Online payment, you have real name? -Mobile payment, real-name system, PayPal-IT information
Along with the rich scenario based on Internet payment, online payment has gone deep into every aspect of daily life, 58 city transfer idle Amoy, go up a cheapie, Uber payments and more scenes of life, online payment has played an important role. But at the same time, payment risks also come. Improve payment security, requires institutional regulation. Following the real-name system published by the Ministry, upon request, network issued by the Central Bank to pay the real-name system has to be started.
It is reported that on July 1, issued by the Central Bank in December last year the non-bank institution network payment services regulations (hereinafter referred to as the method) will come into force, payment institutions to customers the real-name system management.
Prior to the implementation of the policy, including PayPal, micro-payments, wallets and other users of network payment platform of Baidu real-name authentication, via text message, App news alerts, actions tips page to help, guide the user identity is not complete by complementary and personal identity information, complete the real-name authentication. As a user of online payments, we need to also should be completed as soon as possible the real-name authentication, and enjoy better service and experience.
How the real-name authentication work?
Relative Yu phone real name also to to Hall of trouble, network paid of real name undoubtedly to simple many, to Baidu wallet for cases, first step: open Baidu wallet application, into Home login, click left Shang angle "I of avatar"; second step: into personal Center, click "real name certification", fill in name, and ID, information, validation phone,, and set paid password; third step: upload ID pros and cons surface photos, confirmed through audit Hou can completed certification.
In addition, the methods required to pay in accordance with client authentication will be personal paid accounts are divided into three categories, these three accounts have different authentication requirements.
I account is mainly on small, interim payments, such as the most commonly used cell phone red envelopes, which account for only 1 best external sources to verify, such as online checking identity card information. And this class account of balance payment limit for since account open state up cumulative 1000 Yuan, means with cumulative sent red amount cannot over 1000 Yuan ;II class account balance payment limit high, years cumulative 100,000 yuan, applies Yu shopping, and transfers, and paid water electrical fee,, this class account to through at least 3 a external channel, to non-face-to-face way validation customer identity information, or need face-to-face validation identity; III class account balance payment limit highest, years cumulative 200,000 yuan, Investment products, buy insurance, and these types of accounts you will need at least 5 external sources to verify .
More perfect information services more comprehensive
From the actual certification process and requirements can be seen through different levels of authentication, more perfect, more services you'll enjoy comprehensive.
Baidu wallets, real name real name when a user transfers to school acceptance after information provides further security forgotten account password, the system enables users to check their information, the system will safely and quickly tells the user password I completed certification, users can have a true financial services, open and transparent accounts better asset management users.
After July 1, if Baidu wallet user authentication does not meet the standards prescribed by the way, will not function transfer and fast payment service user usually through transfers to friends, and use Baidu Baidu wallet glutinous rice, Uber quick payments will be affected.
In addition, Alipay said previous rumors " no binding bank card users in mainland China will not be able to save in the PayPal account, and you cannot use the balance in the account" was misread . But for which have yet to identity the PayPal user account function had a different impact, specific exposure information with a user's level of maturity. For example, the account balance of payment features require identity information to a certain level can be used, but if users are accustomed to Taobao shop, quick payment with your online bank or bank card payment, and will not be affected in any way. These users can still use the consumption habits.
Many people are concerned about "real name would not affect the red hair" issue. Tencent responded by saying, in bank card has been added to the micro-payment platform user is the real name of the user, without the real-name authentication again. Added previously of bank cards, even if later solutions tied to, and have completed the real-name authentication, nor tie card again . But after July 1 have not been completed or adhere to the users who do not complete the real-name authentication, red hair, transfers and other micro-payment functionality will be limited. Pay app teams to provide bank card validation, Ministry of public security, carrier phone number validation of identity verification through various channels to help user to perfecting real-name information.
Real-name authentication protect the interests of consumers
Mobile payment gaining popularity now, under this approach, Central Bank initiatives aimed at further promoting the development of payment system more convenient and safe, and better protect the legitimate rights and interests of financial consumers, the Central Bank on the issue of third party payment risk controls in the system. Emphasizing "real-name account validation" for payment institutions "know-your-client" principle, establish and improve client identification mechanism, and during the subsistence of the business relationship with the customer and sustained client identification measures, ensure the effective verification of the identity of clients and true will.
Account depending on the balance of payment limits for classification, and take different levels of identity authentication, it is 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.
Recently, Bank about head on approach answer reporter asked Shi said, given customer in network paid business in the may faced funds was stolen, and information leaked, risk hidden, in activist process in the often in relative vulnerable of status, for guarantees customer lawful rights and interests of, approach combined paid institutions currently in customer interests protection aspects exists of insufficient, clear has paid institutions in guarantees customer informed right, and select right, and information security, and funds security aspects of responsibility.
网络支付，你有没有实名制？ - 移动支付,实名制,支付宝 - IT资讯
随着基于网络支付的应用场景不断丰富，网络支付已经深入到了人们日常生活的方方面面，去58同城转让个闲置、去转转上淘个便宜货、坐Uber付款等等的生活场景，网络支付都发挥了重要的角色。但与此同时，支付风险也随之而来。提升网络支付的安全性，需要制度性的监管。继工信部发布电话实名制要求后，央行颁布的网络支付实名制也即将启动。
据悉，今年7月1日，央行于去年12月颁布的《非银行支付机构网络支付业务管理办法》（以下简称《办法》）将正式生效，支付机构将对客户实行实名制管理。
在政策正式实施前，包括支付宝、微信支付、百度钱包等网络支付平台纷纷开展用户实名制认证工作，通过短信、App消息提醒、操作页面提示等方式帮助、引导身份信息不够完整的用户来补全和完善个人身份信息，完成实名制认证。作为各种网络支付的使用者，我们有需要也很应该及早完成实名制认证，享受更好的服务和体验。
实名认证如何操作？
相对于手机实名制还要到营业厅的麻烦，网络支付的实名无疑要简单不少，以百度钱包为例，第一步：打开百度钱包应用，进入首页登录，点击左上角“我的头像”；第二步：进入个人中心，点击“实名认证”，填写姓名、身份证号信息，验证手机号、设置支付密码；第三步：上传身份证正反面照片，确认通过审核后即可完成认证。
另外，《办法》要求支付机构根据客户身份验证情况将个人网络支付账户分为三类，这三类账户各有不同的验证要求。
I类账户主要适用于小额、临时支付，例如大家最常用的手机红包，这类账户只需1个最便捷的外部渠道验证，比如联网核查居民身份证信息即可。且这类账户的余额付款限额为自账户开立起累计1000元，意味着累计发红包金额不能超过1000元；II类账户余额付款限额较高，年累计10万元，适用于购物、转账、缴水电气费等，这类账户要通过至少3个外部渠道，以非面对面方式验证客户身份信息，否则需要面对面验证身份；III类账户余额付款限额最高，年累计20万元，可以投资理财产品、购买保险等，这类账户则需要至少5个外部渠道验证。
信息越完善服务越全面
从实际的认证过程和要求可以看到，通过不同程度的验证，信息越完善，享受的服务就越全面。
在百度钱包当中，实名制后用户转账时可校验收款方实名信息，提供进一步安全保障；当忘记账户密码时，用户可通过系统核对多重信息，系统将安全迅速的把密码告知用户本人；完成认证后，用户可拥有专属实名认证的金融服务，开启透明小金库更好管理用户资产。
而7月1日之后，如果百度钱包用户身份验证情况未达到《办法》所规定的标准，将无法正常使用转账和快捷支付服务，用户平常通过百度钱包向朋友转账以及使用百度糯米、Uber等进行快捷付款等都将受到影响。
此外，支付宝方面表示，此前传闻“没有绑定中国大陆银行卡的用户将不能在支付宝账户中存钱，也不能使用账户中的余额”的说法是误读。但对于尚未完善身份信息的支付宝用户，账户部分功能的确会受到不同程度的影响，具体受影响程度跟用户身份信息的完善程度相关。例如，账户的余额支付功能需要身份信息完善到一定等级才能使用，但如果用户习惯于上淘宝购物，用网银或者银行卡快捷支付方式付款的，并不会受到任何影响。这些用户仍可以沿用原来的消费习惯。
对于许多人关心的“不实名会不会影响发红包”的问题。腾讯则回应称，在微信支付平台上添加过银行卡的用户都是实名用户，无需再次进行实名认证。而以前添加过银行卡的，就算后来解绑，也已经完成了实名认证，也无需再次绑卡。但若在7月1日后仍未完成或坚持不完成实名认证的用户，发红包、转账等微信支付功能就会受到限制。微信支付团队提供了银行卡验证、公安部身份证验证、运营商手机号验证等多个渠道，帮助用户完善实名信息。
实名验证保障用户权益
移动支付逐渐普及的当下，央行颁布的这项《办法》举措，旨在进一步推动支付体系更加便捷安全发展，及更好地保护金融消费者的合法权益，是央行对如今第三方支付风险问题的制度性管控。其中强调的“支付账户实名验证”要求支付机构遵循“了解你的客户”原则，建立健全客户身份识别机制，并在与客户业务关系存续期间，采取持续的客户身份识别措施，确保有效核实客户身份及其真实意愿。
将账户根据余额付款限额的不同进行分类，并采取不同程度的身份信息验证，则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。
日前，央行有关负责人就《办法》答记者问时表示，鉴于客户在网络支付业务中可能面临资金被盗、信息泄露等风险隐患，在维权过程中往往处于相对弱势的地位，为保障客户合法权益，《办法》结合支付机构目前在客户权益保护方面存在的不足，明确了支付机构在保障客户知情权、选择权、信息安全、资金安全方面的责任。