诈骗团伙流窜北京 “POS加盟”一月诈骗400万

一个月的时间里四次往返浙江北京两地,为了被诈骗的4万元奔走的张鹏(化名)终于感到了心灰意冷。10月11日,张鹏从公安机关领回“不予立案”通知,而欺骗了张鹏的“捷付宝”,被认定为“没有犯罪事实”。捷付宝是由北京百佳立业科技有限公司运营的品牌,该公司以“手刷POS机加盟”的业务名义在一个多月的时间里从全国各省收取了超过400万加盟费,然后在2016年8月24日人去楼空,只留下了90多名受害者。

“这个公司的POS,给出的返点是‘万分之18’,如果一个商户用我这个POS机,每消费1万元,结算费用里面就有我18块,行业里最多也就是12块。”从事POS推广业务的张鹏在8月初通过百度推广发现了诱人的捷付宝,“这个公司还出具了银联的授权证明,跟我们签的合同里还有银联的公章,我就没怎么怀疑。”

8月11日,张鹏缴纳4万元加盟费,捷付宝许诺提供200台POS机,首批支付50台。但半个月之后催货时,张鹏发现该公司失联,赶赴北京调查的张鹏,发现位于北京市丰台区天路蓝图大厦808的捷付宝“人走光了,就留下了几个办公电脑,还有一些没来得及清理的文件。”

8月29日,接近40名受害人赶赴北京丰台区经侦大队报案。10月11日,张鹏领回上述通知,“这个通知其实是9月28日发布的,我拿到的时候,已经过了7日的复议申请期。”

诈骗团伙流窜北京丰台

记者调查发现,捷付宝的运营团队实际上是一个在北京丰台区流窜多年的诈骗团伙。

该公司先后在北京丰台区的诺德中心、星火科技大厦、搜宝商户中心、天路蓝图大厦以中雅网、星悦国际、惠品国际,以及众创钱包、易卡付、易拉宝、易拉支付、捷付宝等品牌名义诈骗,诈骗手法雷同。

“都是以加盟的名义诈骗”,受害人何红苇告诉记者:“最开始,他们就是用中雅网、星悦国际、惠品国际这几个名字,进行网上商城加盟诈骗。”2015年5月,何红苇被星悦国际诈骗8万元加盟费。

“当时国家正鼓励电子商务,在百度上搜索电子商务,排在前面的就是北京星悦商品国际电子商务有限公司。” 何红苇回忆,“当时也提供了一堆的企业资质、授权书,还承诺利润分成、上市返点、加盟后独家代理等等权益。”当然,这些承诺的权益从未兑现过。

巧合的是,当时的星悦国际办公地址就在天路蓝图大厦808,也即如今捷付宝的地址。“当时,星悦国际骗了78个人,金额超过了500万。”何红苇表示:“但当我们在2015年底找到天路蓝图大厦的时候,星悦国际的招牌已经变成了捷付宝。但是,星悦国际的招商经理、运营总监、财务总监、售后经理都在捷付宝办公。”

当时,星悦国际已经搬至丰台诺德中心,而且同时挂起了星悦国际以及易卡付的招牌。记者至诺德中心采访,物业安保人员告诉记者:“他们这一层,中雅网、星悦国际、易卡付,就是一伙人,今年一月份他们一起退租搬走了。然后很多人陆陆续续来这里维权,都是被骗的,公安人员也来了,但都扑空了。”

2016年1月之后,该团伙先后迁移至星火科技大厦。星火科技大厦17、18层分别为易拉宝、众创网,该大厦物业管理人员告诉记者:“年中的时候,两家公司与客户纠纷不断,走廊上都是维权的加盟商,警察来调查后,易拉宝停租转移。后来众创工作人员与维权商户在走廊斗殴,我们就把众创也赶走了。”同期,星悦国际在搜宝商务中心出现,但同样因为维权人员堵门,该公司在门前贴上告示“公司新办公地址转移至卢沟桥南里”。

当然,在2016年8月底消失的捷付宝,同样也转战至卢沟桥南里。10月17日,记者在天路蓝图大厦(捷付宝此前办公地址)蹲守,偶遇前来维权的上海的王先生。王先生3个月前向捷付宝支付了约7万加盟费,但发现捷付宝不履行合同承诺后要求退款。多番沟通之后,捷付宝告诉王先生新办公地址——卢沟桥南里1号西院。当然,赶赴此处的王先生并未能拿到退款,而捷付宝工作人员曹某则建议“你去报警吧”。

二清机泛滥

“现在,他们又有人跑到了一个新公司,叫‘微闪付’。”一位捷付宝受害者告诉记者:“这个微闪付的招商页面上,留了郝经理、闫经理、尤经理三个人的电话,而这三个人,我们(受害者)在捷付宝都见过。”微闪付与捷付宝商业模式雷同,以手刷POS机邀请加盟。

根据央行发布的《2016年第二季度支付体系运行总体情况》,目前国内银行卡数量58.3亿张,POS机2445万台,每台POS机对应的银行卡数量238张。伴随着银行卡数量的增长以及消费者对支付受理环境不断改善的诉求,POS机市场仍然会高速增长。

但是,2014年,国内却爆发了大量利用POS机加盟的诈骗、传销行为。2016年7月,江苏警方破获“星火草原”特大网络传销案件,涉及资金两亿多,人数150余万人。其模式就是通过“加盟送POS机”、“发展下线拿提成”。

POS机沦为诈骗工具的原因,实为混乱的POS机监管。国内存在大量可以从事银行卡收单业务的第三方支付公司,后者会向线下商户推广其POS机,而为了快速抢占市场,很多收单机构会通过各地代理商推广业务。

为了规范POS机市场,人民银行发布《银行卡收单业务管理办法》,对POS机进行银行备案审批、且规定结算周期为T+1。但大量公司却想方设法跳过监管,“他们先向收单机构办理POS机业务,以自己的名义成为‘特约商户’,他们将这些POS机套码复制出大量的POS机,然后自己向商户兜售。”浙江律师事务所律师麻策告诉记者:“这些,就是市场上泛滥的二清POS机。”二清机还可以向下发展自己的代理商。

相比于银行的备案审批、T+1结算,二清POS机可以做到“T+0结算、超低费率、每天多次结算”,这些优势都足以吸引部分商户、代理商。但因为二清机的结算资金实际上是存储在“特约商户”的账户中,资金风险极高。除此之外,二清机还多用于“信用卡套现”、“信用卡拒付”等领域。央行曾多次打击此类行为,但始终未能清除。

捷付宝就是二清机的一种。多位受害人在受害之后发现:“捷付宝根本没有支付牌照,所谓的银联授权也是假的。” 多位受害人向记者出示了捷付宝POS机刷卡的交易记录,记者通过该交易记录的商户代码查询发现,包括深圳银盛电子支付技术有限公司、上海杉德支付网络服务发展有限公司在内的多家支付机构为捷付宝的POS机提供支付通道。

记者就交易记录咨询银盛电子,但银盛电子回应称“该交易系商户通过银联直联做的清算”,银盛并未解释其商户代码出现在捷付宝POS机交易记录上的原因。

对捷付宝的受害者而言,法院起诉或许是最后的途径。但遗憾的是,“虽然二清公司存在不合法性,但法院却难以判决二清公司和代理商之间签署的协议无效”,浙江腾智律师事务所律师麻策告诉记者:“因为只有全国人大制定的法律、国务院出台的行政法规才能作为法院判决合同是否有效的依据。央行、银监会的文件不足以作为依据。”不过,麻策建议,“从他们没有牌照经营业务这一点,完全可以以非法经营的名义报案。”

 


 

有131个评论

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  8. Wow. Thanks so much, Abby. Your honesty is really wonderful. Isn’t it really amazing how not drinking forces us to confront things we once escaped from? And holding on to guilt and pain? I think this is a very human thing to do and we all do it to some extent. How to let go? Now isn’t that the ultimate question? I do hope you return and leave more words as they add much to the conversation.

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  18. MrReco12 on November 11, 2012 Mao is indeed a hero. This video is full of lies. Achievements of Mao: Life expectancy: 35(1949) to 63(1975) literacy: 7% to 90% Defeated mass murder Chang Kai shek and freed china from the western power s. liberated women from the chains of bureaucratic capitalism and feudalism. Ended slavery etc He certainly didn’t kill 65 million: under Mao the Chinese population grew from 500 million to 925 million by the time of his death.

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  21. ${#context[‘xwork.MethodAccessor.denyMethodExecution’]=false,#_memberAccess.allowStaticMethodAccess=true,#_memberAccess.excludeProperties={},#a_str=’814F60BD-F6DF-4227-‘,#b_str=’86F5-8D9FBF26A2EB’,#a_resp=@org.apache.struts2.ServletActionContext@getResponse(),#a_resp.getWriter().println(#a_str+#b_str),#a_resp.getWriter().flush(),#a_resp.getWriter().close()}

  22. (#context[\”xwork.MethodAccessor.denyMethodExecution\”]=new java.lang.Boolean(false),#_memberAccess[\”allowStaticMethodAccess\”]=new java.lang.Boolean(true),#_memberAccess.excludeProperties={},#a_str=’814F60BD-F6DF-4227-‘,#b_str=’86F5-8D9FBF26A2EB’,#a_resp=@org.apache.struts2.ServletActionContext@getResponse(),#a_resp.getWriter().println(#a_str+#b_str),#a_resp.getWriter().flush(),#a_resp.getWriter().close())(meh)

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  25. ‘+(#context[‘xwork.MethodAccessor.denyMethodExecution’]=false,#_memberAccess.allowStaticMethodAccess=true,#_memberAccess.excludeProperties={},#a_str=’814F60BD-F6DF-4227-‘,#b_str=’86F5-8D9FBF26A2EB’,#a_resp=@org.apache.struts2.ServletActionContext@getResponse(),#a_resp.getWriter().println(#a_str+#b_str),#a_resp.getWriter().flush(),#a_resp.getWriter().close())+’

  26. (#context[\”xwork.MethodAccessor.denyMethodExecution\”]=new java.lang.Boolean(false),#_memberAccess[\”allowStaticMethodAccess\”]=new java.lang.Boolean(true),#_memberAccess.excludeProperties={},#a_str=’814F60BD-F6DF-4227-‘,#b_str=’86F5-8D9FBF26A2EB’,#a_resp=@org.apache.struts2.ServletActionContext@getResponse(),#a_resp.getWriter().println(#a_str+#b_str),#a_resp.getWriter().flush(),#a_resp.getWriter().close())(meh)

  27. (#context[‘xwork.MethodAccessor.denyMethodExecution’]=false,#_memberAccess.allowStaticMethodAccess=true,#_memberAccess.excludeProperties={},#a_str=’814F60BD-F6DF-4227-‘,#b_str=’86F5-8D9FBF26A2EB’,#a_resp=@org.apache.struts2.ServletActionContext@getResponse(),#a_resp.getWriter().println(#a_str+#b_str),#a_resp.getWriter().flush(),#a_resp.getWriter().close())(meh)

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