It is said that "there is no cost", but after binding the information, "brush a 298 yuan flow to activate the machine"; The agreed "swipe the card every second and swipe the card every second" turned into "swipe the card every second to a pile of small coupons". In such a "clever" script, a POS machine was successfully promoted, and the user lost 298 yuan directly. Have you ever experienced such a process?
On April 18, the reporter of Beijing business daily experienced the POS machine registration process of Beijing Haike RONGTONG Payment Service Co., Ltd. (hereinafter referred to as "Haike RONGTONG"), a third-party payment institution. After indicating to the "card reader customer service" that he is not a merchant and whether the registered POS machine can be used for cash out, the other party still stressed that it doesn't matter, saying that the merchant's incoming information can be filled in casually, and the company will match the appropriate merchant for the transaction.
incoming information "fill in"
even "cash out" doesn't matter
The chaos of third-party payment and acquiring business still occurs. Recently, the reporter of Beijing business daily received a marketing call claiming to be the promotion personnel of Haike RONGTONG, promoted one of its POS machines to the reporter, and said that it was "free to use without any cost". Then, according to the introduction of the other party, the reporter received a Haike RONGTONG POS machine in the form of SF to pay 39 yuan.
After receiving the machine, another so-called "customer service of card swiping machine" repeatedly urged the reporter of Beijing business daily to activate the machine in the after-sales group, and said that the postage can be refunded after the POS machine is activated. On April 18, the reporter measured the activation process of Haike RONGTONG POS machine and found that there were many fishy things in it.
According to the information provided by the above "card reader customer service", the reporter of Beijing business daily downloaded the haiyunfu app under Haike RONGTONG. After simple account registration with mobile phone number, it entered the "merchant incoming type" link. The options include "small and micro merchants without business license" and "small and micro merchants with business license".
Before the next operation, the reporter of Beijing business daily admitted to the "customer service of card swiping machine" that he was not a merchant and whether he could use his own credit card for "cash out" operation in the future. At the same time, he raised concerns that such transaction mode may lead to the closure of credit card and the amount of "cash out" in the future.
For the questions raised by the reporter of Beijing business daily, the other party always indicated that it would not be affected. The upper limit of the transaction on that day was 300000 yuan, and proposed that "our machine will match the merchant according to your card swiping time and card swiping amount, and the card swiping is with points". When the reporter further asked whether this meant that there would be a real consumption record, he also received a positive reply from the other party.
According to the recommendation of the other party, the reporter of Beijing business daily chose "no business license" and entered the next step of information filling, including the applicant's name, the merchant's detailed address and MCC number (i.e. "merchant category code"). When asked whether it is necessary to fill in the real information, "customer service of card swiping machine" even said "fill in casually"P align = "center" activate the process page of Haike RONGTONG POS machine
Finally, the reporter of Beijing business daily completed the "small and micro merchant access" of Haike RONGTONG POS machine with fictitious address information and online merchant type. In response to this situation, the reporter also learned from a number of payment practitioners. The replies obtained were that individual users are not allowed to hold POS machines in principle. This merchant access process does not comply with the regulatory provisions.
Wang Pengbo, senior analyst of Broadcom analysis, said that in the actual scenario, pure individual users cannot apply for POS machines in principle. Before a merchant enters the network, relevant institutions need to verify the merchant's certificate or business facts. If the other party knows that the user is not a real merchant and the purpose is to "cash out", it is obviously in violation of regulatory requirements to provide support for such activities.
making false transactions
credit card 298 yuan to 3000 yuan cash coupon
Why sell this POS machine to users against the regulatory red line? The operators behind it are still profitable. After the reporter of Beijing business daily completed the registration of relevant information, the "card swiping machine customer service" further proposed to swipe 298 yuan to open the code scanning function of machine card swiping, "credit card or savings card can be swiped for seconds".
In this link, the reporter of Beijing business daily repeatedly confirmed to the above personnel whether the credit card amount immediately reaches the previously bound self owned savings card, and whether other thresholds or other charges will be set. The other party repeatedly confirmed and replied that "to your own bound account".
According to the card swiping case given by the other party, the reporter of Beijing business daily swiped 298 yuan with his own credit card, but failed to receive the payment in the end. Bank transaction details show that the payee is Beijing Kuntai business center, and the bank transaction type is "consumption". Swipe the card on the POS machine in hand, but the transaction information shows that the payee is another merchant, which also confirms the previous proposal of the "card swiping machine customer service" to "match the real merchant for the user"P align = "center" transaction details after card swiping
As for why the 298 yuan credit card amount failed to arrive, the above "credit card machine customer service" said grandly: "the 298 yuan just brushed will be returned to your haiyunfu app account in the later stage in the form of 3000 yuan cash coupon. Each credit card will help you deduct the handling fee of 3 yuan until it is deducted."
At the same time, the above personnel also proposed that if the use of this machine can be guaranteed, there will be a flow of 10000 yuan per month within six months, and 298 yuan will also be returned to the bound bank card after six months.
It is worth mentioning that the reporter of Beijing Business Daily has repeatedly reported the chaos of Payment institutions' acquiring business in the promotion of POS machines, which involves a large number of illegal cash out behaviors, as well as the use of "low rate, free use fee" and other words to attract users to have problems such as card failure after using POS machines, which also allows relevant payment institutions to receive a large number of complaints from users.
In the POS machine promotion routine experienced by the reporter of Beijing business daily, what is the relationship between relevant personnel and Haike RONGTONG, the payment institution behind it? Does Haike RONGTONG know about this business process?
On August 18, the reporter said that the agent of Haijin company paid great attention to the promotion of the coupon and POS, but the agent of Haijin company paid close attention to the promotion of the coupon and POS. Once the above situation is found, it will be strictly handled in accordance with the management measures of bank card acquiring outsourcing service agreement.
Wang Pengbo pointed out that agents hide the necessary conditions in the promotion link, and users know they have been cheated only after they fail to swipe their card. This is also one of the common "routines" in the POS promotion link of Payment institutions. Agents often sacrifice users' rights and interests in order to improve merchants' access rate and improve the overall transaction flow.
is illegal business diversion
decentralization requirements should also be increased
On the other hand, in addition to the problems in the merchant access link, the reporter of Beijing Business Daily also noticed in haiyunfu app that the home page of haiyunfu app also has a "credit investigation business" section to provide users with personal credit investigation objection appeal and debt optimization, and the operation subject is a third-party organization.
On March 30, the national development and Reform Commission made it clear that the market entities related to this kind of business swaggered and cheated in the name of "credit investigation repair" and "credit investigation whitewashing", and required that they be "cleared" by the end of June 2022P align = "center" presentation of relevant pages
For this drainage situation, the reporter of Beijing Business Daily also learned from Haike RONGTONG. Haike RONGTONG also said that the company did not know about it, had conducted verification simultaneously, and asked the agent operator to remove the relevant page. As of the time of publication, the relevant pages could not be viewed.
Public information shows that Haike RONGTONG obtained the payment license issued by the central bank in 2011, and its business type is bank card acquiring business nationwide. In December 2020, A-share listed company Beijing Cuiwei Tower Co.Ltd(603123) completed the acquisition of 98.3% equity of Haike RONGTONG. According to Beijing Cuiwei Tower Co.Ltd(603123) financial report, the net profit of Haike RONGTONG attributable to the shareholders of the parent company in 2021 was RMB 185 million to RMB 215 million.
Yu Baicheng, President of zero one research institute, told the Beijing Business Daily that the essence of credit card cash out is to directly convert the credit line in the credit card into cash through deception. This violation is easy for individual users to hold POS machines. For financial supervision, as the cash out funds are withdrawn by means of consumption, they are not in the bank's credit business and are separated from the supervision system, which may further disrupt the financial order.
\u3000\u3000 "If the use of credit card cash out causes serious consequences, the user may also constitute a criminal offence. When providing POS services, the third-party payment institution should make clear the risk of such violations, and monitor and stop the fictitious transactions and illegal cash out during the use of pos. the payment institution should delegate the relevant promotion and agent access authority to the agent, and should also put forward the same requirements to the agent, which is equally unreasonable in the management of the agent Can relax. " Yu Baicheng added.
Wang Pengbo also stressed that agents do not verify the identity of online merchants, and cooperate with users with cash out needs to forge online access, which also shows that Haike RONGTONG still has loopholes in agent management and should "check and make up for loopholes" in its own sales system. At present, the supervision of acquiring business is becoming stricter, and Payment institutions should continue to strengthen agent management.
When asked about the company's business development and subsequent compliance arrangements, Haike RONGTONG said that the company closely combined deep ploughing payment with self innovation around the pain points and difficulties of user needs, so as to achieve performance growth. At the same time, the management of agents and partners is an important part of the work of Payment institutions. The company will strictly fulfill the requirements of regulatory authorities for compliant operation and strengthen the supervision and restraint of agents and partners.
