More than 10 investors acting in Beijing a company to promote the micro-gold mobile phone POS machine

Fancy "mobile phone payment" business opportunities, more than 10 investors from all over the country, have paid a huge margin, deputy Beijing, a company to promote the "micro-gold mobile phone pos." Behold, sales found that the POS machine can not be used normally, the original company has no "payment business license", does not have the operation and investment agent "mobile phone payment" business qualification.

Lawyers said that the company was suspected of fraud, even through legal means, but such as its malicious bankruptcy, investors are still hard to recover investment. The "mobile payment" industry involves a lot of expertise, and investment needs to be cautious.

Event

Fancy "mobile phone payment" prospect

Investment by investors in Beijing

Shen Jianjun, an investor from Henan province, told the Legal Evening News reporter last June, he saw in a website that Beijing micro-Gold Digital Technology Co., Ltd. (hereinafter referred to as "micro-gold") in the promotion of a mobile phone payment products-called "micro-Gold mobile phone pos machine" small card reader.

Think of the current "mobile phone pay" The heat, Shen Jianjun will call the micro-gold company, learned that the product has been an authoritative media investment column specifically introduced. After consideration, Shen Jianjun from Henan to Beijing, "they introduced, through the ' micro-gold mobile phone pos machine ', consumers can carry out credit card payment, transfer remittances, pay water and electricity, and even can apply for small loans, I think it is really practical, signed the contract. ”

Shen Jianjun paid 10,000 yuan deposit and 220,000 yuan margin to the company, at the same time to buy nearly 7000 yuan goods, become agents.

Another investor from Yunnan Province, Hudehei, as early as December 2012 and the number of micro-gold to reach a cooperative intention to pay a margin of 1.6 million yuan, while the purchase of 550-generation white card reader, spending about 120,000 yuan.

The reporter saw, these swipe card on one side printed "Micro Gold" logo, the other side printed "UnionPay" logo. Price of about 200 yuan, sales in accordance with the company's guided prices 599 yuan/A, turned nearly 3 times times.

Credit card transfers often fail POS machine function not cashed

In February 2013, Hudehei invested more than 700,000 yuan in Guangxi to open the company, to do the training, began his provincial agent business. At that time, the micro-gold to tell him that as long as the development of 50 users, you can get a backstage, through the background can see the customer pay the situation, but also know the handling fee. UnionPay fees can also be divided, he took 12% of them. However, when he has developed more than 400 users in the local, still did not get backstage, but also did not receive the division of fees.

In addition, customers are beginning to reflect frequent credit card or transfer failure issues. And when he feeds these questions back to the company, "the company feels that these are minor problems and that they are shirking their responsibilities and not being addressed." "Hudehei said.

Other investors also said that the "micro-gold mobile phone POS machine" product features and the company's propaganda is not consistent, such as the payment of utilities, small loans, and so on, all can not be achieved. and the micro-gold commitment to the aftermarket market promotion is almost no.

The company has no "payment license" agent was "stopped" by the bank

Investigation

Due to false publicity has been investigated companies to continue to sell products

In addition to the discovery of product problems, many investors later learned that the launch of such "mobile phone payment" business, also requires the People's Bank of China issued the "Payment business license", after verification that the number of micro-gold is not available. Shen Jianjun told the law late last July that he received a notice from the local people's Bank of China that he had stopped selling his products because of the lack of a "payment business license" for micro-gold.

For investors ' inquiries, the number of micro-gold reply said that the People's Bank of China coordination, and soon to be able to do so that they can rest assured that the agency.

"For permits, the company registered capital of 100 million yuan, their company registered capital of only 1 million, how can be done." "Investors want to stop the agent to return money, the number of micro-gold can only be refunded 20%-50% margin." Shen Jianjun If choose to stop selling, throw to 230,000 yuan to only have 46,000 yuan left.

"Now every day is being urged to pay the money. Hudehei told reporters, for this matter, he will house mortgage loans and around the borrow invested about 2.3 million yuan, now have to stop the company in Guangxi, returned to Yunnan. He felt cheated and did not know how to recover the money.

On the website of Beijing Municipal Bureau of Industry and Commerce, reporter inquires, "micro-gold digital" below there is a city and Commerce Bureau of the Administrative Penalty information, showing the company in the promotional materials described in the "China UnionPay's largest mobile financial integration platform", "The first PBC bank card Testing Center certification 59 banks directly under the contract to realize transfer t+ 0 sec to account "is false propaganda."

In addition, it has not been in the bank card Detection Center for the inspection business, and the bank card Detection center has not detected a "micro-gold" this product.

Due to false propaganda, July 2013, the company was Beijing Municipal Bureau of Commerce and Industry Haidian branch fined 50,000 yuan.

At the same time, through the city Trade and Industry Bureau website of Corporate credit information inquiries, reporters see, in addition to Beijing micro-Gold Digital Technology Co., Ltd., there is a very similar name of Beijing Micro-Kim Hu-tong Technology Co., Ltd. (hereinafter referred to as "micro-gold Huitong"), the legal representatives of the two companies are Yang, and the date of establishment is 2007 years. The difference is that the former registered capital of 1 million yuan, the latter registered capital of 5 million yuan.

The reporter found on the web search, "micro-gold number of the official website has been changed to" micro-gold Huitong "in the name of continued to carry out investment work, but entered the old domain name" www.weijinpay.com "will be linked to the" micro-gold Huitong "Site page, and" micro-gold Huitong "belongs to the domain name also includes" Www.vgoldpay.com ".

Micro-Gold Huitong official online promotion of the product is also "micro-gold mobile phone pos Machine", the reporter than to provide the micro-gold number of the POS machine in kind, found extremely similar.

The day before yesterday afternoon, the reporter to want in Tianjin agent "micro-gold mobile phone pos machine" for the contact of micro-gold remittance. When the reporter expressed the willingness to invest, the other party is extremely enthusiastic, said will be their name, contact and the company address sent to the reporter mobile phone, and the next morning to the company to negotiate. However, 10 minutes later, the staff member contacted the reporter, said that through the phone number from the Internet to check the identity of reporters, and then end the conversation.

Paparazzi

Micro-Kim Hu-tong: Payment license for co-use cooperative company

Yesterday afternoon, the reporter came to the "micro-gold Huitong" is located in Haiding District North Third Ring Road, Science and Technology Exhibition Center, No. 48th, a 24E office site to visit. In a room of about 50 square meters, a number of staff are wearing headphones, to call customers to introduce "micro-gold mobile phone pos machine."

Regarding the company name change question, a company person in charge Xu said: "We are the micro-gold number pass." ”

For many investors feedback to reporters, the official said that the company has never been the agent's complaints, there is no agent returns, "the product has problems can find a solution to the company, but we have not received a similar response, and if the product has problems, we have so many agents have been doing, No complaints? ”

The responsible person acknowledges that the company does not have a payment business license, but said that because of the cooperation of "Beijing money Bag Bao Technology Co., Ltd." with the license, so micro-Kim Hu-tong can also operate related business, "Our products in the payment business is the ' money bag treasure ' platform, is a cooperative relationship." ”

But when the reporter comes forward to see the cooperation agreement and other proof, the other side says the agreement is in the hands of the company, but the leader is not in the company, "and if we have doubts about our cooperation, we can check the money bag, or resort to legal means, our relevant proof can be expressed, And certainly not who wants to see the agreement we all show it to people. ”

Money bag Bao: The other is authorized dealer cooperation content confidentiality

In this respect, Beijing money Bag Treasure Payment Technology Co., Ltd., said Mr. Kang, micro-gold (micro-Kim Hu-tong) Company is the authorized distributor of its company, but the business is responsible for promoting the scope of the agreement between the two sides of the company's products and services, did not lease or transfer the "Payment business license" to the micro-gold digital company. "We also know the relevant laws and regulations, so the use of the ' license ' is only our company, there is no lending or sharing, our cooperation is only by them (micro-gold) to promote some of our company's products and services. ”

For the money bag Bao and micro-gold number of cooperation content, the other side said that the content of the agreement is confidential, can not be informed.

As to whether there is a cooperative relationship with micro-Kim Hu-tong, Mr Kang has not responded directly, saying only that "it is understood that the dispute involves a number of micro-gold".

Investor Shen Jianjun said, "micro-gold mobile phone pos machine" card printing by the "Money Bag Treasure" Company's name. For the micro-gold card platform is money bag treasure, which is obviously the function of renting license, on this, as of the morning press, Mr. Kang did not give a response.

Bank: License cannot be leased, lent or transferred

Later, the reporter came to the Chinese People's Bank Business management department for verification, found that "Beijing Money Bag Bao Technology Co., Ltd." Indeed through the approval, processing the "Payment business license."

The reporter learned that, according to the "Non-financial institutions payment Services management measures", the company provides payment services, should first of all, according to the provisions of the "Payment business license" to become the payment agencies, while the payment agencies may not transfer, rent, lend the "Payment business license."

Lawyer

The present cooperative behavior of both sides

is the lease license relationship.

This morning, Lang Yuanjing, a lawyer at Beijing and the law firm, said the company did not have the qualifications to carry out the payment business. Micro-gold and purse-bag treasure between the two companies, whether it is cooperation or what, in the legal sense, the number of micro-gold general money bag Treasure of the payment platform, and then through some way feedback corresponding benefits to the money bag treasure, This behavior is a loan license relationship. ”

"They are very cunning, in the contract only to say that the sales card machine product line, and did not explicitly write ' mobile phone payment ' word, so escaped the agent for the" Payment business license "concern. "The behavior of the micro-gold number is suspected of fraud, franchisees can resort to legal means to make claims."

But at the same time, it should be noted that the number of fraud cases has occurred, malicious bankruptcy has become the modus operandi of these fraudsters, that is, if the company's registered capital is far lower than the debt owed, once the company filed for bankruptcy, then even through legal means it is difficult to timely compensation for the victims of money, or even become together to pay "unable to enforce" legal cases.

Lang lawyer reminded that the face of the emerging business based on mobile internet, franchisee to the field in the early stage of a comprehensive understanding, and carefully review whether the company has the relevant qualifications, for the company's propaganda, to leave evidence and to distinguish.