To borrow the account "bypass" The road of the Death Seal

Summary: Internet payment finally ushered in the first industry regulations. Yesterday, the central bank issued the "payment agencies Internet payment business management measures (draft)" (hereinafter referred to as the "method"), to the community for public comment. The approach states that the payment of accounts

Internet payments finally ushered in the first industry regulations. Yesterday, the central bank issued the "payment agencies Internet payment business management measures (draft)" (hereinafter referred to as the "method"), to the community for public comment. The method states that the payment account will be opened to the real-name, payment agencies shall not provide customers with account overdraft, cash access and financing services.

To borrow the account "bypass" The road of the Death Seal

Phenomenon: Consumer Ms. Li bought a pair of trousers from an online shop, transfer from a bank credit card that was bound by the payment account. After the size of trousers due to not full application for return. After the return was completed, the 400-dollar refund for the trousers was returned directly to the payment account, and Ms. Li transferred it to another bank's debit card, which was a process of "free transfer through payment of accounts".

Such examples in the online shopping is not uncommon, the cardholder in order to save 1% of credit card overdraft fee, and the use of payment account "bypass" operation.

Approach: In the case of payment of funds to pay accounts, in addition to e-commerce transactions payments, public utilities, credit cards, such as personal consumption credit repayment, purchase of specific financial products transactions, the customer payment account should be transferred through the transfer of the relevant bank account funds transferred out of the payment agencies.

This means that in the future to pay treasure "detour" to achieve free credit card channels will be blocked.

The scheme also stipulates that payment agencies shall not provide account overdraft, cash access and financing services to clients. Credit cards must not be overdrawn to recharge the payment account, which will prevent the use of credit cards disguised as overdraft. However, the payment account can be credit card and other personal consumption credit repayment, including mortgages, car loans, student loan and other personal consumption loans.

The payment institution shall not open an anonymous account

Phenomenon: Due to easy transaction, low cost and lack of supervision, the third party network payment in the rapid development, but also gradually become money-laundering, and so on "gray" behavior of many areas. It has occurred in the Internet payment industry before the use of pseudonyms to open, or directly embezzle, Internet payment accounts to evade financial regulation and even to commit fraud.

Method: "The method" clearly, the payment account opened the real-name real-name. The payment institution is responsible for the authenticity of the customer's identity information. The payment institution shall not open an anonymous or pseudonym payment account for the customer.

When an individual customer applies to open a payment account, the payment institution shall register the customer's name, sex, nationality, occupation, address, contact information and the type, number and expiry date of the customer's valid identity document, and examine the authenticity of the basic identity information, such as the customer's name, gender and valid ID.

The scheme requires payment agencies to remind customers that the balance of funds in the payment account is maintained at a reasonable level and that they should not be guided in any way to encourage clients to deposit funds in the payment account. For "personal payment account for a single sum of 10,000 yuan, all payment accounts opened by the individual customers accumulated more than 50,000 yuan or the balance of funds for 10 consecutive days more than 5000 yuan" and other large amounts of payment, the payment institution must retain the individual customer's valid identity card copy or photocopy. "

The "approach" also requires payment agencies to protect the security of customer information, not for any unit or individual inquiries into the payment of account information, and may not be arbitrarily frozen, deducted payment account funds.

Voice

Real-name is just the beginning

"The opening of the payment account is the real name, which indicates that the security of funds is the focus of the method." "The Information Institute of the Academy of Sciences Secretary General, internet expert qiping (micro Bo) said that the payment account real-Name system is very necessary, this provision will promote the integrity of e-commerce development."

But Qiping also pointed out that the introduction of the "approach" is only the beginning of the Internet payment policy, the future of internet payment is facing a more serious security situation. "It technology is evolving, the issue before the regulator is also constantly updated, the introduction of the" method "is mainly for the Internet to pay the financial security, belonging to the basic services, but information security, data security is also worthy of attention, such as how to ensure the security of online payments, to protect the security of network accounts. ”

Qiping cited the previous "Csdn user leaks door" that the Internet payment security supervision in the future should be combined with it technology, mobile technology, information security and financial security integration from the perspective of improving services, the next step to be issued for information security, more sophisticated and perfect management methods.

Background

Internet payments Mixed

"To buy anything online", in recent years swept the global E-commerce wave, the Internet payment business scale expands rapidly, is now in the mainstream status of Third-party payments.

At present, among the 40 companies that have been paid by the central bank's third party, the Internet payment business is 30 and is in absolute strength. Analysys International statistics show that in 2010, Internet payment transactions accounted for the total Third-party payment market share of up to 96%.

However, while the market scale is getting higher, the security of Internet payment is becoming more and more prominent, and the security of Internet payment is the most complicated, compared with other subdivision areas such as prepaid card, bank card receipt and so on, the supervision policy must restrain the payment risk from the system level as far as possible.