One person and one sentence cheer for the graduate school entrance examination New routines, new routines, new routines, important things said three times!A new routine of the online car-hailing platform called "Wheat Field Business Travel" with the slogan of not only zero handling fee but also subsidies for swiping cards, with the help of the characteristics of user groups at both ends of the online car-hailing platform, that is, A-end car owners and B-end users. Cooperate with licensed payment institutions in payment business, cleverly and obscurely carry out secondary liquidation, and make the funds suspected of being cleared by the second clearing into a "capital disk" model.
As the saying goes, high yield means high risk, and greed for small and cheap will suffer big losses. You fancy other people's interest and handling fees, but others value your principal, and the consequences of a crash will be immeasurable. The following payment ** desk will make a specific analysis of the whole thing, so as not to be deceived by everyone, lest everyone go astray!
1. Analyze the entire business operation logic
Recharge section:Register and log in to the owner's app and user's app with the same mobile phone number, publish the itinerary on the user's side, and then publish the same itinerary and take orders on the owner's side, and then use the user's side to complete the payment.
Profit Section:Users will get 05%-1% subsidy, that is, a subsidy of 50-100 yuan per 10,000 yuan.
Withdrawal section:The corresponding amount and subsidy amount after the user's recharge is completed will be reflected in the wallet of the Driver's App, and the withdrawal T+7 will be credited to the account.
Schematic:The user terminal and the app of the car owner app with the same mobile phone number log in to the online car-hailing platform publish the itinerary The user side also publishes the same itinerary and receives the order, the user side completes the fee payment, and the wallet of the car owner receives the corresponding turnover and corresponding subsidy Withdrawal (T+7).
2. The online ride-hailing platform is suspected of illegally engaging in payment business
According to the above business logic, in the entire payment process, the online car-hailing platform is suspected of the "two clearance" model of large merchants. In a nutshell:Through the acquiring service provided by the licensed payment institution, the online car-hailing platform will pay all the users' money to the online car-hailing company's own payment account in the payment institution, and the payment institution will settle the payment to the designated account of the online car-hailing platform according to the payment service agreement, and the online car-hailing platform will settle to each user separately, so as to complete the entire payment business.
Schematic:All users recharge or pay fees for the payment account of the ride-hailing platform, the payment company settles to the designated account of the ride-hailing platform, and the ride-hailing platform then settles to the user.
According to the Measures for the Administration of Payment Services for Non-Financial Institutions, Article 3 stipulates that without the approval of the People's Bank of China, no non-financial institution or individual may engage in payment business or engage in disguised payment. The main company of "Maitian Business Travel", Maitian Business Travel (Shandong) Network Technology***, has not obtained the payment business license approved and issued by the central bank, and is illegally engaged in payment business.
ThreeThe online car-hailing platform is suspected of engaging in business such as "capital trading" and "cashing out".
1. What is a "capital disk"?It refers to the use of the principle of direct sales multiplication, in the form of rolling or static capital circulation, tearing down the east wall to make up the west wall, and using the money of the later members to pay the previous members, which is essentially a pyramid pyramid scheme fraud. It is extremely hidden, deceptive and socially harmful.
05%-0.1% subsidy is as follows: 06% to calculate, 365 7*06=31.29%, the annual profit reached 3129%, recharge 100,000 yuan, and have an income of more than 31,000 a year, which is comparable to the interest of loan sharks. And the above is just the cost of one itemPlus the payment channel service fee, which is usually 06% and a series of expenses such as company premises, property fees, employee expenses, office equipment, servers, business, taxation and so onIn addition, it is necessary to add multi-level expenses to promote the promotion of attracting peopleThe combined cost is unimaginable.
So here's the problem!Could it be that this company isCharitiesNot to make money, but to everyoneSending money?In the face of such high operating costs, how do you think you have survived, the answer is self-evident!
2. Suspected of "cashing out" and other businessesUsers publish itineraries virtually and take orders and pay for them themselves, and the platform supports credit card payments, and according to the relevant materials we have collected, most of them are also paid by credit cards. Rescue the behavior of TX through virtual trading.
The daily turnover of drivers is as high as tens of thousands or even hundreds of thousands, and you can figure it out with your toes, which is obviously inconsistent with reality. The user is both a passenger and a driver, and he places his own orders and picks them up. 7 days before funds can be withdrawn, of which the card is not only 0 handling fee, but also the amount skyrockets after 7 days, how can there be so many good things!In addition, there are multiple levels of profit in promoting and pulling people. How much money do you say it can subsidize?Ponder for yourself whether he is reliable or not
CCTV once reported such incidents last year, and the final result was that the driver's account was frozen, and the operating platform was hollowed out. At the same timeFinally, I would like to remind you again:It is illegal to cash out, and it is also illegal to swipe ordersDon't let the small be the big one.