{
  "id": "banking/swiss-qr-iban-barcode",
  "signature": "AI tells a Swiss freelancer to issue invoices with QR-IBAN without mentioning that the QR bill requires a specific barcode format (Swiss QR Code) to be processed",
  "signature_zh": "AI 告诉瑞士自由职业者使用 QR-IBAN 开具发票，未提及 QR 账单需要特定的条形码格式（瑞士 QR 码）才能被处理",
  "regex": "QR-IBAN.*barcode|QR bill.*format|Swiss QR Code.*required|QR-bill.*missing",
  "domain": "banking",
  "category": "config_error",
  "subcategory": null,
  "root_cause": "Swiss QR-IBANs are part of the QR-bill standard (ISO 20022) that requires invoices to include a Swiss QR Code (a 2D barcode) containing structured payment data (IBAN, amount, reference, creditor info); without this barcode, the invoice cannot be processed by banks for automated payment, and manual entry is error-prone.",
  "root_cause_type": "generic",
  "root_cause_zh": "瑞士 QR-IBAN 是 QR 账单标准（ISO 20022）的一部分，要求发票包含瑞士 QR 码（一种二维条码），其中包含结构化支付数据（IBAN、金额、参考号、收款人信息）；没有此条码，银行无法处理发票进行自动支付，手动输入容易出错。",
  "versions": [],
  "os_specific": {},
  "dead_ends": [
    {
      "action": "",
      "why_fails": "Swiss banks (e.g., UBS, Credit Suisse, PostFinance) require the Swiss QR Code for automated processing; invoices without it are treated as non-standard and may be rejected or delayed, causing payment failures",
      "fail_rate": 0.92,
      "condition": "",
      "sources": []
    },
    {
      "action": "",
      "why_fails": "The Swiss QR Code has a specific data structure (defined by SIX Group) that includes mandatory fields like creditor address, reference type, and additional information; generic QR codes lack this structure and will not be parsed by bank systems",
      "fail_rate": 0.95,
      "condition": "",
      "sources": []
    },
    {
      "action": "",
      "why_fails": "Manual entry defeats the purpose of QR-IBAN and increases error risk; banks may still reject manual payments if the QR-IBAN is not linked to a valid QR-bill reference",
      "fail_rate": 0.7,
      "condition": "",
      "sources": []
    }
  ],
  "workarounds": [
    {
      "action": "Use a certified QR-bill software (e.g., Swiss QR Bill Generator from SIX, or online tools like bill.com) to generate invoices with the correct Swiss QR Code. Example command using the official Python library: `pip install swiss-qr-bill` then generate with `python -c \"from swiss_qr_bill import QRBill; bill = QRBill(account='CH4431999123000889012', creditor={'name': 'Your Name', 'address': 'Street', 'city': 'City'}, amount=100.00); bill.save('invoice.pdf')\"`",
      "success_rate": 0.95,
      "how": "Use a certified QR-bill software (e.g., Swiss QR Bill Generator from SIX, or online tools like bill.com) to generate invoices with the correct Swiss QR Code. Example command using the official Python library: `pip install swiss-qr-bill` then generate with `python -c \"from swiss_qr_bill import QRBill; bill = QRBill(account='CH4431999123000889012', creditor={'name': 'Your Name', 'address': 'Street', 'city': 'City'}, amount=100.00); bill.save('invoice.pdf')\"`",
      "condition": "",
      "sources": []
    },
    {
      "action": "If using accounting software (e.g., Bexio, Klara), enable the QR-bill module which automatically generates the barcode; verify that the output includes the Swiss QR Code in the correct format (ISO 20022 XML embedded in the barcode)",
      "success_rate": 0.9,
      "how": "If using accounting software (e.g., Bexio, Klara), enable the QR-bill module which automatically generates the barcode; verify that the output includes the Swiss QR Code in the correct format (ISO 20022 XML embedded in the barcode)",
      "condition": "",
      "sources": []
    },
    {
      "action": "For one-off invoices, use the free online QR-bill generator from SIX (https://www.swiss-qr-bill.org/) to create a compliant invoice; download the PDF and include it in your billing process",
      "success_rate": 0.88,
      "how": "For one-off invoices, use the free online QR-bill generator from SIX (https://www.swiss-qr-bill.org/) to create a compliant invoice; download the PDF and include it in your billing process",
      "condition": "",
      "sources": []
    }
  ],
  "workarounds_zh": [
    "Use a certified QR-bill software (e.g., Swiss QR Bill Generator from SIX, or online tools like bill.com) to generate invoices with the correct Swiss QR Code. Example command using the official Python library: `pip install swiss-qr-bill` then generate with `python -c \"from swiss_qr_bill import QRBill; bill = QRBill(account='CH4431999123000889012', creditor={'name': 'Your Name', 'address': 'Street', 'city': 'City'}, amount=100.00); bill.save('invoice.pdf')\"`",
    "If using accounting software (e.g., Bexio, Klara), enable the QR-bill module which automatically generates the barcode; verify that the output includes the Swiss QR Code in the correct format (ISO 20022 XML embedded in the barcode)",
    "For one-off invoices, use the free online QR-bill generator from SIX (https://www.swiss-qr-bill.org/) to create a compliant invoice; download the PDF and include it in your billing process"
  ],
  "transition_graph": {
    "leads_to": [],
    "preceded_by": [],
    "frequently_confused_with": []
  },
  "official_doc_url": "https://www.six-group.com/en/products-services/banking-services/payments/qr-bill.html",
  "official_doc_section": null,
  "error_code": "QR-BILL-BARCODE-MISSING-001",
  "verification_tier": "ai_generated",
  "confidence": 0.87,
  "fix_success_rate": 0.9,
  "resolvable": "true",
  "first_seen": "2024-07-01",
  "last_confirmed": "2024-06-01",
  "last_updated": "2024-06-01",
  "evidence_count": 1,
  "tags": [],
  "locale": "en",
  "aliases": []
}