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NETS operates Singapore's national debit scheme enabling customers of DBS Bank, POSB, HSBC, Maybank, OCBC Bank, Standard Chartered Bank and UOB to make payments using their physical/contactless ATM cards or mobile devices at more than 120,000 acceptance points in Singapore including major retailers, food courts, hawker centres, convenience stores and supermarkets.
It can scan QR code without the need of an internet connection. In phase 1, UPI Lite will process the debit transaction offline while the credit will happen when the device goes online. But the final goal is to achieve both credit and debit transaction through offline mode.
QR code is a square two-dimensional bar code. QR codes have been in use since 1994. [48] Originally used to track products in warehouses, QR codes were designed to replace the older one-dimensional bar codes. The older bar codes just represent numbers, which can be looked up in a database and translated into something meaningful.
Bijlipay became the first Indian Point-of-Sale (PoS) devices-providing company to use BharatQR on the screen of PoS machines. [7]ItzCash announced rolling-out Bharat QR code features across its retail network to scan and pay money with ItzCash's Point-of-Sale devices by presenting a cell phone to a reader, across its network of 75,000 outlets in 3,000 cities and towns across the India.
In February 2013, the European Payments Council (EPC) published the document 'Quick Response Code: Guidelines to Enable Data Capture for the Initiation of a Credit Transfer'. [4] These guidelines were quickly adopted by the Austrian banks. These QR code can be recognized thanks to the words "Zahlen mit Code" on the right. [5]
The code words are also designed to be delta-decodable, so some code words are redundant. Each PDF data code word represents about 10 bits of information (log 2 (900) ≈ 9.8), but the printed code word (character) is 17 modules wide. Including a height of 3 modules, a PDF417 code word takes 51 square modules to represent 10 bits.
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