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Two Dimensional Code Payment To Stop Money Paid Through Multi-Agent Phenomenon Chaos

2014/5/2 10:39:00 22

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Two Dimensional Code Payment Money Paid Multi-Level Proxy

"now the regulators do not say anything, nor discuss the security of the business form. A fortune paid to the relevant responsible person. He still believes that the moratorium may be related to the interests of others, but we will fully cooperate in implementing this policy. 
 from a number of people familiar with the matter was informed that, including Cai Fu Tong, Alipay, a number of third party payment to carry out two-dimensional code payment before, did not report to the central bank. The information was also confirmed by an authority close to the central bank. 
 and according to the reporter's investigation, as early as October 2013, Cai Fu Tong listed the three party companies of Shenzhen Wei Fu Tong Technology Co., Ltd. (hereinafter referred to as "Wei Fu Tong") as partners and signed a cooperation agreement. Through the opening of these partners to the interface, and then by the development of multi-level partners agents, Tencent fortune paid mobile payment products business promotion, "including expanding businesses, providing technical support and related services". 
 a cooperation agreement signed by viforton and first class agents shows that under the relevant interface of the mobile payment system of wealth payment, Wei Fu Tong develops the "merchant mobile payment management platform", and merchants can access the treasury through the platform. The platform includes mobile payment terminal (SPAD), merchant mobile payment software (SPAY), and SwiftPass mobile payment management background (including mobile version and mobile WeChat version). 
 money Fu Tong's two-dimensional code payment mode, merchants enter the information of consumers' purchases of goods or services to the SPAD mobile payment terminals hardware and SPAY software, and the equipment automatically generates two-dimensional code. Consumers then get the consumption information through WeChat scanning two-dimensional code, replacing the links of the POSS card passing through the line, and finally pay the WeChat payment function by binding the bank card. 
 "equivalent to the conversion of traditional offline payment to online payment by sweeping code." In this mode, Cai Fu Tong tied up the bank card of the issuing bank and replaced the role of the UnionPay. It also acted as the role of the acquiring institution, but only from the traditional offline receipts. Remittance to the world, a person said. 
 reporter survey found that the core problem is that the "merchant mobile payment management platform" is embedded in the account that has not been monitored by the bank, and the capital that money paid as a return to merchants is collected from the account in the platform, and there is a hidden danger in the safety of funds. This is also an important reason for the central bank to suspend payment of two-dimensional code. 
 in addition, through the multilevel agency mode, the treasury pays off the profits to the agents while reducing the rate splitting of the issuing bank. It breaks the rate sharing rules under the traditional line credit card payment, opens up a new payment mode and ecology, and the interests of the UnionPay, issuing bank and receiving institutions under the traditional mode are damaged. 
 April 28th, in an exclusive response to Cai Fu Tong, it was said that "two dimensional code payment" as an innovative payment service, the finance paycom and the third party payment institutions in the industry will follow the guidance and regulatory requirements of the central bank. 
 at present, Cai Fu Tong has conducted a gradual and orderly moratorium on related business and cooperation. 
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 in the business development mode of CAI Fu Tong, which develops multi-stage agents through partners, Wei Fu Tong has developed a "business mobile payment management platform" as a partner. On the other hand, the platform connects with merchants as a cash payment account for acquiring institutions. 
 "equivalent to" Wei Qing Tong "made a" two clear "(two level clearing system), all the money from the Treasury pass through the account of Wei Fu Tong, in order to return to the merchant account. This account is not subject to bank supervision (not a custodian account). It has the risk of embezzling funds at any time. A fortune pay two dimensional code payment agent thinks. 
 according to the central bank's "management measures for bank card collection business", the receiverers should establish a risk management system for fund settlement, do not misappropriate the funds for special merchants to settle accounts, establish a risk monitoring system for acquiring transactions, check the suspicious transactions in time, and take effective measures. 
 a third party who is engaged in traditional acquirer business believes that according to the normal process, the path of capital flow is "consumer accounts - UnionPay - acquirer business account", and information transmission is reversed. In the two-dimensional code payment mode, Fu Fu Tong has assumed the dual role of the UnionPay and acquiring institutions. The funds returned to the merchants should be directly entered into the account of the merchant through the financial pass, and the clearing accounts can only be carried out by the paid through licence. 
 reporters learned from an agent's marketing information that in order to ensure the safety of funds, Wei Fu Tong initially planned to introduce bank custodial accounts into the platform. That is to say, the money paid through the viforton platform account to the merchant account is carried out under the supervision of the bank. 
"P", "Wei Fu Tong first let us find bank cooperation, on the one hand is account supervision, on the other hand, as partners to help us develop business, banks are unwilling to cooperate." The agent said, "at last, Wei Fu Tong opened an ordinary" collection and payment "company account in Minsheng Bank. All the funds were collected from this account and there was no bank custody and monitoring. 
 the central bank has said that the suspension of two-dimensional code payment is based on security considerations, and its information security and financial security need to be further studied. 
"P > above the central bankers said," the two-dimensional code payment is a completely new mode. The security has not been certified, and there is no test standard at present. In the traditional payment mode, bank cards and POSS machines have strict standards both at home and abroad. The relevant equipment and technology are tested by third parties. In addition, the technology content of two-dimensional code is not high, and the technical threshold of producing and generating simple two-dimensional code is very low, so the risk is relatively large. 
 The Official Reply of CAI Fu Tong said: "according to the opinions of the central bank and the association of payment and liquidation, Cai Fu Tong is actively discussing with the regulatory authorities, professional organizations and security agencies to develop the payment standard of two-dimensional codes." 
 "the core of the two-dimensional code payment is to make the offline business online. Innovation needs encouragement, but there must be a bottom line of safety. A third party payment believes that the payment of two-dimensional code has broken through the regulatory red line. 
 according to the reporter's investigation, before paying, fortune paid at least to the two partners of Wei Fu Tong and Yue le to open the interface of two dimensional code payment, and the terminal platform corresponding to the merchant was developed by two companies respectively. For the reporter "whether there are other open interface partners, and whether the above platform has been approved by Fu Tong Tong", Cai Fu Tong refused to respond; the general manager of Wei Fu Tong, Dan Dan, said no comment. 
 after the central bank suspended payment of two-dimensional code, Cai Fu Tong sent a letter to Wei Fu Tong to suspend business promotion. 
"P", according to a person familiar with the matter, Cai Fu Tong believes that this mode of agency is mixed up, and internal discussions are on whether to recover all agents. 
 peel off multi tier agency benefit sharing system 
 < < a > href= > http://www.91se91.com/news/index_cj.asp > > offline payment > /a > mode, business expansion is generally undertaken by the receiving institutions including bank and third party payment. The bank itself has a large number of customer resources, most of which are undertaken by the bank account manager, and the third party payment is direct or agent mode. 
 reporter survey found that Cai Fu Tong two-dimensional code payment no matter in the mode of business expansion, or breaking rules, all broke the traditional standard. The original line payment ecology is a subversive change. 
 the business expansion of CAI Fu Tong is also an agent mode, but there is a layer of "partners", such as the development of agents by Wei Fu Tong as partners, and the mode of multi-level agents. 
 "we are agents at the regional level. Before the central bank suspended the payment of two-dimensional codes, most of the merchants were developed by ourselves. We also developed several two tier agents. As for the following three or four agents, we are not clear." The above financial agents said. 
 the aforementioned Measures stipulate that the acquirer shall provide the two party's outsourcing services separately, and the management responsibility and risk taking responsibility of the acquirer as the main body of the acquirer shall not be transferred due to the outsourcing relationship. 
 "acquiring business is being outsourced at all levels, resulting in the dilution of the profit of the agents, especially the last layer of the agent's profit margins, which may ease the examination of the qualification of merchants." 
 a traditional third party payment recipient said, "according to the price guidance regulation of the NDRC, the fee charged by the acquirer through the agent and the merchant can not exceed a certain limit. There is a slight difference in each industry, and the catering industry is 1.25%." 
 agent revealed that under this multi-stage agency mechanism, the rate charged by Fu Tong through the rich to the first level agent was 0.65%, and then decreased to 0.55%. The final payment rate of the merchant was discussed by the agents and merchants, and there was no upper limit on the rates. The more part was the profits of the agents. Under the multi-level agency mechanism, the rates paid by the next level agents to the upper level agents were also discussed by the two parties, and the rate difference was the profit of the intermediate agents. 
 "superior agent develops subordinate agent, and then profits from it. This is similar to" pyramid selling ", which destroys the original agency mechanism. The above third party payment people who are engaged in the traditional collection are called. 
 according to the above rate mechanism, the 1.25% rate paid by merchants is only 0.65% or 0.55% from the first class agents. The rate is lower, and more than half are paid to partners and agents. 
 payment under the traditional line, the card issuing bank, the UnionPay and the receiving organization are generally divided into 7:2:1 for the business card printing fee. That is to say, the rate of agents developed by outsourcing institutions is divided by the receiving institutions from the above 2 of the total rate. 
Less than P, the payment mechanism of CAI Fu Tong's two dimensional code is by way of huge profits to partners and agents. The purpose is to quickly expand merchants. 
 according to the reporter, after the three party payment of Alipay, Cai Fu Tong and other banks, the cardholders pay quickly through the third party payment channel. At present, the rate of Alipay and Fu Tong pass to the bank is 1 per thousand -3 per thousand, or even free. In the traditional offline credit card payment mode, the proportion of issuing banks is 7, and the rate of credit card rate of 1.25% is 0.875%. 
 "every industry has its rules. If this goes on, no one else can play. I think this agency mechanism is quite confusing. The central bank's suspension is entirely justified. The third party payment people who are engaged in the traditional collection of the above said. 
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 CAI Fu Tong pays high attention to the payment of two-dimensional code. It has never wanted to be temporarily suspended by the central bank. 
 according to the survey, only when fortune paid to the open interface of Wei Fu Tong, Wei Fu Tong has developed 1 exclusive agents in six provincial-level regions of Guangdong, Hunan, Hubei, Guangxi and Liaoning respectively. Lok Fu has also developed a large number of agents in many regions. 
 "there are two agents in the first tier agents. Last time we held the national agent conference, we had 70 tables. A fortune paid agent said. 
 fiscal Fu Tong one level agent revealed that the company has expanded 11 outlets, of which 8 are direct business outlets, 3 are two class agents, and 200 are employees. 
 "according to the terms of the contract, we have made 700 thousand payments to viforton, including agency fees and the purchase of terminal system equipment. Plus office leasing, staff salaries and so on, the total investment now nearly 4 million. The above one agent said, "the company is specially established for this agency business. Now the business has been suspended and the more than 200 people have been idle for more than a month." 
 The Official Reply of CAI Fu Tong said, "for the legitimate rights and interests of partners, financial pays attention to it and will be safeguarded under the premise of following the supervision opinions and relevant laws and regulations."