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The author:(作者)归海一刀published in(发表于) 2014/3/25 7:58:44 PayPal employee refuted ICBC： PayPal valid， and more secure，
PayPal employee refuted ICBC: PayPal valid, and more secure-PayPal, PayPal, quick payment, Bank-IT news PayPal employee refuted ICBC: PayPal valid, and more secure
Today, has media on "ICBC said shortcut paid 3 years to has been illegal" of reported, on, paid Po official micro-Bo publishing has a article its internal employees of articles, text in the said UnionPay, and ICBC also are has themselves of shortcut paid, opened forms and validation way and paid Po of shortcut paid completely as, shortcut paid if illegal, ICBC is knowingly violate the, does everyone are illegal? To refute the ICBC's claim, saying fast pay more secure.
Alipay weibo full text:
Tang Jian from PayPal funds settlement Department employees contribute an article
Things at work today when he saw News say their work "were illegal". The Bank settlement and cash management department director Wang 鈜 in an interview, said that "for 3 years beginning in 2011, fast payment has been at ' illegal ' State Bank, which held a considerable legal risk. ”
Read the full text, my understanding is that ICBC this leader thinks today of the instant payment limits did not, had to cancel to go back to the "legitimate" of the State. See here, I would like to take a lunch break simply communicate with you about it. My name is Tang Jian, is an employee of PayPal settlement Department.
1, ICBC, the leader said, "beginning in 2011 for up to 3 years, fast payment has been at ' illegal ' status". Fast payment violated which laws?
ICBC's leadership within the meaning of law is mentioned in the report of the China Banking Regulatory Commission on strengthening the management of electronic banking information notice, commonly known as the 86th. How 86th out of, I would like to invite you to consult the Bank's leadership members, it should be very clear how this text is introduced.
Back to 86th, fast payment first before payment, PayPal will place the name, card number, card type and number, mobile phone number, and other information through dedicated lines to the banks, directly by the Bank for validation. Match all validation passed, PayPal will authenticate through a cell phone number to the Bank sending the verification code, only the customer upon successful CAPTCHA filling to meet success. Compared to this by means of a closed line verification of open networks, easily hijacked by Trojan horse jump online to a secure, is the most safe way through a network of channels. 86th by the requirement of "other effective way to directly verify the customer's identity" and the absence of conflict. So where is illegal illegal?
Fast payment is the third-party payment payment methods of the industry's most important, which also has its own convenient methods of payment, ICBC also paid own shortcut, called e-pass, open forms and verify that the quick pay and PayPal are exactly the same. So what your saying is everyone was illegal?
2, the Bank paid the leader saying the shortcut has been "illegal", but so far more than 170 banks nationwide, including ICBC cooperation fast payment with PayPal, saying that Bank has been enforcing? More than 170 banks nationwide were enforcing? All of China's major financial institutions are knowingly violate?
3, spoke of "illegal", the fast payment is illegal, then led four rows limit is legitimate? My law school classmate said, article 17th of the Antimonopoly Act, paragraph (f) provides that: without good reason, the same trading party discriminatory treatment in transaction prices and other trading conditions, belonging to monopoly. In the financial industry in China, four in an absolutely dominant position in the market. According to the report, cumulative issue debit 3.203 billion cracked down in 2012, four rows of market shares reached 50.67%. Have formed monopolies. Four row limit PayPal Express payment, without restricting itself to the online bank payment. This is very obvious suppression of PayPal, enabling your online banking. This behavior has been obvious breaches of the relevant provisions of the antitrust laws, alleged unfair competition.
In addition, the anti-monopoly law article 13th against operators in the competing the following monopoly agreements: (d) limiting the purchase of new technology, new equipment, or limit the development of new technologies and new products, (v) boycott deals. Within a month, the four lines were introduced the same corporate--PayPal's policies could be suppressed obviously already complies with the "conspiracy" committed acts of monopolization of relevant legal provisions.
4, ICBC, the leader said, the four banks restricted shortcut is for user safety, and Po there is no direct causal link between the balance. Okay, so how does PayPal the safe is it? Founded Alipay from the very beginning is that "you pay, I'll pay" or stolen by insurance companies for fast payment has always been unreasonable by 100% payments of commitments, Bank leadership, security considerations for users of ICBC, ICBC stolen to pay for user a couple of times? Your bank card through a POS machine fraudulent, ICBC have yourself as Alipay users with full payment secure?
5, ICBC, the leader said, "through the online banking channel to the paying agent transfers, there are no restrictions", "Bank adjustment for quick payment service only a limit, not savers pay structure-all transfers to third parties are setting limits". What is ICBC's leadership, mobile payment, you give me a try u shield? 25 million mobile payments every day, you allow users to plug the phone u shield?
Shortcut paid is mobile paid of based, just because shortcut paid has occupy has currently user online paid 60-70% above of proportion, and because until now, in mobile end, shortcut paid almost is best of can using Bank funds for mobile paid of technology, if today limits even tomorrow canceled, so most people yihou in phone Shang payment of so a points little of fun will from was denied, China in mobile paid Shang of global leading status will thoroughly lost.
Okay, I'm a little learning, hastily, hoping to give you inspiration, wish you success!
支付宝员工反驳工行：支付宝合法，且更安全 - 支付宝,支付宝,快捷支付,工行 - IT资讯支付宝员工反驳工行：支付宝合法，且更安全
今日，有媒体关于“工行称快捷支付3年来一直违法”的报道，就此，支付宝官方微博发布了一篇其内部员工的文章，文中称银联、工行也都有自己的快捷支付，开通形式和验证方式和支付宝的快捷支付完全一样，快捷支付若违法，工行就是知法犯法，难道大家都违法？以此来反驳工行的说法，并称快捷支付更安全。
以下为支付宝微博的全文：
来自支付宝资金结算部员工唐俭的一篇投稿
今天一早上班，突然看到新闻说自己的工作“被违法”了。工行结算与现金管理部处长王鈜在接受媒体采访时说，“2011年开始长达3年，快捷支付一直处于‘违法’状态，而银行为此承担了相当法律风险。”
看了全文，我的理解是，工行的这位领导认为今天对快捷支付采取的限额确实不够，必须要取消才能回到“合法”的地步。看到这里，我想趁午休简单跟您交流一下。我叫唐俭，是支付宝资金结算部的一个员工。
1、工行这位领导说，“2011年开始长达3年，快捷支付一直处于‘违法’状态”。请问快捷支付违反了哪个法？
工行领导所指的法应该就是报道中提到的银监会《关于加强电子银行信息管理工作的通知》，俗称86号文。86号文是怎么出来的，我想请您去咨询一下工行的各位大领导，就应该会很清楚这个文是怎么出台的。
回到86号文，快捷支付首笔支付前，支付宝会将姓名、卡号、证件类型及号码、手机号码等信息通过专线传递给银行，由银行直接进行验证。全部匹配验证通过后，支付宝还会向银行验证通过的手机号码发送动态验证码，只有客户验证码回填成功后，才能支付成功。这种通过非公开的专线校验的方式相比走公开网络、容易被木马劫持的跳转网银方式要安全的多，也是通过网络渠道最安全的方式。跟86号文里要求的“其他有效方式直接验证客户身份”并没有冲突。所以违法到底违法在哪里？
如今快捷支付已经是第三方支付行业最重要的支付方式，银联也有自己的快捷支付方式，工行也搞了自己的快捷支付，叫e付通，开通形式和验证方式和支付宝的快捷支付完全一样。那您的意思是大家都违法了？
2、工行这位领导说快捷支付一直是“违法”的，但至今包括工行在内的全国170多家银行都跟支付宝进行着快捷支付的合作，是不是说，工行一直是在知法犯法？全国170多家银行都在知法犯法？中国所有的主流金融机构都在知法犯法？
3、谈到“违法”，就算快捷支付是违法的，那么四大行带头限额就是合法的？我学法律的同学跟我说，《反垄断法》第十七条第（六）款规定：没有正当理由，对条件相同的交易相对人在交易价格等交易条件上实行差别待遇，属于垄断行为。在中国金融行业中，四大行处于绝对的市场支配地位。根据银行报告，2012年中国银行业累计发行借记卡32.03亿张，其中四大行的市场份额达到50.67%。已经形成了事实垄断。四大行限制支付宝的快捷支付，同时不限制银行自己的网上银行支付。这是非常明显的打压支付宝，扶持自己的网上银行。这个行为已经明显触犯《反垄断法》相关规定，涉嫌不正当竞争。
另外，《反垄断法》第十三条：禁止具有竞争关系的经营者达成下列垄断协议：(四)限制购买新技术、新设备或者限制开发新技术、新产品；（五）联合抵制交易。一个月内，四大行相继出台同样的打压同一企业——支付宝的政策，显然已经符合“合谋”实施垄断行为的相关法律规定。
4、工行这位领导说，四大银行限制快捷支付是为了用户的安全，与余额宝之间没有任何直接的因果联系。好吧，那么支付宝事实的安全是怎样呢？支付宝从最开始创立就是“你敢付，我敢赔”，还通过保险公司对快捷支付一直给予被盗无理由100%赔付的承诺，请问工行领导，工行这么为用户安全考虑，工行对于用户被盗赔过几次？用户的工行卡被通过POS机盗刷，工行有跟支付宝一样为自己的用户提供全额赔付的保障吗？
5、工行这位领导说，“通过网银渠道向支付机构转账，没有任何限制”，“银行仅仅对快捷支付业务调整了限额，并非对储户向第三方支付构所有转账都设置限额”。那么请问工行的这位领导，手机支付的时候你给我插个U盾试试？每天2500万笔移动支付，你让用户都去手机上插U盾？
快捷支付是移动支付的基础，不仅仅是因为快捷支付已经占据了目前用户网上支付60-70%以上的比例，而且因为直到现在，在移动端，快捷支付几乎是最好的能够使用银行资金进行移动支付的技术，如果今天限额甚至明天取消，那么绝大多数人以后在手机上付款的那么一点小小的乐趣将从此被剥夺，中国在移动支付上的全球领先地位将彻底丧失。
好吧，我学识浅薄，草草而就，希望能给您启发，祝您工作顺利！
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