iOS 金融借贷App借用资质账号上架后转移回自己的开发者账号

作者: IOS开发子 分类: iOS开发 发布时间: 2018-07-25 17:48

由于最近经常帮客户上金融App,需要将公司开发者帐号中的App 转移到 新的公司帐号中,特此记下流程,便于 其他iOS开发者 做App 转移。


iOS 借贷App借用资质账号上架后转移一个开发者账号下的APP产品转移到另一个开发者账号,在前面我已经说过金融,借贷,股票,贷款超市类型的App应用根据苹果App store新规定:金融理财类应用只能用对应公司名称的开发者账号上传。也就是说,如果用个人开发者账号提交金融理财类应用后收到了类似邮件,可以考虑用公司开发者账号提交;(鉴于您就是使用的开发者账号,所以可以不做考虑。)不管是更新或者新上包都一样,更新的一旦没有通过,就会被下架。

因为在前几个月的时候帮客户上架突然碰到大量问题!所以我就创了一个金融提审被拒交流群,在群里大多都是:PLA1.2或者5.2.1及3.2.1,当时我也试着用上架彩票马甲包的方法,但是还是碰到iOS 3.2.1 审核被拒的问题!听了个别不靠谱的技术(我就不点名了,什么跟苹果斗智斗勇的,大家就不要走我的老路,什么一直跟苹果多次反馈,谁试谁知道,马上把号弄死,就连你的包都会被订上,同样的包换账号上架一样死账号)邮件回复内容:
3. 2.1 Business: Other Business Model Issues – Acceptable
Guideline 3.2.1 – Business – Other Business Model Issues – Acceptable

We found that your app facilitates loan applications, but the seller and company names associated with your app do not reflect the financial institution in the app or its metadata, as required by Guideline 3.2.1(viii) of the App Store Review Guidelines.

Next Steps

To help us proceed with the review of your app, please provide the following information. The more information you can provide upfront, the sooner we can complete your review.

1. Both a copy and the direct link to the government website of your Business License that verifies the authorization from the Internet Loan Information Agency (营业执照,营业范围证明其是网络借贷信息中介结构).
2. Both a copy and the direct link to the government website of your Finance Permit issued from the local finance governing authority (金融许可证).
3. A copy of the Value Added Telecom Business Operation Permit issued by the local Ministry of Information Industry and Technology (从当地工信部获得的增值电信业务经营许可证).
4. Your app’s and service’s Terms & Conditions.
5. In the case of dispute, what resolution mechanism does your app and service offer?
6. What is your responsibility in such case? Is such responsibility stated clearly in the Terms & Conditions?
7. How will the involved parties trace one another?

Additionally, please ensure your app’s Support and Privacy URLs in the metadata direct users to the webpages with appropriate information.

Please attach documentary evidence in the App Review Information section in iTunes Connect. In accordance with section 3.2(f) of the Apple Developer Program License Agreement, you acknowledge that submitting falsified or fraudulent documentation can result in the termination of your Apple Developer Program account and the removal of your apps from the App Store. Once Legal has reviewed your documentation and confirms its validity, we will proceed with the review of your app.


?虽然已经隐藏贷款申请这个功能,审核的时候还是说需要提供相应的证明!相信做马甲包的技术百分之九十九都有这个问题。然后当时在群里跟一个开发者进行交流的时候,突发奇想,就是找别人购买资质的账号或者购买公司的资质进行注册开发者来使用,于是我这边拖朋友帮我找了个有资质的账号,花了好多的钱!
于是马上进行重新的提交,这次竟然没有被3.2.1,只是元数据的问题,我把元数据给改了以后苦等半个多月就通过了审核,所以给大家分享一下我的经验,希望能够帮助众多的开发者们还有公司。


处理的方案流程简单来说就是:找人购买资质账号或直接买下公司全套资质证件等信息→注册开发者或直接用现成的账号提审并附上资质扫描件→然后通过后在进行从金融资质的公司开发者账号下把App转回自己的开发者(已经试了三个都没有问题,没有被下架)

Guideline 3.2.1 – Business – Other Business Model Issues – AcceptableWe found that your app facilitates loan applications, but the seller and company names associated with your app do not reflect the financial institution in the app or its metadata, as required by Guideline 3.2.1(viii) of the App Store Review Guidelines.Next StepsTo help us proceed with the review of your app, please provide the following information. The more information you can provide upfront, the sooner we can complete your review.?

?1. Both a copy and the direct link to the government website of your Business License that verifies the authorization from the Internet Loan Information Agency (营业执照,营业范围证明其是网络借贷信息中介机构).?

2. Both a copy and the direct link to the government website of your Finance Permit issued from the local finance governing authority (金融许可证).?

3. A copy of the Value Added Telecom Business Operation Permit issued by the local Ministry of Information Industry and Technology (从当地工信部获得的增值电信业务经营许可证).4. Your app’s and service’s Terms & Conditions.5. In the case of dispute, what resolution mechanism does your app and service offer?6. What is your responsibility in such case? Is such responsibility stated clearly in the Terms & Conditions?7. How will the involved parties trace one another?8. License numbers for the Business License, Finance Permit, and Value Added Telecom Permit in the Review Notes section.Additionally, please ensure your app’s Support and Privacy URLs in the metadata direct users to the webpages with appropriate information.Please attach documentary evidence in the App Review Information section in iTunes Connect. In accordance with section 3.2(f) of the Apple Developer Program License Agreement, you acknowledge that submitting falsified or fraudulent documentation can result in the termination of your Apple Developer Program account and the removal of your apps from the App Store. Once Legal has reviewed your documentation and confirms its validity, we will proceed with the review of your app.

1.首先据我所知只有银行和保险类的 国家才给发金融许可证,网络小贷,p2p几乎是没有金融许可证的。
2.增值电信业务经营许可证 这个是可以办理的 如果这个证也没有的话就比较难了 几乎是被拒了。
我现在分析下市场我知道p2p或者理财审核过的有以下几种方案

(1).是真的有这些证书 那没得说是真牛逼
(2).比较保守就是去找乡镇银行去用 银行的名义申请开发者账号,然后发布app。这个是很靠谱不,不用考虑被查不下架,因为资质都有。这个唯一的缺点就是:就是主体账号的描述就跟之前的公司没关系,就得变更成现在的公司。这个对于小型公司的理财app来说可以接受,因为他们也有好多马甲包。但是对于大的公司来说,有可能涉及到协议、法律上的问题。所以看取舍了。
(3).不能不说哪有钱挣,哪里就有黄牛。现在的找三方带发app是真的很挣钱啊,发一次版就要5-10万的价钱。羡慕~… 一月发个20多个app就美哒哒了。流程是 原来账号A–转让给三方代发账号B。然后B给提交审核后,再转让回来。 (详细的流程我下面讲)缺点:苹果baba有复查的,很有可能你会被查到,那么结果就是app下架,目前还好 ,只是下架这个app,不会下架这个账号下的其他app,也不会封号。(不保证以后苹果baba查的严格了 要封号哦。)其实我感觉苹果审核这么严格是中国政府要求的。因为国家得控制金融的风险等。所有我们大家也得谅解谅解。
(4).还有部分,只是靠运气。看苹果审核组的心情,昨天有人告诉我,他什么也没改 就是重提了一版 就审核过了。(what~)你们也可以试试,如果过了 请告诉我一下
(5).这个办法可以的,找个合作的银行,签协议。然后用银行的金融许可证 等 也是可以过得。我们正在寻找合作的银行。但是这个对银行有什么风险,现在不知道。本人亲测使用过这个方案,现在也提供这样的服务。具体可以私聊我QQ:2205357007



现在我说下之前5月份转app的全过程
之前我也没转过,前几天我们重新申请了个账号。转的试了下。感觉还是很简单的。
1.首先主体账号下可以看见有 转让app的按钮

2.点击转让会到这个界面

3.在点击继续就会要求输入B账号的appID 和teamID

4.输入完之后点击继续

到现在为止 A账号就已经操作完了,然后回到A账号上面会有一条提示信息 可以手动取消转让
#######接下来 登录B账号 进行操作
1.登录B账号进入iTunes Connect内 会有下面的提示

2.点击图中的文字后就是进行review

点击review 上面的 request不用管
3.接下里就是填各种信息

记得下面的协议的 点对勾统一
填完信息 点done如果有填的不正确的地方会提示
如下图

4.完成后 在那个界面点击done按钮(当时是review)
如果
现在可以说B的操作也基本完成
估计有个1-5分钟 app就会从A账号变到B账号主体下了,还是很快的 原来以为还得苹果审核要1-2天 结果 2分钟就转过来了。而且再appstore上搜索到的app 描述的开发者 跟Seller已经变成B账号的了
现在是转完了,但是发现除了bundleID有 其他的证书都不能用了,如果要发新版 还得B账号去申请证书。
接下来就是用B账号 去申请 开发证书 发布证书 APNS证书。
关于APNS证书 我建议不着急改 等用新的B账号审核过后再改。
测试人员的手机设备还得再B账号重新添加 要不没法测试。
我的三方代发就是以上流程 等审核过后然后再转回去

咨询qq:2205357007

咨询邮箱:ioszhifu88@tom.com

个人博客:it9188.com

开发者交流群:791438996

skype:ioszhifu88

发表评论

电子邮件地址不会被公开。 必填项已用*标注

更多阅读