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However, Hang Yu could still sit still, so he only sent Xia Ming to negotiate with the person in charge of the Jiangsu branch, hoping to solve this matter as soon as possible. The next day, Xia Ming brought back a copy of the "Measures for the Administration of Online Payment Business of Non-bank Payment Institutions (Draft for Comments)".

The draft of this management method, as revealed by Secretary Bai, aims to improve the security level of the account.

Article 17 of the Consultation Paper reads: "Where a payment institution handles a transfer from a bank account to a payment account for a customer, the transfer account shall be limited to the bank debit account with the same name as the payment account customer." If the transfer from the payment account to the bank debit account is handled, the transfer account shall be limited to one bank debit account with the same name designated by the customer in advance. ”

The new rules have no restrictions on transfers, and are intended to require payment companies to provide more security measures.

There are some scammers who steal the victim's payment account and withdraw or transfer the stolen customer funds to the suspect's account. This type of account that is easy to be stolen often has a low security factor, so it is necessary to strengthen the protection of this type of account. “

The person in charge of the Jiangsu branch said that the "Draft for Comments" is a manual for the classification of risk levels, the whole text is technical flow, the security level of consumer accounts is low, and from the perspective of customer security, it is the principle of entering and exiting the same card. Xia Ming said.

"Transfers in and out are limited to a debit account with the same name, which means that transfers cannot be made. "Hang Yu felt a headache when he saw so many clauses, and they were written in terms.

According to the interpretation of Article 16 of the "Interpretation of the Terms", there are two types of personal payment accounts, and the balance of the comprehensive payment account can be used for consumption, transfer, and purchase of investment and wealth management products or services. The balance of the consumer payment account can only be used for consumption and transfer to the customer's bank account in the same name, including debit and credit accounts, and cannot be used to transfer to other accounts, nor can it be used to purchase investment or wealth management products or services. The comprehensive account management is not so wide, and users should be able to choose by themselves. Xia Ming said.

The bottom end of the form

Hang Yu looked at it patiently, frowned and said, "You call all the people in the office immediately, let's analyze this report." By the way, call Jiang Rong too, it's almost time to add a member. ”

Xia Ming was slightly surprised and said, "Okay, I'll inform them." ”

As early as the establishment of the central office, Hang Yu identified two presidents as members, and three other departments. Now only Xia Ming has been selected by other departments, and there are still two places.

After a while, all the members, including Jiang Rong, gathered in the office, and everyone got a copy of the "Draft for Comments".

Hang Yu let them read it first, and then said: "What do you think about this report, you can express your own opinions." In his previous life, he knew that Alipay had been suspended through online news, but the specific situation is not clear.

Now that he has experienced it himself, Hang Yu found that it is not so simple.

"It's not the first time I've done something, and the development of micropayment was not so fierce before, so I just coordinated with us. Now I see that the momentum of micropayment is too strong, and we have also engaged in offline payment, for fear that we will affect their interests. Yue Qin said with disdain.

"No, the central bank has such a big capital. Sun Chuan said.

"Of course, it doesn't have any impact now, but micropayment is developing so fast, and it will have some impact in the future. It requires payment institutions to open accounts for individuals, and in the case of consumer accounts, three institutions are required to authenticate users. If it is a comprehensive account with financial management and transfer functions, it needs to be verified by five institutions. Yue Qin accentuated his tone on the five.

"The registration threshold has been raised, and the procedures will definitely be more cumbersome. Xia Ming said.

"What is the biggest advantage of online payment software? is convenience, opening an account requires five institutions to verify, can users stand it? Imagine creating a Weibo account to enter a mobile phone number, ID card, student ID, marriage certificate and the like, and create a fart. Yue Qin couldn't help but burst into foul language, because micropayment is a series of products on his Weibo.

"In this way, after the registration threshold is raised, it will cause us a lot of trouble to develop new users. Yang Yien understood.

"Definitely, the patience of Internet users has never been good. Yue Qin said.

After listening to Yue Qin's answer, Yang Yien's face also changed slightly, does the central bank want to make a micropayment?

"There is also Article 28, according to the verification security level of account payment, the cumulative amount in a single day is limited to 5,000 and 1,000 yuan, and we must unconditionally bear the full liability for the payment of risk losses in such transactions. Yue Qin said.

"What's the impact?" asked Yang Yien.

"To put it simply, if you want to pay as conveniently as you do now, and only enter the six-digit mobile phone password, the amount will not exceed 1,000 yuan per day. If the method of mobile phone password and SMS verification is adopted, it shall not exceed 5,000 yuan. If you wish to pay more than 5,000 yuan, you will need a digital certificate and an electronic signature. According to its explanation, the digital certificate requires another device, and cannot use the original network device. Whoever pays with a mobile phone also brings other devices, so it is basically impossible for most users to exceed the limit of 5,000 yuan. It then added that payment transactions in excess of the limit should be made through the customer's bank account. In other words, if the user patiently fills out various application forms and registers as a comprehensive user, the daily limit cannot afford to buy an Apple mobile phone. If you exceed the amount, you have to use the bank APP or bank payment, so what micro-payment do I still register, just use the bank's APP directly. Yue Qin said.

"I probably understand that the central bank is promoting their online payment business by restricting our payment software. This kind of practice is too shameless, can we only admit it?" Yang Yien was angry.

"I can only send someone to negotiate with the central bank, after all, it is a draft for comments, and it has not been officially released. However, I estimate that this time, it will not be as easy to pass as before, and it is estimated that there will be some price to pay. Yue Qin said.

Since the launch of micropayment, the central bank has sent people to find Hang Yu more than ten times.

However, they were all negotiated before, and they were negotiated to ensure that there were no problems, but this time they are going to issue the "Management Law". This means that the central bank can no longer control micropayments through negotiation, and needs to use hard rules and regulations to manage it, and the situation is much more serious than before.

"I don't think it's that serious, it's impossible to scrap the micropayment. Sun Chuan said.

"Tell us what you think. Hang Yu said.

"The level of verification security it says is only required when a new user binds a bank card, and not every payment must be verified. Moreover, there are indeed certain risks in online payment, and from the perspective of the other party, it is normal to manage and manage. Sun Chuan said.