The Central Bank's new rules, PayPal app users need to do it-banks, PayPal, the app-IT information
On March 12, the fan Yifei, Deputy Governor of the 12 session of the national people's Congress meeting, said at a press conference, the Central Bank will start on July 1 to run a new non-bank payment system of national accounts, to meet consumers ' increasingly diverse, personal consumption needs. In other words, central to the major online payment platform for less than 4 months ago. Deadline is approaching, in order to comply with the Central Bank of the non-bank institutions online payments business management regulations, domestic major payment platform will start the real-name authentication.
These days, Alipay and micro-channels are believed to be in their official release information, tips, user accounts are "upgrade certification", this industry is real-name system startup account advance "spread rumours".
Central Bank provides that payment institutions have "know your customer" obligations
Under the measures announced last December, payment institutions should be based on personal network authentication will be paid by the customer accounts are divided into three categories, and provides a variety of account information certification standards.
Class account mainly applied to small customers, the interim payment, authentication is the most easy and fast, you can quickly open I account and complete your payment. Requires only one external channel customer identification information (such as online checking identity cards of information), the account balance can be used for consumption and transfers, balance between convenience and security, for account transaction limits are relatively low.
The measures requested, the paying agent in the open class ⅱ and ⅲ class pay accounts, through at least three separate channels, five external customer identification information in order to protect customers ' legitimate rights and interests of to prevent unruly elements from opening anonymous or fictitious accounts to engage in fraud, cashing, money-laundering, terrorist financing and other illicit activities, was paying the Agency's regulatory requirements.
Online payment account information will affect the "balance"
Constrained by the Central Bank's new rules, PayPal, micro-payments, online payment platform in order to guarantee the user on July 1 and still be able to use the existing payment services, began operations.
22nd, PayPal official Micro-Blog released a statement saying, "PayPal will be officially launched in the measures after the upgrade and retrofit work, and helps users with related actions. "The 25th at noon, micro-payments, in its official account" micro-payment smart life "was released, entitled the micro-payments help you improve passage of the account information.
Why did PayPal "upgrade certification" can pay?
Ant-gold clothing group client Center Twitter account clearly replied that "under the non-bank institution network payment services regulations relevant provisions, account needed to complete the requirement of real name. "Also points out that" without completion of the case, after July 1, 2016, PayPal account will not be able to use to payments, we recommend that you complete the information complete. "Also said that when users of faster payments and online banking payments cannot be made.
According to a public report last May, up to that time PayPal real-name accounts released more than 300 million households, but prior to its release more than 800 million registered users, many of which are non-real-name accounts.
Micro account number, same great account information
Notice in the PayPal releases the real-name authentication only 3 days after the 25th at noon, micro-payments, in its official account "micro-payment smart life" was released, entitled the micro-payments help you improve passage of the account information. Tips in the article, "the account information of the user to be in perfect information prior to July 1, to enjoy a more comprehensive payment services. Imperfect information of users in the use of micro-credit payment, the system will soon step by step tips and guides, to help the user to perfecting the account information. ”
In other words, probably the same as PayPal, if your app is not the real-name authentication, after July 1 will not work properly with "balance" for micro-payments, transfers, red hair, sitting drops of can't pay money, invite friends to dinner the app can't pay for brush ... ... Do not be embarrassing?
Do have an impact on the red hair?
Central Bank officials said earlier that from the perspective of the measures requested, through the way of the real-name authentication of clients can still use small change accounts to send and receive red envelopes, but cumulative bonus amount shall not exceed 1000. If the amount the red hair had more than 1000 Yuan, and want to continue using the payment function, high you need to append multiple authentication methods to be class II or class III account.
The approach also pointed out that payment institutions should adopt the necessary technical means to ensure that customer operation processes simple, convenient experience, the ability to pay agency service and service level requirements.
Is expected to be before the new rules take effect, PayPal, micro-payments, third party payment institutions will in the near future response measures for real-name authentication, on-line more authentication methods to ensure that real-name accounts in proportion to meet Central Bank requirements, ensure that the user's normal use.
央行新规，支付宝
微信用户需要做这件事 - 央行,支付宝,
微信 - IT资讯
3月12日，中国人民银行副行长范一飞在十二届全国人大四次会议记者会上透露，央行将从7月1日开始运行新的非银行支付账户体系，以适应消费者日益多样化的、个性化的消费支付需求。也就是说，央行给各大网络支付平台的时间已不到4个月。大限将至，为符合央行《非银行支付机构网络支付业务管理办法》规定，国内几大主要支付平台势必将启动实名认证。
这几日来，支付宝和微信方面都在其官方渠道放出消息，提示即将对用户账户进行“升级认证”，这一说法被业界认为即是启动账户实名制的提前“放风”。
央行规定：支付机构负有“了解你的客户”的义务
根据去年12月公布《办法》，支付机构应根据客户身份认证情况将个人网络支付账户分为三类，并规定了各类账户的信息认证标准。
Ⅰ类账户主要适用于客户小额、临时支付，身份验证最为简单快捷，可以快速开立I类账户并完成支付。只需要一个外部渠道验证客户身份信息(如联网核查居民身份证信息)，账户余额可以用于消费和转账，兼顾便捷性和安全性，为账户的交易限额相对较低。
《办法》要求，支付机构在开立Ⅱ类、Ⅲ类支付账户时，分别通过至少三个、五个外部渠道验证客户身份信息，是为了保障客户合法权益，防范不法分子开立匿名或假名账户从事欺诈、套现、洗钱、恐怖融资等非法活动，是对支付机构提出的监管要求。
网络支付账户信息不全将影响“余额”使用
受到央行新规的约束，支付宝、微信支付等网络支付平台为了保证用户在7月1日后依然能顺利使用现有支付服务，因此纷纷开始行动。
22日，支付宝官方微博发表声明称，“支付宝将在《办法》出台后正式启动相关系统升级与改造工作，并且帮助用户进行相关操作。”25日中午，微信支付在其官方账号“微信支付智慧生活”发布了题为《微信支付帮你一起完善账户信息》的短文。
支付宝为什么要“升级认证”才可以付款？
蚂蚁金服集团客户中心认证微博账号明确回答称，“根据《非银行支付机构网络支付业务管理办法》相关规定，支付账户需要完成实名要求的哦。”同时指出，“不补全的情况下，在2016年7月1日后，支付宝账户将不能再用于收付款，建议您及时完成信息补全。”还表示，届时用户的快捷支付和网银都无法进行付款。
去年5月的一篇公开报道显示，截至当时支付宝公布的实名制账户超过3亿户，但其之前公布注册用户数超过8亿，其中有不少是非实名账户。
微信账号同样要求完善账户信息
仅在支付宝发布实名认证公告3天后，25日中午，微信支付在其官方账号“微信支付智慧生活”发布了题为《微信支付帮你一起完善账户信息》的短文。文中提示，“账户信息不全的用户需在7月1日前完善信息，以享受更全面的支付服务。尚未完善信息的用户在使用微信支付时，系统将于近期逐步进行提示和引导，以帮助用户对账户信息进行完善。”
也就是说，很可能和支付宝一样，如果你的微信没有进行实名认证，7月1日后也将就无法正常使用“余额”进行微信支付、转账、发红包，坐滴滴付不了钱，请朋友吃饭微信支付刷不了……不是会很尴尬吗？
对发红包有影响吗？
央行相关负责人此前表示，从《办法》要求看，通过一种途径实名认证的微信客户依旧能够使用零钱账户收发红包，但累计发红包的金额不得超过1000元。如果发红包金额已超过1000元，还要继续使用支付功能，则需要追加多种高身份认证方式成为Ⅱ类或Ⅲ类账户。
《办法》还指出，支付机构应采用必要技术手段确保客户操作流程简便、体验便捷，这对支付机构的服务能力和服务水平提出了一定要求。
预计在新规正式生效前，支付宝、微信支付等第三方支付机构都将于近期针对实名制认证采取响应措施，上线更多的认证方式，以确保实名账户比例达到央行要求，确保用户的正常使用。