Looking at the business opportunity of "mobile payment", more than 10 investors from all over the country have successively paid huge deposits and acted as a "micro-gold mobile phone POS machine" promoted by a Beijing company. Unexpectedly, it was found that the POS machine could not be used normally. Originally, the company did not have a "Payment Business License" and did not have the qualification to operate and invest in the "mobile payment" business. Lawyers said that the company was suspected of fraud, even if it was legally ruined, but if it was maliciously bankrupt, the huge amount of money invested by investors would still be difficult to recover. The “mobile payment†industry involves a lot of expertise, and investment needs to be cautious. Event: Looking at the prospect of "mobile payment", investors invest in Beijing Shen Jianjun, an investor from Henan, told the "Legal Evening News" reporter that in June last year, he saw a micro-digital payment technology product promoted by Beijing Micro-Digital Technology Co., Ltd. (hereinafter referred to as "micro-gold digital communication") on a website. A small card reader called "Micro Gold Mobile POS Machine". Thinking of the current "mobile payment" fever, Shen Jianjun called the micro-gold data company, knowing that the product was also specifically introduced by the investment column of an authoritative media. After considering it again and again, Shen Jianjun came to Beijing from Henan. "They introduced that through the 'micro-gold mobile phone POS machine', consumers can pay by credit card, transfer money, pay utility bills, and even apply for small loans. I think it is quite Practical, just sign the contract." Shen Jianjun paid a deposit of 10,000 yuan and a deposit of 220,000 yuan to the company. At the same time, he purchased nearly 7,000 yuan of goods and became an agent. Another investor from Yunnan, Xu Dehai, reached a cooperation intention with Weijin Datacom in December 2012, paid a deposit of 1.6 million yuan, and purchased 550 generations of white card readers, which cost about 120,000 yuan. . The reporter saw that these card readers were printed with the "micro-gold" LO on one side, and the "UnionPay" logo on the other side. The purchase price is about 200 yuan, and it is nearly 3 times as much as the company's guide price of 599 yuan/piece. Swipe transfer often fails POS function is not honored In February 2013, Xu Dehai invested more than 700,000 yuan in Guangxi to start a company and train, and started the business of his provincial agent. At that time, Weijin number talked to him, as long as 50 users were developed, you can get a background. You can see the payment of the customer through the background, and you can 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 area, he still has not got the backstage, and he has not received the division of fees. In addition, there are customers who have reported problems with frequent credit card or transfer failures. When he gave these questions back to the company, "the company felt that these were minor problems, and they shirked their responsibilities and did not solve them." Xu Dehai said. Some other investors also said that the product functions of the "micro-gold mobile phone POS machine" are not consistent with the company's publicity, such as payment of utilities, micro-credit, etc., all of which cannot be achieved. And micro-gold promised after-sales auxiliary market promotion is almost no. Investigation: In addition to discovering problems with products, many investors later learned that the “mobile payment†business such as investment promotion agency also needs the “payment business license†issued by the People’s Bank of China. After verification, it is found that micro-gold data is not have. Shen Jianjun told the French evening reporter that in July last year, he received a notice from the local People's Bank of China that he refused to have a "payment business license" and asked him to stop selling his products. For investors' inquiries, Weijin Datacom replied that it is coordinating with the People's Bank of China and will be able to do so in the near future, so that they can continue to act as agents. "If you apply for a permit, the registered capital of the company is 100 million yuan. The registered capital of the company is only 1 million. How can it be done?" Investors want to stop the agent to return the money. The micro-gold number can only be refunded 20%~50%. Margin. If Shen Jianjun chooses to stop selling, the only 230,000 yuan thrown out will be only 46,000 yuan. "Now every day, friends are reminded to pay back the money." Xu Dehai told reporters that he had invested in a house mortgage loan and borrowed about 2.3 million yuan for it. Now he has to stop the company in Guangxi and return to Yunnan. He felt that he was cheated and did not know how to recover the money. On the website of the Beijing Municipal Administration for Industry and Commerce, the reporter inquired that there is an administrative punishment information of the Municipal Administration for Industry and Commerce under the “Micro-Gold Digital Communicationâ€, which shows that the company’s “China’s largest mobile financial integration platform in China’s UnionPay†described in the publicity materials, "The first Chinese People's Bank of China bank card testing center certification 59 banks directly under the contract to achieve transfer T + 0 seconds to account" is a false propaganda. In addition, it has not handled the testing business at the bank card testing center, and the bank card testing center has not tested the "micro gold" product. Due to false publicity, in July 2013, the company was fined 50,000 yuan by the Haidian Branch of the Beijing Municipal Administration of Industry and Commerce. At the same time, through the inquiry of enterprise credit information on the website of the Municipal Industry and Commerce Bureau, the reporter saw that in addition to Beijing Micro Gold Data Technology Co., Ltd., there is also a Beijing Weijin Huitong Technology Co., Ltd. (hereinafter referred to as “micro†Jinhuitong"), the legal representatives of the two companies are Yang Tao, and the date of establishment is 2007. The difference is that the former has a registered capital of 1 million yuan and the latter has a registered capital of 5 million yuan. The reporter found on the Internet that the official website of “Micro-gold Data Communication†has been changed to carry out investment promotion work in the name of “Micro-Gold Huitongâ€, but when the old domain name Ҡwas entered, it will also be linked to the “Micro-Gold Huitong†website page. The domain name of “Micro-Gold Huitong†also includes “;ldpay.comâ€. The products promoted by Weijin Huitong official website are also “micro-gold mobile phone POS machinesâ€. The reporter found that the micro-gold POS machine provided by investors is very similar. The day before yesterday, the reporter contacted Microfinance on the grounds that he wanted to act as a micro-gold mobile phone POS machine in Tianjin. When the reporter indicated that he was willing to invest, the other party was extremely enthusiastic. He said that he would send his name, contact information and company address to the reporter's mobile phone, and he would meet with the company the next morning. However, after 10 minutes, the staff contacted the reporter and said that the identity of the reporter was checked online from the caller number, and then the conversation was ended. Follow up Micro-gold Huitong: payment license for the shared partner company Yesterday afternoon, the reporter went to the office of “Weijin Huitong†located at 24E, Building A, Building 1, Science and Technology Exhibition Center, No. 48 North Third Ring Road, Haidian District. In a room of about 50 square meters, a number of staff members are wearing headphones and introducing "micro-gold mobile phone POS machines" to customers who call. Regarding the change of company name, Ms. Xu, a person in charge of the company, said: "We are micro-numeric." For the feedback from many investors to the reporter, the person in charge said that the company has never received complaints from agents, and there is no situation in which agents return. "If there is a problem with the product, you can find a solution for the company, but we have not I have received a similar response, and if there are problems with the product, we have been doing so many agents, and there are no complaints?" The person in charge acknowledged that the company did not have a “Payment Business Licenseâ€, but said that because of the cooperation of “Beijing Qianbaobao Payment Technology Co., Ltd.â€, the micro-gold Huitong can also operate related business. “Our products are paying. The business is the platform used by 'Qianbaobao', which is a cooperative relationship." However, when the reporter asked for a certificate of cooperation agreement, the other party said that the "Agreement" was in the hands of the company's leaders, but the leader is not in the company now. "And if there is doubt about our cooperation, we can verify it to Qianbaobao, or sue. All the legal means, our relevant proofs can be clearly stated, and certainly no one can see the agreement, we all come out and show it to people." Qian Baobao: The other party is authorized dealers to cooperate with the content confidentiality In this regard, Mr. Kang, the relevant person in charge of Beijing Qianbaobao Payment Technology Co., Ltd., said that Microgold Datacom (micro-gold Huitong) is an authorized dealer of its company, but the business is responsible for promoting the money bag within the scope of the agreement. Baobao's products and services have not leased or transferred the “Payment Business License†to Weijin Datacom. "We also know the relevant regulations very well, so the right to use the 'license' is only our company, there is no loan or sharing. Our cooperation is only to promote some products and services of our company by them. "" In response to the cooperation content between Qianbaobao and Weijin Datacom, the other party stated that the content of the agreement was confidential and could not be notified. Regarding whether or not he has a cooperative relationship with Microfinance, Mr. Kang did not respond directly. He only said that “it is understood that this dispute involves micro-micro data communicationâ€. Investor Shen Jianjun said that the "micro-gold mobile phone POS machine" card prints the name of the "Qianbaobao" company. For the micro-gold digital pass card platform is Qianbaobao, which is obviously a function of renting a license. For this reason, as of the press release in the morning, Mr. Kang did not respond. Bank: License cannot be rented, loaned, transferred Afterwards, the reporter went to the Business Management Department of the People's Bank of China for verification and found that “Beijing Qianbaobao Payment Technology Co., Ltd.†had passed the examination and approval and handled the “Payment Business Licenseâ€. The reporter learned that according to the "Administrative Measures for Payment Services of Non-financial Institutions", if the company provides payment services, it should first obtain the "Payment Business License" in accordance with the "Measures" and become a payment institution. At the same time, the payment institution may not transfer, lease or lend. Payment Business License. Lawyer: The current cooperation between the two parties is a lease relationship. This morning, Lang Yijing, a lawyer at Beijing Hesi Law Firm, said that Microgold does not have the qualification to carry out payment business. “Between the two companies, Weijin Datacom and Qianbaobao, whether it is cooperation or what, in legal significance. On the micro-gold number universal pocket bag treasure payment platform, and then somehow feedback the corresponding benefits to the pocket bag treasure, this behavior is the lease license relationship." "They are very embarrassed. In the contract, they only said that they are the agent sales card machine series products. They did not explicitly write the words "mobile payment", so they avoided the attention of the agents for the "payment of business licenses." The behavior of micro-gold data is suspected of fraud, and franchisees can make claims by resorting to legal means. At the same time, it should be noted that there are many fraud cases, and malicious bankruptcy has become a common practice for these scammers. If the company’s registered capital is much lower than the debt owed, once the company applies for bankruptcy, even through legal channels. It is difficult to compensate the victims’ money in a timely manner, and even become a legal case that pays “unable to execute†together. Mr. Lang reminded that in the face of emerging services based on the mobile Internet, franchisees should have a comprehensive understanding of the field in the early stage, and carefully review whether the franchisees have relevant qualifications. For the company's propaganda, there should be evidence and resolution. . Measuring Cups And Spoons,Measuring Container,Stainless Steel Egg Mixer,Measuring Spoon,Measuring Cups Jiangmen Xinhui Zhancha Metal Products Co,. Ltd. , https://www.zchardware.com
Because the false propaganda was investigated, the company changed its name and continued to sell products.
(Original title: no payment license to sell mobile phone POS machine investors pay huge deposits to do the agent found that the credit card transfer function often fails the company said the shared cooperative company payment platform)