Micro-letter how to carry out real-name real-name micro-letter without the real name will have any impact?

Why do micro-letters need to be real-name

The need for real-name system is because last December, the People's Bank issued the "non-bank payment agencies network payment business management measures", "approach" clear the establishment of "payment agencies classified Supervision Index system." Implemented since July 1, 2016.

The "method" divides the individual payment account into three categories, different payment accounts correspond to different functions, if the user does not improve the account information in time, will not be able to use the normal network payment function: For example, can not send red envelopes.

On the specific classification,

Ⅰ accounts only need an external channel to authenticate customer identity information (such as network verification of Identity card information), account balances can be used for consumption and transfer, mainly for customers small, temporary payment, authentication simple and quick. The transaction limits for Ⅰ accounts are relatively low, but the payment agencies can increase the transaction limit by upgrading the Ⅰ accounts to Ⅱ or Ⅲ accounts by strengthening client authentication.

Ⅱ and Ⅲ accounts of the customer real-name authentication is relatively high, to a certain extent, to protect against Kana, anonymous payment account problems, to prevent unscrupulous people to risk the use of others to open payment accounts and commit criminal acts, therefore has a higher transaction limit. In view of the high risk level of investment banking business, the "method" stipulates that only the real-name verification intensity of the Ⅲ class account can use the balance to buy financial products such as investment and finance, to protect the security of customer funds.

The above classification mode and payment function, transaction quota management measures only for the payment account (such as micro-letter Payment "change"), customers use bank account payment (such as bank Gateway payment, bank card fast payment, etc.) are not subject to the above functions and limits.

How to actively carry out real name authentication

Comprehensive on the micro-credit system to pay the impact of Alipay is still very large, then our payment account how can the real-name system? In the case of micro-credit payment, the real name of the account has the following steps and methods.

Micro-credit real name authentication operation Process Introduction

Please login to micro-letter-click "I"-"wallet", according to the following illustration of the instructions to add a bank card.

How do you know if you're real

Users who have added bank cards to the micro-credit payment platform are real-name users. If you have previously added a bank card, then the untied, has also completed the real name, no need to tie the card.

The ways in which identity information can be perfected

Micro-Credit Payment team provides bank card verification, the Ministry of Public Security ID verification, operator phone number verification and other channels to help users improve real-name information to meet the regulatory level of the real-name requirements.

Real-Name certification added bank card need to open online banking?

No.

is card and credit card OK?

Not limited, all can.

Overseas users, as well as domestic users, the need for real-name certification?

Foreign users use RMB purse, according to the central bank regulations, also need to meet the real-name requirements, and the mainland users are consistent.

Real-Name certification to submit personal information, micro-letter how to protect users ' privacy security

Micro-credit payment from products, technology, operations, wind control and other aspects of the overall protection of user information security, certification is also through the Ministry of Public Security, banks and other authoritative institutions to ensure the user's information security.