Micro-payment by real name report: investigation of China's Central Bank will intervene and micro-payments, online payments-IT information
The evening of July 14, China's Central Bank to respond to 21st century business Herald said: on July 13, the people's Bank report materials referred to in letter received. People's Bank received payments of reported violations, will carry out investigation to verify, and in accordance with the laws and regulations for processing.
The non-bank payment network payment services regulations (hereinafter referred to as the non-bank payment option) implementation as of July 1. After 10 days, Beijing Branch (Shanghai) lawyer Wang Yuming-real name report micro-payment of alleged irregularities.
The evening of July 14, China's Central Bank to respond to 21st century business Herald said: on July 13, the people's Bank report materials referred to in letter received. People's Bank received payments of reported violations, will carry out investigation to verify, and in accordance with the laws and regulations for processing.
China's Central Bank said the Bank attaches great importance to supervision of payment services, and welcomes the social power to supervise the agencies for payment settlement business. On April 5, 2016, issued by the people's Bank of the payment and settlement reporting violations of incentives, established a settlement violation reporting system of incentives.
Micro-payment related persons subsequently return to 21st century business Herald reporters, real-name authentication in order to better protect user safety, this is the common stages of development across the sector. Micro-payment fully to respect and implement relevant regulations of the Central Bank of China, and supervision to facilitate real-name authentication.
Wang Yuming mentioned in a previously reported material, micro-payment did not schedule a customer payment service agreement.
In the real-name system management, Wang Yuming found, launch the app and micro-payment does not need to register. Without authentication you can use the change account payment features.
According to the requirements of the non-bank payment, I, and II, individual pay accounts are in category III according to limit the payment of different types and amounts, payment institutions should be carried out in strict categories. Payment institutions unless classified as "a" class and class ⅱ and ⅲ class real-name accounts to pay more than 95% and have real names to confirm the account meets the real-name system management requirements, or for mutual transfer of the bank account and the account must belong to the same customer.
Wang Yuming found his success than the real-name authentication account transfers to other micro-letter account of 200 Yuan.
Of the non-bank payment option also requires that transactions with less than two valid elements of authentication, single customers today pay all accounts in a single day in an amount of not more than 1000 Yuan (not including the payment of accounts to the customer transfer between bank accounts with the same name).
But measurement shows that "micro-payments" only password-an effective factor for security authentication, micro-accounts a single customer all day today more than 1000 Yuan.
Wang Yuming measured display, still not real-name accounts receivables, receiving a quota of 3000 Yuan in a single day. Still not real-name accounts in payment, although micro-payment limit is 1000, but actual daily limit for 2000, and continues to pay the next day.
In addition, he also believes that "micro-payments" model, may be suspected of money paid rental licence was granted to the company operating in a disguised form.
Wang Yuming said, "these reports are collected in a civil manner saves the relevant evidence. ”
Wang Yuming on 21st century business Herald reporters July 14 respectively to the Chinese Central Bank and payment clearing Association called to report the progress, China's Central Bank staff have just received materials, payment clearing Association operator registered their phone numbers and other information, both next week will give a response.
"This is bad for users, could lead to fraud after money could not be recovered, and that loss was more than 1000 Yuan. "Wang Yuming said. Implementation of real-name system is also likely to be used for money laundering, illegal and criminal activities.
IResearch published 2015 mobile payment report, end of 2015 PayPal transaction volume accounted for 68.4%, money with red envelopes, transfer, charge business turnover growth up to 20.6% per cent behind PayPal.
Money such as micro-payments, QQ wallet payment and financial management, and micro-payment services the highest proportion. Money website shows that the individual user has more than 200 million, serving corporate customers in more than 400,000.
微信支付遭实名举报：中国中央银行将介入调查 -
微信支付,网络支付 - IT资讯
7月14日晚间，中国中央银行方面回复21世纪经济报道记者称：7月13日，人民银行收到来函提及的举报材料。人民银行对于收到的支付结算违法违规行为举报，将进行调查核实，并依照法律法规进行处理。
《非银行支付机构网络支付业务管理办法》（下称《非银支付办法》）已于7月1日起正式执行。10天后，北京盈科（上海）律师事务所律师王豫甲实名举报微信支付涉嫌违规。
7月14日晚间，中国中央银行方面回复21世纪经济报道记者称：7月13日，人民银行收到来函提及的举报材料。人民银行对于收到的支付结算违法违规行为举报，将进行调查核实，并依照法律法规进行处理。
中国中央银行方面表示，人民银行高度重视对支付服务市场的监管，并欢迎社会力量对从事支付结算业务的机构进行监督。2016年4月5日，人民银行发布《支付结算违法违规行为举报奖励办法》，建立了支付结算违法违规行为举报奖励制度。
微信支付相关人士随后也回复21世纪经济报道记者表示，实名认证是为了更好地保障用户支付安全，这是全行业共同面临的发展阶段。微信支付充分尊重并执行中国中央银行相关法规，积极配合监管推动实名认证。
王豫甲在此前的举报材料中提到，微信支付未安排客户签订支付服务协议。
在实名制管理上，王豫甲发现，开通微信和微信支付根本不需要实名注册。未经身份认证即可使用零钱账户收付款功能。
根据《非银支付办法》要求，I、II、III类个人支付账户均被依法限制不同程度的支付类型及金额，支付机构应当严格进行分类管理。支付机构除非评定为“A”类且Ⅱ类、Ⅲ类支付账户实名比例超过95%，并且已经实名确认该支付账户达到实名制管理要求，否则办理相互转账业务的银行账户与该支付账户必须属于同一客户名下。
王豫甲测试发现，自己的非实名认证账户成功转账给其他微信账户200元。
《非银支付办法》还要求，采用不足两类有效要素进行验证的交易，单个客户所有支付账户单日累计金额应不超过1000元（不包括支付账户向客户本人同名银行账户转账）。
但实测表明，“微信支付”只采用密码一种有效要素进行安全验证，单个客户所有微信账户单日累计金额超过1000元。
王豫甲实测显示，未实名账户仍可收款，单日收款限额为3000元。未实名账户也仍可以付款，尽管微信支付称日限额为1000元，但实测日限额为2000元，且次日仍可以继续支付。
此外，他还认为，“微信支付”的现行模式，可能涉嫌财付通变相出租支付牌照给腾讯运营。
王豫甲称，“上述举报均以公证方式采集保存了相关证据。”
王豫甲对21世纪经济报道记者表示，7月14日分别给中国中央银行和支付清算协会打电话询问举报处理进度，中国中央银行工作人员表示刚刚收到材料，支付清算协会接线员则登记了其手机号等信息，双方均表示要下周会给答复。
“这种情况对用户不利，可能会导致诈骗后的钱款无法被追回，而且损失金额会超过1000元。”王豫甲称。未落实实名制也容易被用来洗钱、从事违法犯罪活动。
艾瑞咨询发布的2015年移动支付报告显示，2015年末支付宝交易规模占比68.4%，财付通凭借红包、转账、手机充值等业务交易额快速增长，占比达20.6%仅次于支付宝。
财付通包括微信支付、QQ钱包支付和理财通，微信支付业务占比最高。财付通官网显示，其个人用户已超过2亿，服务的企业客户也超过40万。