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The author:(作者)delvpublished in(发表于) 2014/1/23 8:09:13 Credit card cash in fermentation： partial payment or a licence cannot be secured，
Credit card cash in fermentation: partial payment of cash in company or licence does not guarantee-credit card, third party payment-IT information Credit card cash in fermentation: partial payment or a licence are not saved
Before acquiring market mainly by the Union and the commercial bank "domination", acquiring a business license after release, a lot of third party payment services providers will expand the focus move to collect the single market.
Access licence less than three years a third party payment industry, is facing a crisis.
Yesterday, the media quoted Central Bank Deputy Governor Liu Shiyu payments clearing Association, held on the afternoon of January 21, the first session of the fourth session of the Council as saying that the drastic reorganization of third party payment, this approach does not exclude the risk events in the recent credit card cash in the event of more serious third-party payment services providers in connection with confiscation of acquiring licences.
"The afternoon of 21st, indeed had an internal meeting of the Association. "According to people familiar with the matter said," but in General, let alone to be paid to third parties (industry) comprehensive reorganisation of the harsh, mainly focused on the recent credit card cash in the event, will make dealing with the regulators. ”
The informed people by said of credit card sets now risk event is refers to, recently, Zhejiang, and Fujian, to, part holding card people through to credit card within deposited large spill contributions, uses pre-authorized completed trading needed in pre-authorized amount 115% range within be payment acceptance of business characteristics, and part support pre-authorized class trading of special merchant collusion, conspiracy guise issuing bank extra credit lines of event.
For example, a 10,000-dollar credit card, after the deposit of 100,000 yuan, in accordance with 115% of the rules, the cardholder can show up to 115,000 yuan. For this case, in early January, China UnionPay has issued emergency prompting the cash risk; in addition, also have involved the Bank reported the case to the public security departments.
These risk events, third party payment companies as the acquiring Agency, is thought to have lax reviews of merchant, the issuance of any responsibilities of pre-authorization POS.
So-called documentary business, refers to the acquiring institution bank card acceptance agreements with the special stores, in special customer's agreement to accept bank cards and deal with the cardholder, provides transaction settlement services for special customer behavior. At present, engaged in the business of acquiring institutions, including commercial banks, China UnionPay and some third-party payment companies, and so on.
Last year, issued by the Central Bank of the bank card acquiring business management, acquiring corporate services special stores shall observe the "know-your-client" principle, ensure that the development of special customer is established by law, businesses engaged in legitimate business activities, and special merchant acquiring business management responsibility.
Above management approach under also provides, paid institutions engaged in received single business, exists "on issuing bank of adjustable single, and investigation and bank card liquidation institutions issued of risk tips, is not do investigation, processing duties, or led to occurred risk event and caused holding card people or issuing bank funds loss", situation, plot serious of, Bank can cancellation its paid business license under; suspected crime of, law transferred police organ.
One third-party payment sources, pay for licence has been made by so many, online competition is fierce price war is tragic. Before acquiring the market mainly by China UnionPay and banks "domination", after acquiring business licences and let go, a lot of third party payment services providers will expand the focus moved to the documentary market.
From May 2011, issued the first batch of third-party payment licences so far, 198, the Central Bank has issued a third party payment license, of which there are a number of third-party payment services providers have been acquiring business.
信用卡套现发酵：部分支付公司或牌照不保 - 信用卡套现,第三方支付 - IT资讯信用卡套现发酵：部分支付公司或牌照不保
收单市场之前主要由银联和商业银行“统治”，收单业务牌照放开后，很多第三方支付机构将拓展重点迁移至了收单市场。
获得支付牌照尚不足三年的第三方支付行业，正面临着一次危机。
昨日，有媒体引述央行副行长刘士余在1月21日下午召开的支付清算协会第一届理事会第四次会议上的话称，要严厉整顿第三方支付业，对这一风险事件的处理方法不排除对在近期发生的信用卡套现事件中涉案较为严重的第三方支付机构没收收单牌照。
“21日下午，协会确实开了这么一个内部会议。”据知情人士透露，“但总的来看，还谈不上要对第三方支付（行业）全面严厉的整顿，主要还是聚焦在近期发生的信用卡套现事件上，监管层会对此做出处理。”
该知情人士所说的信用卡套现风险事件是指，近期，浙江、福建等地，部分持卡人通过向信用卡内存入大额溢缴款，利用预授权完成交易需在预授权金额115%范围内予以付款承兑的业务特性，与部分支持预授权类交易的特约商户勾结，合谋套取发卡银行额外信用额度的事件。
举例而言，一张1万元授信额度的信用卡，存入10万元后，按照115%的比例规则，持卡人最多可以套现出11.5万元。对于这一情况，1月上旬，中国银联曾紧急向行业发文，提示该类套现风险；此外，也有相关涉事银行向公安部门报了案。
在上述风险事件中，第三方支付公司作为收单机构，被认为负有对商户的审查不严、任意发放预授权POS的责任。
所谓收单业务，是指收单机构与特约商户签订银行卡受理协议，在特约商户按约定受理银行卡并与持卡人达成交易后，为特约商户提供交易资金结算服务的行为。目前，能从事收单业务的机构包括商业银行、银联和部分第三方支付公司等。
根据去年央行发布的《银行卡收单业务管理办法》，收单机构拓展特约商户，应当遵循“了解你的客户”原则，确保所拓展特约商户是依法设立、从事合法经营活动的商户，并承担特约商户收单业务管理责任。
上述《管理办法》还规定，支付机构从事收单业务，存在“对发卡银行的调单、协查和银行卡清算机构发出的风险提示，未尽调查等处理职责，或导致发生风险事件并造成持卡人或发卡银行资金损失”等情况，情节严重的，央行可注销其《支付业务许可证》；涉嫌犯罪的，依法移送公安机关。
一位第三方支付人士称，支付牌照已经发了这么多，线上竞争非常激烈，价格战很惨烈。收单市场之前主要由银联和商业银行“统治”，收单业务牌照放开后，很多第三方支付机构将拓展重点迁移至了收单市场。
从2011年5月下发第一批第三方支付牌照至今，央行已经下发了198张第三方支付牌照，其中有多家第三方支付机构获得了收单业务资格。
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