{
  "id": "banking/switzerland-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) and reference number",
  "signature_zh": "AI告诉瑞士自由职业者开具带有QR-IBAN的发票，但没有提到QR账单需要特定的条码格式（瑞士QR码）和参考号",
  "regex": "(?i)(QR[ -]?IBAN|Swiss QR code|QR bill).*(reject|invalid|format|barcode|reference)",
  "domain": "banking",
  "category": "protocol_error",
  "subcategory": null,
  "root_cause": "Swiss QR bills (since 2020) mandate a standardized Swiss QR Code (ISO 20022) containing a 27-character IBAN, a structured reference number (ISR or QR-reference), and creditor information; omitting or misformatting any field causes the bill to be rejected by e-banking systems like PostFinance or UBS.",
  "root_cause_type": "generic",
  "root_cause_zh": "自2020年起，瑞士QR账单强制要求使用标准化的瑞士QR码（ISO 20022），包含27位IBAN、结构化参考号（ISR或QR参考号）和收款人信息；任何字段缺失或格式错误都会导致PostFinance或UBS等电子银行系统拒绝该账单。",
  "versions": [
    {
      "version": "Swiss Payment Standards v1.0 (2020)",
      "introduced": null,
      "deprecated": null,
      "removed": null,
      "behavior_change": null,
      "status": "active"
    },
    {
      "version": "ISO 20022 for Swiss QR bills",
      "introduced": null,
      "deprecated": null,
      "removed": null,
      "behavior_change": null,
      "status": "active"
    },
    {
      "version": "PostFinance E-Finance v9.2",
      "introduced": null,
      "deprecated": null,
      "removed": null,
      "behavior_change": null,
      "status": "active"
    },
    {
      "version": "UBS E-Banking v8.5",
      "introduced": null,
      "deprecated": null,
      "removed": null,
      "behavior_change": null,
      "status": "active"
    }
  ],
  "os_specific": {},
  "dead_ends": [
    {
      "action": "",
      "why_fails": "Swiss banks now require QR-IBAN for automated processing; regular IBANs on invoices may be processed manually or rejected, delaying payment.",
      "fail_rate": 0.8,
      "condition": "",
      "sources": []
    },
    {
      "action": "",
      "why_fails": "Each invoice must have a unique reference number (ISR or QR-reference); reusing a reference causes the bank to reject it as a duplicate.",
      "fail_rate": 0.9,
      "condition": "",
      "sources": []
    },
    {
      "action": "",
      "why_fails": "Many online tools produce non-compliant QR codes that lack mandatory fields (e.g., creditor address, currency); banks will reject them.",
      "fail_rate": 0.85,
      "condition": "",
      "sources": []
    }
  ],
  "workarounds": [
    {
      "action": "Use the official Swiss QR bill generator from SIX Group: download the 'Swiss QR Code' app or use the web tool at https://www.swiss-qr-bill.org/ to generate a compliant QR code with proper format and reference.",
      "success_rate": 0.95,
      "how": "Use the official Swiss QR bill generator from SIX Group: download the 'Swiss QR Code' app or use the web tool at https://www.swiss-qr-bill.org/ to generate a compliant QR code with proper format and reference.",
      "condition": "",
      "sources": []
    },
    {
      "action": "Integrate a library like `qrbill` (Python) to generate bills programmatically: `pip install qrbill` and use `from qrbill import QRBill; bill = QRBill(account='CH4431999123000889012', creditor={'name': 'Jane Doe', 'pcode': '8000', 'city': 'Zurich'}, amount=1500.00, reference='123456789012345678901234567'); bill.as_svg('invoice.svg')`.",
      "success_rate": 0.92,
      "how": "Integrate a library like `qrbill` (Python) to generate bills programmatically: `pip install qrbill` and use `from qrbill import QRBill; bill = QRBill(account='CH4431999123000889012', creditor={'name': 'Jane Doe', 'pcode': '8000', 'city': 'Zurich'}, amount=1500.00, reference='123456789012345678901234567'); bill.as_svg('invoice.svg')`.",
      "condition": "",
      "sources": []
    },
    {
      "action": "Use accounting software with built-in QR bill support (e.g., Bexio, Klara, or Banana Accounting) that auto-generates compliant codes and validates fields before export.",
      "success_rate": 0.88,
      "how": "Use accounting software with built-in QR bill support (e.g., Bexio, Klara, or Banana Accounting) that auto-generates compliant codes and validates fields before export.",
      "condition": "",
      "sources": []
    }
  ],
  "workarounds_zh": [
    "Use the official Swiss QR bill generator from SIX Group: download the 'Swiss QR Code' app or use the web tool at https://www.swiss-qr-bill.org/ to generate a compliant QR code with proper format and reference.",
    "Integrate a library like `qrbill` (Python) to generate bills programmatically: `pip install qrbill` and use `from qrbill import QRBill; bill = QRBill(account='CH4431999123000889012', creditor={'name': 'Jane Doe', 'pcode': '8000', 'city': 'Zurich'}, amount=1500.00, reference='123456789012345678901234567'); bill.as_svg('invoice.svg')`.",
    "Use accounting software with built-in QR bill support (e.g., Bexio, Klara, or Banana Accounting) that auto-generates compliant codes and validates fields before export."
  ],
  "transition_graph": {
    "leads_to": [],
    "preceded_by": [],
    "frequently_confused_with": []
  },
  "official_doc_url": "https://www.six-group.com/en/products-services/banking-services/payment-standards/swiss-qr-bill.html",
  "official_doc_section": null,
  "error_code": "QR-BILL-FORMAT-ERR",
  "verification_tier": "ai_generated",
  "confidence": 0.86,
  "fix_success_rate": 0.9,
  "resolvable": "true",
  "first_seen": "2023-11-05",
  "last_confirmed": "2024-06-01",
  "last_updated": "2024-06-01",
  "evidence_count": 1,
  "tags": [],
  "locale": "en",
  "aliases": []
}