Guangzhou China UnionPay reserve revealed without undue deduction responded by saying no misappropriation of funds diversion | | occupation _ news
Original title: Guangzhou Cup reserve even exposed chaos: debit funds where for no reason
China economic NET Editor's Note: recently, some media reports pointed out that in order to finance on behalf of clients in the name of a company to attract investors, 8-month volume of 1 billion yuan, then disappear. Reporters found that these funds do not directly to the company, but by a company called Guangzhou China UnionPay online payment company limited ("Guangzhou Cup"), reserve accounts and eventually to purchase of goods on behalf of the disappeared.
Investors said that he was not shopping online, money just disappeared, apparently unable to explain. Counsel points out that the third-party payment companies and of course shall pay to the person to whom the payment and amount, and so on. If not ordered allocation, has apparently violated the payer's property rights.
But Guangzhou China UnionPay issued clarified statement said the company never withheld, stolen, misappropriated any client funds, and has never been involved in any criminal activities. Party disputes on related articles reflects, by querying operation system via the Internet, and actively through online banking to use my digital certificate (Ukey) initiate payment, using digital certificates can be used to verify identity and transaction amount, repudiation, and the transaction funds paid to businesses.
Guangzhou China UnionPay online payment company limited was established in December 2001, is owned by China UnionPay, China UnionPay business wholly owned high-tech enterprise, specializing in bank card merchant and professional services, Internet payments, prepaid card accepted business. In May 2011, first the payment business license issued by the Central Bank.
It is reported that Guangzhou Cup reserve account chargeback issues, is likely to be consumer complaints. Guangyuan, according to the evening news reports, Ms card into Guangzhou, China UnionPay customers 3000 is inexplicable in reserve accounts, then buy the Fund. In addition, poly-complaint website, search bar, enter "Guangzhou Cup", there have been 52 searches. There have been complaints from users "account has been Guangzhou, China UnionPay online payment customer reserve deductions for no reason" event.
At this point, China UnionPay network reporter calling Guangzhou, customer service will give feedback to colleagues and reply as soon as possible. At the time, did not receive a reply.
Users the money trail in mystery Guangzhou China UnionPay: never withheld, stolen, misappropriated any client funds
The China Business Journal reported that Guangzhou China UnionPay account disputes, users the money trail in mystery. It is reported that huibang, a capital company, 8-month volume of 1 billion yuan, then disappear. Investors, Zhao said, the company in the name of Finance on behalf of clients (mainly to fry precious metals), and attract investors. However, the reporters during the investigation has found that these funds do not directly to meeting State investment, but through Guangzhou, China UnionPay's reserve account, eventually buying goods on behalf of the disappeared.
Zhao, more name investors to newspaper reporter tells said, they Yu October 2015 through a website purchase has meeting state capital of "wisdom win world" precious metals trading financial investment products, the platform requirements investors at least to 10,000 dollars account, using Automation trading software, through international exchange spot gold trading get returns, and through MT4 (market market received software) can see investors corresponds to of account information of changes, investors cannot for operation.
Worth noting is that some investors inadvertently slips in the Bank found in strange places. According to Zhao an electronic bank receipt shows that this is an online shopping receipts, the payee "Guangzhou China UnionPay online payment customer reserve the name" product name "in the Department of commerce online payment" payment of approximately XX million.
Zhao believes that he was not shopping online, also has not been named "Zhong Hui business online payment" products or services, money just disappeared, apparently unable to explain. "Even if I invest huibang capital financial products, it should also display in the funds being allocated to companies associated with huibang capital rather than in the form of buying into other companies. ”
Shanghai Rong Fu lawyer Zhang Feng pointed out that Guangzhou China UnionPay online payment is now suspected of breach. "Third party payment companies and of course shall pay to the person to whom the payment and amount, and so on. If not ordered allocation, has apparently violated the payer's property rights. Third party payment companies and payments between accounts, so, to be more precise, is default. ”
Business credit audit risk, industry analysts said, will not take the initiative to the third party payment platform interface enterprise risk audit, even including the authenticity. As a third party channel, payment may be based on moral pressure to recover funds, but definitely not at legal risk.
The morning of July 4, Guangzhou China UnionPay official website published a statement on the matter would like to clarify that. Said in a statement that "Guangzhou, China UnionPay online payment company limited has never withheld, stolen, misappropriated any client funds, and has never been involved in any criminal activities. Party disputes on related articles reflects, by querying operation system via the Internet, and actively through online banking to use my digital certificate (Ukey) initiate payment, using digital certificates can be used to verify identity and transaction amount, repudiation, and the transaction funds paid to businesses. ”
The statement went on to say, at present, public security organs have dispute matters to related parties and their trade organizations are investigating, the company will actively provide clues and evidence to the public security organs.
3000 Yuan in the bank card is classified in Guangzhou by inexplicable Union pay account and then purchase Fund
March 2015, according to the evening post reported in Guangyuan, Guan suddenly receives messages sent by banks, reminding them of 3000 Yuan to be included in the card payment customer in the UnionPay network in Guangzhou in the reserve account. Ms query immediately to the Bank and found the money was indeed gone.
11:33 March 18, was at work Ms suddenly received a reminder text messages from banks, calling her a debit card spending 0.38 Yuan, said in a text message is the Fund expenses. Before she knew it, cell phone received a text message, saying they charge 3000 card with the same project. Because the mortgage deduction time hasn't arrived, their actions nor does it make any payments or withdrawals. Ms query immediately ran to the bank branches, found that money was included in the UnionPay network in Guangzhou to pay customer reserve account.
Ms then call each other account belongs to the company's customer service center, and learned that these two messages for deductions is not a company, but by the ping an Bank at two fund companies in Beijing, March. But before her, call centers have received similar complaints, as it is the merchant directly with the complainant's address, so they don't know the final solution to the situation. However, the customer service center will refer the complaint, make reply as soon as possible.
Ms, opening banking personal customer Department staff said they have been in active contact with third-party platforms to solve the problem. And people can go around outlets with the assistance of staff, by pressing the "three-step" approach to complaints.
The first step, is near to dot print bank card transaction query form, then call the Bank manual customer service, explain the situation, tell the query transaction time, other information such as the account name, account number and waiting for customer service queries and prepared before sent SMS messages. The second step, call text messages provided by the other account is a member of the company's customer service number for complaints, said there is no deal, "buckle" requests for funds to pay and wait for customer service queries. The third step: to the local police station, receiving receipts, and prepare customer service request related material.
Guangzhou for a reserve account deduction issue UnionPay goodwill impairment
Guangzhou China UnionPay online payment company limited was established in December 2001, is owned by China UnionPay, China UnionPay business wholly owned high-tech enterprise, specializing in bank card merchant and professional services, Internet payments, prepaid card accepted business. In May 2011, first the payment business license issued by the Central Bank.
Customer payment refers to the paying agent for the purpose of client's payments received in advance to be paid cash. Payment institutions shall on receipt of the customer payment or transferred customer customers reserve after irrevocable payment instructions, processing customer payments, not in advance.
Guangzhou China UnionPay reserve account chargeback issues, were frequently judged by Internet users. The China business news reported, according to gather complaints complaints information site owned by China Telecom show in May of this year, there were users, your bank account transfer of money through Guangzhou Union initiative to ping an life insurance, and the users are not buying any financial product safely.
China economic NET poly reporters logged complaints website and in the search bar type "Guangzhou, China UnionPay", there have been 52 searches. There have been complaints from users "account by the Guangzhou China UnionPay online payment customer reserve deductions for no reason" event. The complainant Mr Liu reflecting, found on March 31 by the Guangzhou China UnionPay online payment bank card customer reserve get 5448. Wu was released on March 13 complained, "I had no knowledge of the case, banks charge SMS, the money flow for ' Guangzhou, China UnionPay online payment customer payment. ”
Guangzhou, China economic net reporter did not receive Union pay people back, Mr LAU and Ms Wu complaint information to be confirmed.
Responsible editor: Li Tianyi
Article keywords:Misappropriation of occupation
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广州银联备付金被曝无故扣款 回应称未挪用资金|挪用|侵占_新闻资讯
原标题：广州银联备付金连曝乱象：无故扣款 资金去哪了
中国经济网编者按：日前，有媒体报道指出，以代客户理财为名来吸引投资者的一家公司，8个月狂卷10亿元，随后彻底消失。记者调查发现，上述资金并未直接流向该公司，而是通过一家名为广州银联网络支付有限公司（简称“广州银联”）的备付金账户，最终又以购买商品的名义消失不见。
投资者表示，自己并未进行网上购物，资金就这样消失，显然无法解释。有律师指出，第三方支付公司当然应该向支付人透露将向谁付款，以及数额、方式等。如果未接到指令就拨付，显然已经侵害了支付人的财产权。
不过广州银联发布澄清声明称，公司从未截留、侵占、挪用任何客户资金，也从未涉及任何违 法犯罪活动。关于相关文章反映的当事人纠纷，经查询系当事人通过互联网进行操作，并主动通过网银使用本人数字证书（Ukey）发起支付，使用数字证书可以 准确确认本人身份及交易金额，具有不可抵赖性，相关交易资金也已全额支付给商户。
广州银联网络支付有限公司成立于2001年12月，是中国银联旗下、银联商务全资控股的高新技术企业，专业从事银行卡收单及专业化服务、互联网支付、预付卡受理等主营业务。2011年5月，获得央行颁发的全国首批《支付业务许可证》。
据悉，广州银联因备付金账户扣款问题，屡屡被用户投诉。据《广元晚报》报道，关女士银行 卡中3000元被莫名划入广州银联客户备付金的账户中，然后购买了基金。此外，在聚投诉网站，搜索一栏输入“广州银联”，出现了52条搜索记录。陆续有用户投诉“帐号被广州银联网络支付有限公司客户备付金无故扣款”的事件。
针对此事，中国经济网记者致电广州银联，客服表示会把信息反馈给相关同事，尽快回复。截至发稿，并未收到回复。
用户资金去向成谜 广州银联：从未截留、侵占、挪用任何客户资金
《中国经营报》报道称，广州银联账目纠纷，用户资金去向成谜。据悉，一家名为汇邦资本的企业，8个月狂卷10亿元，随后彻底消失。投资人赵海表示， 该公司以代客户理财为名（以代炒贵金属为主），吸引投资者。不过，记者调查期间却发现，上述资金并未直接流向汇邦投资，而是通过广州银联的备付金账户，最 终又以购买商品的名义消失不见。
赵海等多名投资者向本报记者讲述称，他们于2015年10月通过一家网站购买了汇邦资本的“智赢天下”贵金属交易理财投资产品，该平台要求投资者最 少以1万美元开户，运用自动化交易软件，通过国际外汇现货黄金交易获得收益，并通过MT4（市场行情接收软件）可以看到投资者对应的账号信息的变化，投资 者无法进行操作。
值得注意的是，部分投资者无意中在银行的回单中发现诡异之处。根据赵海提供的一份电子银行回单显示，这是一份网上购物回单，收款人为“广州银联网络支付有限公司客户备付金人名称”，商品名称为“中汇商务网上支付”，支付金额约××万元。
赵海认为，自己并未进行网上购物，也并未得到名为“中汇商务网上支付”的产品或者服务，资金就这样消失，显然无法解释。“即便是我投资了汇邦资本的理财产品，那也应该显示我们的资金被划拨给了与汇邦资本相关的企业公司，而不是以购买商品的形式流入到其他公司。”
上海融孚律师事务所律师张烽指出，广州银联网络支付目前已经涉嫌违约。“第三方支付公司当然应该向支付人透露将向谁付款，以及数额、方式等。如果未接到指令就拨付，显然已经侵害了支付人的财产权。第三方支付公司与支付人之间有账户协议，所以，更确切来说，算是违约。”
对于商户信用审核风险方面，业内人士分析称，第三方支付平台不会主动去对接口企业进行风险审核，甚至包括企业的真实性。作为第三方通道来说，支付平台可能会基于道德压力进行资金追回，但是绝对不会承担法律风险。
7月4日上午，广州银联在官网刊登声明，就此事特此澄清。声明中表示，“广州银联网络支付有限公司从未截留、侵占、挪用任何客户资金，也从未涉及任 何违法犯罪活动。关于相关文章反映的当事人纠纷，经查询系当事人通过互联网进行操作，并主动通过网银使用本人数字证书（Ukey）发起支付，使用数字证书 可以准确确认本人身份及交易金额，具有不可抵赖性，相关交易资金也已全额支付给商户。”
声明继续指出，目前，公安机关已对相关当事人及其交易对象机构的纠纷事项展开侦查，公司将积极向公安机关提供相关线索和证据。
银行卡中3000元被莫名划入广州银联账户 然后购买了基金
2015年3月，据《广元晚报》报道，关女士突然收到银行发来的短信，提醒其卡中的3000元钱被划入了广州银联网络支付有限公司客户备付金的账户中。关女士立即到银行进行查询，发现卡内的钱的确被划走了。
3月18日上午11：33，正在上班的关女士突然收到了银行发来的提醒短信，称她的一张储蓄卡里支出0.38元，短信中说是基金费用。还没等她反应 过来，手机又收到了一条短信，称其卡中又以同样的项目扣款3000元。因为扣房贷的时间还没到，自己也没有进行任何支付或提现的操作。关女士立即跑到银行 网点查询，发现钱的确被划入广州银联网络支付有限公司客户备付金的账户中。
关女士随即致电对方账号所属公司的客服中心，得知这两条短信扣款其实并不是一家公司所为，而是被平安银行旗下两家北京的基金公司转走。而且在她之 前，客服中心也接到过类似投诉情况，但由于是商户直接与申诉人解决，所以她们也不清楚最后的解决情况。不过，客服中心表示会将申诉意见转达，让对方尽快回 复。
针对关女士的情况，开卡银行个人客户部的工作人员称，他们已经在积极与第三方平台联系解决问题。而市民可以先在附近网点工作人员的协助下，先按“三步走”的方法进行申诉。
第一步，便是到附近网点打印银行卡客户交易查询单，再拨打银行人工客服，对其说明情况，告知查询单上交易时间、对方户名、账号等信息，等待人工客服 查询后发来短消息。第二步，拨打短信内容所提供的对方账号所属公司的客服中心号码进行申诉，表示之前没有任何交易，对被“扣”资金申请赔付，等待客服查 询。第三步：到派出所报案，拿受理回执，以及准备客服要求的相关材料。
因备付金账户扣款问题 广州银联商誉受损
广州银联网络支付有限公司成立于2001年12月，是中国银联旗下、银联商务全资控股的高新技术企业，专业从事银行卡收单及专业化服务、互联网支付、预付卡受理等主营业务。2011年5月，获得央行颁发的全国首批《支付业务许可证》。
客户备付金，是指支付机构为办理客户委托的支付业务而实际收到的预收待付货币资金。支付机构应当在收到客户备付金或客户划转客户备付金不可撤销的支付指令后，办理客户委托的支付业务，不得提前办理。
广州银联因备付金账户扣款问题，频遭网民非议。《中国经营报》报道称，据中国电信旗下聚投诉网站的投诉信息显示，今年5月份，曾有用户反映，自己银行账户的钱通过广州银联主动划拨至平安人寿保险，而该用户并未购买平安任何理财产品。
中国经济网记者登录聚投诉网站，在搜索一栏输入“广州银联” ，出现了52条搜索记录。陆续有用户投诉“账号被广州银联网络支付有限公司客户备付金无故扣款”的事件。投诉人刘先生反映，发现银行卡在3月31日被广州 银联网络支付有限公司客户备付金划走5448元。吴女士于3月13日发布投诉称，“本人在不知情的情况下，收到银行扣费短信，该资金流向为‘广州银联网络 支付有限公司客户备付金’。”
但中国经济网记者未收到广州银联相关人士回复，刘先生与吴女士投诉信息真实性有待进一步确认。
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