According to users, after downloading the "Mangman Installment" loan app in a loan supermarket, after filling in the identity information and bank card, the VIP membership fee of 298 yuan was forcibly deducted. The user said that he originally wanted to borrow money, but he didn't expect to be deducted, and now he can't log in to the app, let alone borrow money.
Original title The moment you want to borrow money has fallen into a trap: the loan APP Mangman installment joint payment company, "withdraw money" from your bank card without secret
Production｜WEMONEY Research Office (ID: wemoney1)
Text | Lin Xiaolin
The routine is always the same, the only difference is the shell.
In December 2019, CCTV News reported an online loan fraud.
At that time, the Shanghai Songjiang police received multiple reports. The victim claimed that after downloading a loan app, after clicking the download, the app was deleted if the loan was not available, but then 199 yuan was deducted from the associated bank card for information evaluation fees. . According to the police, these apps actually use information to assess the cost of borrowers through the vests of loan assistance, and they cannot borrow.
After 8 months, a similar situation appeared on the market again, but the original "information evaluation fee" has been transformed into a "VIP member". According to the user’s report to the WEMONEY research office, the "Mangman installment" loan app was downloaded in a loan supermarket, and after filling in the identity information and bank card, the VIP membership fee of 298 yuan was forcibly deducted. The user said that he originally wanted to borrow money, but he didn't expect to be deducted, and now he can't log in to the app, let alone borrow money.
Based on user feedback, the WEMONEY research office tested this app and found that it is far more than just the vest app. The company behind it is confusing, and it also involves non-compliant behaviors in loan supermarkets and third-party payments. Users are faced with intricacies. And the "trap" is not easy to detect.
The company behind Mangman's staging is confusing
"Leather Bag" company established less than a year ago
On July 27, Ms. Li downloaded the loan app "Mangmang Installment" from the loan supermarket "Lehua Installment". After the registration was completed, she received a SMS notification that Junfeng Technology had deducted 298 yuan in VIP membership fees from the associated bank card. Ms. Li contacted the customer service according to the phone on the APP, and the customer service indicated that she would upload a screenshot of the consumption to apply for a refund. But Ms. Li said that she couldn't contact customer service or log in to the app, and the issue of deductions could not be resolved.
Under the guidance of Ms. Li, the WEMONEY Research Office downloaded the Mangmang staging and found that it would automatically read 7 permissions of the mobile phone, including SD card information, location, etc. After registration, the agreement did not mention which company was operating.
After clicking Borrow Now, enter the identity authentication interface in the figure below. The WEMONEY laboratory noticed that there is indeed a "VIP Membership Agreement". After clicking, a blank page in Figure 3 appears. After testing on multiple Apple and Android phones, the page is blank.
(Picture 1, Picture 2, Picture 3)
This shows that the user cannot see the content of the agreement at all. Once he fills in his identity information and bank card, and enters the SMS verification code, it is equivalent to giving Mangman installment a privilege, which can be deducted from the user's bank card.
An industry insider said that users often think that the SMS verification code is to verify the authenticity of their bank card, but actually authorizes the software to authorize the small amount of their bank card to be secret-free. Generally speaking, the platform will have a license agreement to avoid and escape legal liabilities.
Unlike the CCTV exposure, Mangmang does not even have such an agreement to "decorate the appearance".
What company is behind Mangman's staging?
The complaint from Black Cat confirmed that the company that handled the "Mangman installment" business was not "Junfeng Technology" but "Yari Business", the full name of Yancheng Yarui Advertising Co., Ltd. Sky Eye Check shows that this company was registered in November 2019.
However, the deduction screenshots shown by Ms. Li and other users show the shortcut-Jufu package. An executive of a payment company said that generally the former represents a third-party payment company, while the latter is the name of the merchant, which means that the merchant who withholds the payment is Jufubao.
According to Tianyan Check, the Jufubao operating company is Yancheng Xiaomiaomi Network Equipment Co., Ltd., established in January 2020. Yancheng Yarui Advertising Co., Ltd. and Yancheng Xiaomiaomi Network Equipment Co., Ltd. are both leather bag companies established in Yancheng for less than a year.
There are many loan shark apps in the loan supermarket
The company was filed by the police
The WEMONEY research laboratory found that the problematic APP in the Lehua installment loan supermarket is not only Mangman installment, but also has a "routine" behind it.
As shown on the left side of the above figure, there are more than 20 kinds of loan apps in Lehua Installment Loan, most of which are "problem apps." These apps can be roughly divided into three categories. The first category is illegal platforms such as the 714 and 55 anti-aircraft guns shown in the above figure; the second category collects user membership fees such as Mangman installment; the third category is Russian dolls, which are constantly downloaded However, the APP cannot borrow money and mainly collects the user's mobile phone number and information.
Most of these apps have received complaints from users on the third-party complaint platform, and Daidai will update the lending APP every day. Among them, Mangman is a new product in installments, but it ranks among the top three in downloads.
The WEMONEY research room browsed the agreements on the above twenty kinds of APPs and found that some did not show the real operating company, and some, like the Mangman installment company, were behind a new company established less than one year ago, and did not have any lending qualifications and no information. Show cooperation with financial institutions.
Up to now, Lehua installment ranks 52 among similar software in the Apple Store, and even ranks ahead of well-known apps such as 360 Wallet and Foreign Money Bank. It has been downloaded more than 20,000 times, which shows its large number of users. Why does Lehua installment cooperate with so many non-compliant or even illegal merchants to harvest borrowers?
The Lehua Instalment Loan Agreement shows that it is operated by Lehua Instalment Co., Ltd., but a search by the WEMONEY Research Office found that there is no such company on the website of the National Industrial and Commercial Information Center.
The WEMONEY research room found out that the real company behind it was Zhejiang Qianbao Network Technology Co., Ltd. (hereinafter referred to as "Qianbao Technology") through the information prompted by Lehua installment registration in the Apple Store. Qianbao Technology used to operate the P2P platform Qianshidai Jinfu (which is consistent with its introduction in the Apple Store). Qianshidai Jinfu announced its benign exit in July 2018. In July of the following year, it was filed by the Hangzhou police for illegal deposits.
After Qianbao Technology withdrew from P2P, it launched Loan Chao Lehua installment. But no matter what kind of business it is, Qianbao Technology seems to have been on the verge of illegality, changing routines to harvest users. The latest information shows that in May 2020, Qianbao Technology was listed as the person who was untrustworthy.
QuickPass provides payment channels for loan shark apps
Worked with Shanghai Art Craft, which has received a lot of complaints
In the screenshot provided by the customer, the payment channel for Mangman installment is QuickPass.
According to Tianyan Check, QuickPass is a third-party payment company under Haier Group Qingdao Financial Holdings Co., Ltd. (hereinafter referred to as "Haier Financial Holdings").
On the Black Cat complaint, the user stated that QuickPass provides payment channels for merchants such as Mangman Installment and Jinbao Mall, and membership fees are removed without secret. Judging from the complaint information, FastTong has worked with many non-compliant merchants.
From the complaint information, the WEMONEY research office also found that FastTone has contacts with Shanghai Zaoyi Network Technology Co., Ltd. (hereinafter referred to as "Shanghai Zaoyi"), and the proportion of complaints is not large.
Shanghai Zaoyi is one of the companies with the largest number of complaints on many complaint platforms. The incident of reaping borrowers with "information evaluation fees" mentioned at the beginning of the article can be described as the "originator" of this aspect. The WEMONEY research office has repeatedly reported that it uses this method to routine borrowers.
The above-mentioned payment industry executives said that the business volume of QuickPass is not large, and it is a pure online business. In the past two years, the payment industry has suffered serious setbacks in the supervision and rectification of cash loans. Some payment institutions will cooperate with some non-compliant merchants in order to survive, but it is not yet possible to determine whether QuickPass has any interest entanglements with merchants. Moreover, in accordance with relevant laws and regulations, third-party payment companies need to strictly review cooperative merchants. Judging from the large number of complaints from customers, QuickPass has not fulfilled its review duties.
According to the business introduction on the official website of ExpressTong, it mainly undertakes related services for Haier and Haier Financial Holdings' multiple companies and platforms.
However, FastTone has been fined by the Central Bank for violating business management regulations and harming the legitimate rights and interests of customers. In recent years, it has repeatedly reported that it will "sell one's body". According to media reports, its transaction price may be between 500 million and 800 million yuan. From the current point of view, its business prospects in the field of payment are average.
In response to the above-mentioned questions, the WEMONEY research office sent a letter to Quick Link to inquire, but as of the time of publication, no reply was received.