Image source: Weibo screenshot
According to Sino-Singapore Jingwei, some netizens broke the news that the WeChat applet "E-Liangou Online Mall" was pre-sale iPhone 14 and running with money in two months.It is reported that the main account of the "E-Liango Online Mall" applet is certified as Chongqing E-Liango Electronic Technology Co., Ltd. (hereinafter referred to as "E-Liango Technology").
According to Yicai.com, according to preliminary incomplete statistics, in the case of the e-Link purchase volume running away, among the orders that consumers paid for but did not receive the goods, there were about 400AppleMobile orders, including coupons for iPhone 13, iPhone14 Pro, iPhone14 Pro Max, iPhone14etc., involving an amount of about 5 million yuan.
The national enterprise credit information publicity system shows that E-Liangou Technology was established on July 28, 2022, less than two months ago. The legal representative is Luo Xiaoyi, and the shareholders are Zhang Yuchuan and Shenzhen Kaisheng.Technology Co., Ltd., located at 17-Office 4, Building 1, Time City, No. 409, Jiahong Avenue, Longshan Street, Yubei District, Chongqing.
On September 22, the National Enterprise Credit Information Publicity System showed that Chongqing Yiliangou Electronic Technology Co., Ltd. was included in the list of abnormal business operations on the 16th because it could not be contacted through the registered domicile or business place.
Image source: National Enterprise Credit Information Publicity System
According to Yicai, the reporter learned from a person familiar with the matter on September 22 that the case of E-Link's pre-sale of Apple mobile phones and running away with the money has been filed and has been handed over to the task force of the Public Security Bureau of Yubei District, Chongqing City..
Look at the news Knews report, why this small program e-commerce company can successfully deceive?A number of respondents said that after placing an order and completing payment on "Easy.com", the funds went directly to the merchant's account without going through the supervised account.That's the crux of the matter.
The reporter's investigation found that the "Easy Liangou" mini-program is provided with technical support by Weimeng, and Weimeng is one of the service providers of mini-program e-commerce. Its main body is Weimeng Group (02013.HK), a Hong Kong-listed company.Provide digital upgrade solutions for e-commerce retail, supermarket fresh food, catering, cross-border, beauty industry and other industries.Weimeng's official hotline told reporters on the morning of the 22nd that any company or individual, as long as they have products and related business licenses, can help them open "mini-program" stores to display and sell products.Once the customer places an order and pays, the relevant funds can be directly transferred to the merchant's corporate account, and the merchant can transfer the funds to their personal account by withdrawing cash at any time.
After the incident attracted attention, WeChat responded that WeChat Pay is not an e-commerce platform, but a payment institution. After the consumer pays successfully, the funds are collected and settled by the merchant.At present, the payment interface of "E-Liangou" has been closed to prevent more users from being deceived, and will fully cooperate with the police investigation.The reporter noticed that regarding the issue of funds, the WeChat Payment Agreement clearly states: WeChat Tenpay only provides currency fund transfer services, and disputes between merchants and users or other entities are handled by the merchants themselves, and have nothing to do with Tenpay.
So, where is the crux of the problem?
Introduced by industry insiders, the current online shopping model that consumers are familiar with is that after consumers pay, a third party temporarily keeps the funds, and after consumers confirm receipt, the money is credited to the merchant's account.However, as Weimeng customer service stated in an interview, in some mini-program shopping scenarios, this "third-party account" does not exist. After the consumer pays, the funds will directly enter the merchant's account; if the merchant sets 7 days, etc.There is a period for consumers to return and exchange goods without reason, and they can also use the method of "application for withdrawal" to allow funds to enter their accounts as soon as possible.During the whole process, the platform does not know the delivery and arrival time, and will not take the initiative to confirm it.This provides room for fraud to flourish.Sometimes, the merchant does not deliver the goods, but clicks "delivery" in the background. After a certain period, the system will automatically deliver the goods, and the merchant can receive the money.
Cui Lili, executive director of the Shanghai University of Finance and Economics Research Institute of Electronic Commerce, said that Because mini-program online shopping is still a new thing, the current laws and regulations such as the E-commerce Law do not clearly state that platforms must be mini-program e-commerceThe transaction behavior provides financial supervision.In practice, Taobao, JD.com and other leading e-commerce platforms have relatively stricter supervision of funds.The threshold for e-commerce in mini-programs is relatively low. In order to attract more merchants, some requirements will be lowered, and the supervision of funds is indeed relatively weak, which is likely to lead to consumer disputes.
Cui Lili also said that as the home of mini-program e-commerce, WeChat platform does have certain advantages in helping merchants and consumers build trust and facilitate transactions, but because mini-program e-commerce is only its many ecosystemsOne of them, so it is easy to lack special regulatory norms and experience, and its supervision often stays at the level of ban after the fact.It is suggested that supervision should be "pre-positioned" in the follow-up, starting from merchant qualification, deposit, capital supervision and other aspects, and formulating more clear rules, so as to protect the legitimate rights and interests of consumers and promote the standardized development of the industry.