Lawyers report micro-payment violation and a 3,000 reward will sue-micro-payment, app-IT information

On July 10, 2016, September 5, lawyer Wang Yuming twice to the people's Bank of China, China micro-pay payment clearing Association name to report irregularities. On November 17, 2016, payment and settlement violation reporting Center back Wang Yuming, said the reports are true, will be rewarded. The afternoon of March 7, Wang Yuming received 3000 reports of China Association of payment and clearing his reward. In response, Wang Yuming, said he was dissatisfied with the process and the results of this event.

Micro-paid lawyers real name report of wrongdoing

On July 10, 2016, September 5, lawyer Wang Yuming twice to the people's Bank of China, China payment clearing Association name to report money paid Technology Limited (hereinafter "money") and Shenzhen Tencent computer system limited (hereinafter "the company"). Wang Yuming methyl said, tenpay and Tencent cooperation business of "micro-letter paid" exists five class violations behavior : 1. not law arrangements customer signed paid service agreement; 2. not law on paid account for real name certification; 3. processing trading beyond statutory of paid type and amount limit; 4. may in not has exemption conditions Xia, for different customer of bank account and paid account Zhijian transfers; 5. Security validation of effective elements insufficient, excess allowed trading amount.

Effect on July 1, 2016, the non-bank institutions network payment services regulations (hereinafter referred to as the measures) article 11th, through the different authentication methods in the account, according to the security level from low to high is divided into I, II, and III class III, and enjoyed a different balance of payment limits. Only through a external channel open state of ⅰ class paid account, account balance only can for consumption and transfers, limit for 1000 Yuan; through 3 a validation channel of II class paid account, account balance only can for consumption, and transfers, years paid lines for 100,000 yuan; through 5 a validation channel of III class paid account, account balance except for consumption, and transfers outside, also can purchase investment financial, financial products, years cumulative turnover highest can up 200,000 yuan.

Classification of personal payment account. Source: official website of the people's Bank of China.

Wang Yuming by personally testing, launch the app and the app is not required to pay real-name registration, without identification or authentication but not full, personal account, "micro-payments" are allowed to use the paid account features, given his treatment of I class, even Leapfrog its III treatment.

Also, non-bank paid institutions network paid business management approach 24th article provides, paid institutions should according to trading validation way of security level, according to following requirements on personal customer using paid account balance payment of trading for limit management: paid institutions used insufficient two class effective elements for validation of trading, single customer all paid account one-day cumulative amount should not over 1000 Yuan (not including paid account to customer I name bank account transfers).

However, Wang Yuming test found that "micro-payments" only password-an effective factor for security authentication, a single customer all the accounts one-day cumulative amounts far exceeding the statutory limit of 1000 Yuan (not including the payment of accounts to the customer transfer between bank accounts with the same name), constitutes a violation.

Therefore, Wang Yuming requirements, people's Bank of China, China payment clearing Association money business payment settlement business is illegal and order the rectification, and given administrative penalty according to law, while identified Wang Yuming report established by the Chinese Association of payment and clearing shall be given administrative awards.

Lawyers are dissatisfied with reported 3000 reward or bring an administrative suit

On November 17, 2016, Wang Yuming settlement violation reporting Center received reply reads: reporting centre for the verification of the tipoff, verify that partial payment of money company account is not real-name authentication, report the account involved Super CAP-and-trade transactions, the use of a validated element, individual accounts accumulated transaction amount in a single day more than 1000 Yuan, 3 violations. China Association of payment and clearing in accordance with the payment compliance compliance agreement tenpay withholding compliance margin of self-regulatory measures, and will be awarded to Wang Yuming.

On November 17, 2016, the settlement violation reporting Center, Wang Yuming reply.

The afternoon of March 7, Wang Yuming received 3000 reports of China Association of payment and clearing his reward. In response, Wang Yuming, said he was dissatisfied with the process and the results of this event.

Wang Yuming methyl pointed out that, first, China paid liquidation Association of efficiency is low, failed to according to paid settlement illegal violations behavior reported award approach (following referred to approach) of related provides strictly implementation; second, China paid liquidation Association failed to according to approach 17th article of provides: Association should established public, and transparent, and efficient of reported award implementation mechanism, announced reported accepted, and survey processing results, reported matters, no on this reported for announced, That failed to meet the chastening effect on other institutions; and, third, the processing result is negligible, failed to achieve a disciplinary role Finally, the administrative incentive amounts are too small, incentives cannot be achieved.

On March 7, Wang Yuming from the Chinese Association of payment and clearing 3000 Yuan to report to his reward.

Wang Yuming methyl explained, according to paid settlement illegal violations behavior reported award approach implementation rules (following referred to rules) of provides, each home paid institutions paid margin 50,000 yuan, has illegal violations behavior will for deduction, deduction of margin as penalty into reported Award Fund, for General illegal violations matters award standard for 200 Yuan to 2000 Yuan, serious illegal violations matters reported award standard for 500 Yuan to 10000 Yuan; on in China has larger effect of cases reported, Award amount not exceeding 100,000 yuan. This event has great influence in China, so the award amount should be between 10,000 to 100,000 is appropriate.

Wang Yuming believes that China Association of payment and clearing of self-discipline discipline does not replace the administrative penalty, on November 21, 2016, the mailing of the application for administrative punishment to people's Bank of China, asked the people's Bank of China to micro-payment of administrative penalties related companies, but so far no reply had been received. Wang Yuming was considering whether the incentives bring an administrative suit.

律师举报微信支付违规，获3千奖励，仍将提起诉讼 - 微信支付,微信 - IT资讯

2016年7月10日、9月5日，律师王豫甲两次向中国人民银行、中国支付结算协会实名举报微信支付存在违规行为。2016年11月17日，支付结算违法违规行为举报中心回复王豫甲称，其举报属实，将对其予以奖励。3月7日下午，王豫甲收到了中国支付清算协会发给他的3000元举报奖励。对此，王豫甲表示，他对此事件的过程和结果都不满意。

律师实名举报微信支付存在违规行为

2016年7月10日、9月5日，律师王豫甲两次向中国人民银行、中国支付结算协会实名举报财付通支付科技有限公司(以下简称“财付通”)和深圳市腾讯计算机系统有限公司(以下简称“腾讯”)。王豫甲称，财付通和腾讯合作经营的“微信支付”存在五类违规行为：1.未依法安排客户签订支付服务协议;2.未依法对支付账户进行实名认证;3.处理交易超出法定的支付类型和金额限制;4.可能在不具备豁免条件下，为不同客户的银行账户与支付账户之间转账;5.安全验证的有效要素不足，超额准许交易金额。

2016年7月1日正式实施的《非银行支付机构网络支付业务管理办法》(以下简称《办法》)第十一条规定，通过不同身份验证方式所开的支付账户，按照安全级别从低到高分为I、II、III三类，并享有不同的余额支付限额。只通过一个外部渠道开立的Ⅰ类支付账户，账户余额仅可用于消费和转账，限额为1000元;通过3个验证渠道的Ⅱ类支付账户，账户余额仅可用于消费、转账，年支付额度为10万元;通过5个验证渠道的Ⅲ类支付账户，账户余额除用于消费、转账外，还能购买投资理财等金融产品，年累计交易额最高可达20万元。

个人支付账户分类表。图片来源：中国人民银行官方网站。

王豫甲通过亲自测试发现，开通微信和微信支付均不需要实名注册，对于未经身份认证或虽经身份认证但程度不充分的个人支付账户，“微信支付”均允许使用支付账户功能，赋予其I类待遇，甚至越级赋予其III类待遇。

此外，《非银行支付机构网络支付业务管理办法》第二十四条规定，支付机构应根据交易验证方式的安全级别，按照下列要求对个人客户使用支付账户余额付款的交易进行限额管理：支付机构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)。

但是，王豫甲实测发现，“微信支付”只采用密码一种有效要素进行安全验证，单个客户所有支付账户单日累计金额远超法定的1000元限额(不包括支付账户向客户本人同名银行账户转账)，构成违规。

因此，王豫甲要求，中国人民银行、中国支付结算协会认定财付通经营支付结算业务存在违规，责令其限期整改，并依法给予其行政处罚;同时，认定王豫甲举报成立，由中国支付清算协会依法给予其行政奖励。

律师对3000元举报奖励不满或提起行政诉讼

2016年11月17日，王豫甲收到支付结算违法违规行为举报中心的回复，内容为：举报中心对其所举报事项进行核查，确认财付通公司存在部分支付账户未实名认证、举报所涉及的支付账户超限额交易、采用一种要素进行验证的交易，单个账户单日累积交易金额超过1000元等3个违规行为。中国支付清算协会根据《支付结算守法守规协议书》对财付通公司采取扣缴合规保证金的自律措施，并将对王豫甲予以奖励。

2016年11月17日，支付结算违法违规行为举报中心给予王豫甲的回复。

3月7日下午，王豫甲收到了中国支付清算协会发给他的3000元举报奖励。对此，王豫甲表示，他对此事件的过程和结果都不满意。

王豫甲指出，首先，中国支付清算协会的工作效率很低，未能按照《支付结算违法违规行为举报奖励办法》(以下简称《办法》)的相关规定严格执行;第二，中国支付清算协会未能按照《办法》第十七条的规定：协会应当建立公开、透明、高效的举报奖励实施机制，公布举报受理、调查处理结果等举报事项，没有对这次举报进行公布，以至于未能达到对其他机构引以为戒的作用；第三，本次事件的处理结果十分轻微，未能达到惩戒的作用;第四，本次行政奖励数额太小，无法达到激励作用。

3月7日，王豫甲收到中国支付清算协会发给他的3000元举报奖励。

王豫甲解释，根据《支付结算违法违规行为举报奖励办法实施细则》(以下简称《细则》)的规定，每家支付机构缴纳保证金五万元，有违法违规行为将进行扣除，扣除的保证金作为违约金纳入举报奖励基金，对于一般违法违规事项奖励标准为200元至2000元，严重违法违规事项举报奖励标准为500元至10000元；对在中国有较大影响的大案要案举报，奖励金额最高不超过10万元。而本次事件在中国有较大的影响，故奖励金额应当在1万至10万之间较为妥当。

王豫甲认为，中国支付清算协会的自律惩戒不能替代行政处罚，故2016年11月21日，其向中国人民银行邮寄了《行政处罚申请书》，要求中国人民银行对微信支付相关公司进行行政处罚，但至今未收到任何回复。王豫甲正考虑接下来是否就行政奖励提起行政诉讼。