If Alipay WeChat does not have real-name authentication, it will not be possible to transfer money and send red envelopes [Oxford cloth] from tomorrow onwards
The “Measures for the Management of Online Payment Business of Non-Bank Payment Institutions” will officially take effect tomorrow, and payment institutions will implement real-name management of customers. Now Alipay and WeChat have started related upgrade and transformation work. The more complete the real-name information is, the higher the account level will be, and the higher the settlement functions and limits allowed to be operated. If real-name registration is not carried out by then, Alipay and WeChat accounts will be restricted.
Certification
Fill in information online , the payment institution goes to verify
“Measures” stipulates that payment institutions should classify personal online payment accounts into three categories based on customer identity authentication , and stipulates the functions, limits and information authentication standards for various types of accounts.
The payment limit for Class I account balances is 1,000 yuan since the account was opened. Identity verification can be done non-face-to-face and through at least one external channel. After verifying the identity (such as checking the resident ID card information online), the account balance can be used for consumption and transfer. When opening a Type II (limit of 100,000/year) or Type III (limit of 200,000/year) payment account, if the identity cannot be verified face-to-face, the identity must be verified through at least three or five external channels, such as identity information authentication. , bank card authentication, phone number authentication, etc.
Additional identity authentication does not require customers to go to the relevant department to prove “I am me”, but requires the payment institution to prove “who you are” “. Customers only need to fill in relevant information online, and the payment institution will try their best to verify it.
Influence
Unreal names will Cannot collect money and send red envelopes
If Alipay does not have a real name, the account will not be able to receive transfers, rewards, red envelopes and other payments from others. You need to complete your identity information before you can receive payment. The balance payment function of the account will also be restricted, but the account or funds will not be frozen. Users only need to complete and further improve the identity verification information according to the page prompts given by Alipay to use the balance payment function of the account normally.
If the WeChat user does not have a real name, functions such as paying or collecting money through WeChat, and using change to send red envelopes may be restricted; in addition, WeChat Tencent services in the wallet (such as Didi Taxi, JD Shopping, etc.) may also be restricted. Restricted users can obtain higher permissions through real-name authentication. 【Tent Oxford cloth】
Limited amount
You can see the balance payment limit from tomorrow
The maximum limit is only 200,000 yuan. Does that mean that users who exceed 200,000 yuan will not be able to do so? paid? Alipay stated that this new regulation only affects the balance payment limit, and users’ payments through bank card quick payment, online banking, Ant Huabei and other methods will not be affected. Alipay is currently gradually displaying the account balance payment limit to all users. By July 1, all account balance pages will see the limit display. If the maximum “200,000/year” limit is not reached, you can supplement the information to increase the balance payment limit.
Cai Hongbo, secretary-general of the China Payment and Clearing Association, said, “Limits are like speed limits in traffic management and are routine safety management measures. . There is a positive correlation between the online transaction limit and the degree of real-name authentication and security of the account.”
How to perform real-name authentication?
Alipay: Log in to mobile Alipay, click [My]-[Avatar Bar]-[Account Details]-[Identity Information], Then follow the instructions on the page.
WeChat: Log in to WeChat – click [Me] – [Wallet] and follow the prompts to bind the bank card.
Will personal information be leaked after real-name authentication? No, it only passes the Ministry of Public Security and bank certification
Some consumers are afraid of personal important things after binding bank cards, entering ID cards, etc. Information was leaked, and the level of cooperation also affected the advancement of real-name authentication work. In fact, real-name authentication can better protect user account security.
The relevant person in charge of WeChat said that the certification is through the Ministry of Public Security, banks and other authoritative institutions to ensure the security of user information.
Will payment be safer after real-name authentication?
More secure, fraud will be difficult to achieve
“As long as you pass the real-name authentication, when someone transfers money to you, the other party can see the payee’s real-name information above the payment password input box, and you are not afraid of transferring the wrong money. At the same time,…After the user’s real-name authentication, payment must enter the payment password. Once abnormal transactions or fraudulent account theft are discovered, WeChat Pay will immediately intercept it and quickly locate the flow of funds through the user’s real-name information. “Ant Financial stated that it will be difficult to commit fraud after real-name verification.
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