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Old 13.07.2019, 18:53
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Design of scan lines and QR codes for bank transfers

So I had a stack of medical bills to pay-- some of my bills went to my insurance website where I could copy+paste the scanlines over to my online bank to do the transfer. Some of the bills came directly to me by mail, and without QR codes on them I spent several weeks not realizing how to pay them. I thought I was going to have to call each individual provider or something.

Then I noticed at the bottom of the Rechnung is actually the same format of those scanlines. So I just got caught up on all of my bills by manually typing the scanlines into my online bank website. It feels silly to type them in manually-- maybe there is a phone app that can OCR the scanlines, but at least for now I don't care.

This got me wondering-- how are the scanlines (and QR codes) designed? Do they each contain the same information? Are the scanlines designed to be worked with manually or only by computer? (e.g. do they contain checksums to try to prevent errors?). It looks to me like there is maybe only a single-digit checksum for the $-amount. The reference number after that showed up verbatim in my online bank UI. It might have some internal consistency requirement, but I don't really want to fool around making phony transfers trying to find out. Also the account number of the sender at the end (I think that's what it is) also shows up verbatim.

Anybody looked into this or share my curiosity? How long ago was this designed and is it unique to Switzerland, or..?
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Old 13.07.2019, 19:38
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Re: Design of scan lines and QR codes for bank transfers

ZKB and other banks allow your mobile phone to scan the code (numbers) along the bottom of orange and red paying-in slips when doing online banking.

With luck you don't need to fill anything in the scan does the lot...
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Old 13.07.2019, 20:30
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Re: Design of scan lines and QR codes for bank transfers

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ZKB and other banks allow your mobile phone to scan the code (numbers) along the bottom of orange and red paying-in slips when doing online banking.

With luck you don't need to fill anything in the scan does the lot...
I was puzzled since why not just use QR codes for scanning. But I guess it makes sense to have just the number line.

I signed up for Revolut a while back so now have both virtual and physical cards that appear to be from Switzerland, and now just switched my Google Play account to Switzerland. So once that goes through (they say 48 hours and you can only change it once every 365 days!), I should be able to install the PostFinance app.
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Old 13.07.2019, 21:07
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Re: Design of scan lines and QR codes for bank transfers

Postfinance smartphone app can scan and OCR the bottom long line of numbers of orange payslips and transfers them into the online service as scanned bills to pay.
Then one has to login into the Postfinance website to execute the payments.
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Old 13.07.2019, 22:16
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Re: Design of scan lines and QR codes for bank transfers

It's in German, but you could start here to learn the history:

https://de.wikipedia.org/wiki/Einzah...Referenznummer
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Old 13.07.2019, 23:25
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Re: Design of scan lines and QR codes for bank transfers

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It's in German, but you could start here to learn the history:

https://de.wikipedia.org/wiki/Einzah...Referenznummer
Found the construction of the scanline/numbers (Kodierzeile)-- page 40 here (sec 5.5.1.5):

https://web.archive.org/web/20170128...isr_man_de.pdf

There is one check digit for each segment, after all. If typing by hand it's probably wise to double-check that everything was interpreted properly. I wonder what would happen if you entered a bogus reference number...

I appreciate that they properly call these "orange" and not "red" or "brown."

I quite like the old-old PTT logo: https://de.wikipedia.org/wiki/Post-,...8_and_1988.jpg
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Old 14.07.2019, 07:20
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Re: Design of scan lines and QR codes for bank transfers

Try transposing two numbers, the transaction will be cancelled with a wrong number reference.

That is why the checkdigit is used. Also a fleck of dust or a faulty camera could result in errors.
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Old 14.07.2019, 11:57
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Re: Design of scan lines and QR codes for bank transfers

The QR Code bill is a new thing. Surprised, that you already got one. Nevertheless QR-bill and orange ESR have all the needed information also in a human readable form.

Official QR-Bill manual
https://www.paymentstandards.ch/dam/...qr-bill-en.pdf

Official ESR/ISR Manual
https://www.postfinance.ch/content/d...isr_man_en.pdf

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I appreciate that they properly call these "orange" and not "red" or "brown."
Only logical, as there is also an red payment slip w/o reference number:
https://www.postfinance.ch/content/d..._biz_fs_en.pdf

And finally: A "pink slip" is either a "gray card/card gris" or a "blue letter/blauer Brief"
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Old 14.07.2019, 15:04
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Re: Design of scan lines and QR codes for bank transfers

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Try transposing two numbers, the transaction will be cancelled with a wrong number reference.
Not always.

I had a problem with a bill that I paid by scanning, and the scanner had misread two numbers, resulting in a correct checksum, took nearly a year to sort out.

Tom
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Old Yesterday, 06:53
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Re: Design of scan lines and QR codes for bank transfers

I just scanned a scan-line with PF mobile, and it told me it would show up under "Scan & Pay" in the online/web finance. I could not for the life of me find it, and ended up typing in the scan line manually. I even tried editing my homepage to see if the widget was missing, tried searching for pending payments and whatnot. Maybe it takes a while to enable since I just installed & activated PF mobile / fastpay or whatever they call it.
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Old Yesterday, 18:47
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Re: Design of scan lines and QR codes for bank transfers

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I just scanned a scan-line with PF mobile, and it told me it would show up under "Scan & Pay" in the online/web finance. I could not for the life of me find it, and ended up typing in the scan line manually. I even tried editing my homepage to see if the widget was missing, tried searching for pending payments and whatnot. Maybe it takes a while to enable since I just installed & activated PF mobile / fastpay or whatever they call it.
Okay I can confirm that the "Scan & Pay" tool/widget/whatever does have a significant delay after activating the PF mobile app. I wasn't missing it before; it's quite obvious to see now.
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