u5f00\u53d1\u3001\u8fd0\u8425\u53ca\u89c4\u5219\u5236\u5b9a\u3002<\/li>\n<\/ul>\n<h4><strong>(b) \u94f6\u884c\u4e0e\u91d1\u878d\u673a\u6784<\/strong><\/h4>\n<ul>\n<li><strong>\u53c2\u4e0e\u94f6\u884c\uff08300+\u5bb6\uff09<\/strong>\uff1a\u63d0\u4f9b\u8d26\u6237\u7ed1\u5b9a\u548c\u7ed3\u7b97\u670d\u52a1\uff0c\u5206\u4e3a\u53d1\u5361\u884c\uff08PSP\uff09\u548c\u6536\u5355\u884c\u3002<\/li>\n<li><strong>\u652f\u4ed8\u670d\u52a1\u63d0\u4f9b\u5546\uff08PSP\uff09<\/strong>\uff1a\u5982Google Pay\u3001PhonePe\u7b49\u5e94\u7528\u5f00\u53d1\u5546\uff0c\u8d1f\u8d23\u524d\u7aef\u4ea4\u4e92\u3002<\/li>\n<\/ul>\n<h4><strong>(c) \u5546\u6237\u4e0e\u6d88\u8d39\u8005\u7f51\u7edc<\/strong><\/h4>\n<ul>\n<li><strong>\u7ebf\u4e0b\u5546\u6237<\/strong>\uff1a\u901a\u8fc7QR\u7801\u6216POS\u673a\u63a5\u53d7UPI\u652f\u4ed8\u3002<\/li>\n<li><strong>\u7535\u5546\u5e73\u53f0 &amp; D2C\u54c1\u724c<\/strong>* \uff1a\u96c6\u6210UPI\u4f5c\u4e3a\u9996\u9009\u652f\u4ed8\u65b9\u5f0f\u4e4b\u4e00\u3002<\/li>\n<\/ul>\n<hr>\n<h3><em><strong>7. UPI\u7684\u6280\u672f\u6311\u6218<\/strong><\/em><\/h3>\n<p>\u5c3d\u7ba1\u8868\u73b0\u5353\u8d8a\uff0cUPI\u4ecd\u9762\u4e34\u4ee5\u4e0b\u6280\u672f\u74f6\u9888\uff1a<\/p>\n<table>\n<thead>\n<tr>\n<th>challenge<\/th>\n<th>\u73b0\u72b6<\/th>\n<th>NPCI\/RBI\u5e94\u5bf9\u63aa\u65bd<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td>\u4ea4\u6613\u5cf0\u503c\u5904\u7406\u80fd\u529b<\/td>\n<td>2023\u5e74\u201c\u6392\u706f\u8282\u201d\u5355\u65e5\u7a81\u783410\u4ebf\u7b14<\/td>\n<td>\u5347\u7ea7\u4e91\u539f\u751f\u67b6\u6784<\/td>\n<\/tr>\n<tr>\n<td>\u6b3a\u8bc8\u98ce\u9669\u4e0a\u5347<\/td>\n<td>2023\u5e74\u9493\u9c7c\u8bc8\u9a97\u635f\u5931\u8d851200\u4e07\u7f8e\u5143<\/td>\n<td>\u5f3a\u5236\u5b9e\u65bdMPIN+OTP\u53cc\u56e0\u7d20\u8ba4\u8bc1<\/td>\n<\/tr>\n<tr>\n<td>\u8de8\u5883\u4e92\u901a\u5c40\u9650 <em>\u4ec5\u9650\u90e8\u5206\u56fd\u5bb6<\/em> (\u5982\u65b0\u52a0\u5761\u3001\u963f\u8054\u914b)<\/td>\n<td>\u4f9d\u8d56\u53cc\u8fb9\u534f\u8bae\u63a8\u8fdb\u6162 <em>SGPAY-NPCI\u5408\u4f5c\u6848\u4f8b<\/em> )<\/td>\n<td><\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<hr>\n<h3><em><strong>8. UPI\u7684\u672a\u6765\u6f14\u8fdb\u65b9\u5411<\/strong><\/em><\/h3>\n<h4><strong>(a)\u5168\u7403\u5316\u6269\u5c55<\/strong><\/h4>\n<ul>\n<li>\ud83c\udf0d *NIPL(NPCI\u56fd\u9645\u5b50\u516c\u53f8)*\u63a8\u52a8\u4e0e\u6b27\u76df(EPI)\u3001\u4e1c\u5357\u4e9a(Thailand PromptPay)\u7684\u4e92\u8054\u3002<\/li>\n<li>SWIFT\u517c\u5bb9\u6027\u6d4b\u8bd5\u4e2d\uff0c\u672a\u6765\u6216\u652f\u6301\u4f01\u4e1a\u8de8\u5883\u6c47\u6b3e\u3002<\/li>\n<\/ul>\n<h4><strong>(b)\u79bb\u7ebf\u652f\u4ed8\u521b\u65b0<\/strong><\/h4>\n<ul>\n<li>NFC\/\u84dd\u7259\u8fd1\u573a\u4ea4\u6613(<em>\u8bd5\u70b9\u4e2d<\/em>)<\/li>\n<li>RBI\u6279\u51c6\u7684\u201c\u79bb\u7ebf\u5c0f\u989d\u652f\u4ed8\u201d\uff08&lt;200\u5362\u6bd4\u65e0\u9700\u7f51\u7edc\uff09<\/li>\n<\/ul>\n<h4><strong>(c)B2B\u4e0e\u4f01\u4e1a\u7ea7\u529f\u80fd\u589e\u5f3a<\/strong><\/h4>\n<ul>\n<li>eMandate\u81ea\u52a8\u5b9a\u671f\u6263\u6b3e<br \/>\n-\u53d1\u7968\u76f4\u63a5\u4ed8\u6b3eAPI (<em>\u66ff\u4ee3\u4f20\u7edfNEFT\/RTGS<\/em>)<\/li>\n<\/ul>\n<hr>\n<h3><em><strong>9.\u5f00\u53d1\u8005\u89c6\u89d2:\u5982\u4f55\u63a5\u5165UPI?<\/strong><\/em><\/h3>\n<pre><code class=\"language-python\"># \u793a\u4f8b: UPI Deeplink\u751f\u6210\u4ee3\u7801 (\u901a\u8fc7\u7b2c\u4e09\u65b9\u5e93)<br>\r\nimport upi_payment as upi<br>\r\n<br>\r\npayment = upi.Payment(<br>\r\n    payee_vpa=&quot;merchant@axisbank&quot;,<br>\r\n    amount=100,<br>\r\n    note=&quot;Book Purchase&quot;<br>\r\n)<br>\r\npayment.generate_link() <br>\r\n#\u8f93\u51fa: upi:\/\/pay?pa=merchant@axisbank&amp;am=100&amp;tn=Book_Purchase<br>\r\n<\/code><\/pre>\n<p>\u25b6\ufe0f <em>\u9700\u5411NPCI\u7533\u8bf7PSP\u8bb8\u53ef\u8bc1\u6216\u5bf9\u63a5\u5df2\u6388\u6743\u805a\u5408\u5546<\/em><\/p>\n<hr>\n<h3><em><strong>10.\u603b\u7ed3:\u4e3a\u4ec0\u4e48\u8bf4UPIs\u662f\u5370\u5ea6\u7684&quot;\u6570\u5b57\u57fa\u5efa&quot;?<\/strong><\/em><\/h3>\n<p>1\ufe0f\u20e3 <strong>\u666e\u60e0\u91d1\u878d\u9769\u547d<\/strong>:\u8986\u76d64\u4ebf+\u7528\u6237,\u5305\u62ec\u9996\u6b21\u89e6\u7f51\u7684\u519c\u6751\u4eba\u53e3<br \/>\n2\ufe0f\u20e3 <strong>\u6210\u672c\u98a0\u8986<\/strong>:\u6bcf\u7b14\u4ea4\u6613\u6210\u672c\u4ec50.5\u5362\u6bd4(<em>\u4fe1\u7528\u5361\u4e3a2%\u624b\u7eed\u8d39<\/em>)<br \/>\n3\ufe0f\u20e3 <strong>\u521b\u65b0\u50ac\u5316\u5242<\/strong>:\u50ac\u751fOpen Banking\u3001\u4fe1\u8d37\u8bc4\u5206\u7b49\u884d\u751f\u670d\u52a1<\/p>\n<blockquote>\n<p>\u201c\u5c31\u50cf\u4e2d\u56fd\u8df3\u8fc7\u4fe1\u7528\u5361\u76f4\u63a5\u8fdb\u5165\u79fb\u52a8\u652f\u4ed8\u65f6\u4ee3\u4e00\u6837,\u5370\u5ea6\u7528UPIs\u91cd\u65b0\u5b9a\u4e49\u4e86\u91d1\u878d\u5305\u5bb9\u6027\u7684\u8fb9\u754c\u3002\u201d \u2014\u300a\u7ecf\u6d4e\u5b66\u4eba\u300b2023<\/p>\n<\/blockquote>","protected":false},"excerpt":{"rendered":"<p>UPI\uff1a\u5370\u5ea6\u652f\u4ed8\u7cfb\u7edf\u7684\u6280\u672f\u652f\u67f1 1. \u4ec0\u4e48\u662fUPI\uff1f \u7edf\u4e00\u652f\u4ed8\u63a5\u53e3\uff08Unified Payments Inte [&hellip;]<\/p>","protected":false},"author":1,"featured_media":0,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[10],"tags":[],"class_list":["post-501","post","type-post","status-publish","format-standard","hentry","category-10"],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v21.9 (Yoast SEO v23.9) - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>UPI\uff1a\u5370\u5ea6\u652f\u4ed8\u7cfb\u7edf\u7684\u6280\u672f\u652f\u67f1 - \u5370\u5ea6\u652f\u4ed8|\u5370\u5ea6\u652f\u4ed8\u670d\u52a1\u5546|\u5370\u5ea6\u4e09\u65b9\u652f\u4ed8<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" 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