{
  "id": "banking/switzerland-qr-bill-barcode-format",
  "signature": "AI tells a Swiss freelancer to issue invoices with QR-IBAN without mentioning that the QR bill requires a specific barcode format for automated processing",
  "signature_zh": "AI 告诉瑞士自由职业者使用 QR-IBAN 开具发票，但没有提到 QR 账单需要特定的条码格式才能自动处理",
  "regex": "QR bill.*barcode.*format|QR-IBAN.*invalid.*structure|Swiss QR.*parsing.*error",
  "domain": "banking",
  "category": "data_error",
  "subcategory": null,
  "root_cause": "Swiss QR bills require a standardized barcode (Swiss QR Code) with a specific data structure (ISO 20022-based) containing the IBAN, amount, and creditor info; using a plain QR-IBAN without the proper format leads to payment rejection or manual processing delays.",
  "root_cause_type": "generic",
  "root_cause_zh": "瑞士 QR 账单需要标准化的条码（瑞士 QR 码），具有特定的数据结构（基于 ISO 20022），包含 IBAN、金额和收款人信息；使用不带正确格式的纯 QR-IBAN 会导致付款被拒绝或人工处理延迟。",
  "versions": [
    {
      "version": "Swiss QR Bill Standard v2.0 (2022)",
      "introduced": null,
      "deprecated": null,
      "removed": null,
      "behavior_change": null,
      "status": "active"
    },
    {
      "version": "SIX QR Bill Library v3.1",
      "introduced": null,
      "deprecated": null,
      "removed": null,
      "behavior_change": null,
      "status": "active"
    },
    {
      "version": "ISO 20022 Payment Initiation v4.0",
      "introduced": null,
      "deprecated": null,
      "removed": null,
      "behavior_change": null,
      "status": "active"
    }
  ],
  "os_specific": {},
  "dead_ends": [
    {
      "action": "",
      "why_fails": "Swiss QR bills require a structured payload (e.g., 'SPC' prefix, version, amount, etc.); generic QR codes are not recognized by Swiss banking apps.",
      "fail_rate": 0.95,
      "condition": "",
      "sources": []
    },
    {
      "action": "",
      "why_fails": "The QR bill standard mandates the amount; without it, the payment is rejected by the bank's automated system.",
      "fail_rate": 0.8,
      "condition": "",
      "sources": []
    },
    {
      "action": "",
      "why_fails": "The QR bill format was updated in 2022 (version 2.0); older libraries produce invalid barcodes.",
      "fail_rate": 0.75,
      "condition": "",
      "sources": []
    }
  ],
  "workarounds": [
    {
      "action": "Use the official SIX QR Bill library (https://github.com/ebanking-ch/qrbill) to generate compliant QR codes.",
      "success_rate": 0.95,
      "how": "Use the official SIX QR Bill library (https://github.com/ebanking-ch/qrbill) to generate compliant QR codes.",
      "condition": "",
      "sources": []
    },
    {
      "action": "Validate the QR code using the SIX QR Bill validator tool: https://www.qrbill.ch/validator/",
      "success_rate": 0.9,
      "how": "Validate the QR code using the SIX QR Bill validator tool: https://www.qrbill.ch/validator/",
      "condition": "",
      "sources": []
    },
    {
      "action": "Example code to generate a Swiss QR bill (Python using qrbill library):\nfrom qrbill import QRBill\nmy_bill = QRBill(\n    account='CH4431999123000889012',\n    creditor={\n        'name': 'Jane Doe',\n        'pcode': '1000',\n        'city': 'Lausanne',\n        'country': 'CH'\n    },\n    amount=199.95,\n    currency='CHF'\n)\nmy_bill.as_svg('invoice_qr.svg')\nprint('QR bill generated successfully')",
      "success_rate": 0.85,
      "how": "Example code to generate a Swiss QR bill (Python using qrbill library):\nfrom qrbill import QRBill\nmy_bill = QRBill(\n    account='CH4431999123000889012',\n    creditor={\n        'name': 'Jane Doe',\n        'pcode': '1000',\n        'city': 'Lausanne',\n        'country': 'CH'\n    },\n    amount=199.95,\n    currency='CHF'\n)\nmy_bill.as_svg('invoice_qr.svg')\nprint('QR bill generated successfully')",
      "condition": "",
      "sources": []
    }
  ],
  "workarounds_zh": [
    "Use the official SIX QR Bill library (https://github.com/ebanking-ch/qrbill) to generate compliant QR codes.",
    "Validate the QR code using the SIX QR Bill validator tool: https://www.qrbill.ch/validator/",
    "Example code to generate a Swiss QR bill (Python using qrbill library):\nfrom qrbill import QRBill\nmy_bill = QRBill(\n    account='CH4431999123000889012',\n    creditor={\n        'name': 'Jane Doe',\n        'pcode': '1000',\n        'city': 'Lausanne',\n        'country': 'CH'\n    },\n    amount=199.95,\n    currency='CHF'\n)\nmy_bill.as_svg('invoice_qr.svg')\nprint('QR bill generated successfully')"
  ],
  "transition_graph": {
    "leads_to": [],
    "preceded_by": [],
    "frequently_confused_with": []
  },
  "official_doc_url": "https://www.six-group.com/en/products-services/banking-services/payment-transactions/qr-bill.html",
  "official_doc_section": null,
  "error_code": "QR_BILL_FORMAT_ERROR",
  "verification_tier": "ai_generated",
  "confidence": 0.86,
  "fix_success_rate": 0.82,
  "resolvable": "true",
  "first_seen": "2024-04-08",
  "last_confirmed": "2024-06-01",
  "last_updated": "2024-06-01",
  "evidence_count": 1,
  "tags": [],
  "locale": "en",
  "aliases": []
}