| 词条 | Wirecard | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 释义 |
| name = Wirecard AG | logo = Wirecard Logo.svg | type = Aktiengesellschaft | traded_as = {{FWB|WDI}} | foundation = 1999 | predecessor = InfoGenie AG (Until 6 April 2005) | location = Aschheim, Germany | area_served = Worldwide | key_people = Markus Braun (CEO) Wulf Matthias | industry = Financial services Payment processor Technology | genre = Financial | revenue = {{increase}} €1.49 billion (US$1.84 billion) | revenue_year = 2017[1] | net_income = {{decrease}} €259.719 million (US$320.688 million) | net_income_year = 2017[1] | assets = {{increase}} €4.528 billion (US$5.591 billion) | assets_year = 2017[1] | num_employees = 4,989 | num_employees_year = June 2018[4] | products = Electronic payment processing Banking Card issuance Mobile payment Risk management | homepage = www.wirecard.com }} Wirecard AG is a global internet technology and financial services provider which is listed on the German stock exchange (DAX) and is headquartered in Aschheim, district of Munich. The company offers its customers electronic payment transaction solutions and risk management, as well as the issuing and processing of physical and virtual cards. Wirecard Card Solutions Ltd. (WDCS) is a wholly owned subsidiary headquartered in Newcastle upon Tyne, with an e-money licence which allows it to issue virtual cards. It provides numerous mobile payment solutions, such as Orange Cash and Wirecard's own mobile payment solution boon. The subsidiary Wirecard Bank AG holds a German banking licence, in addition to licences from Visa and Mastercard. Moreover, it has contracts with American Express, Discover/Diners, JCB, Alipay, WeChat Pay,[2] Apple Pay and China UnionPay, among others. In March 2017, Wirecard acquired Citi Prepaid Card Services[3] and created Wirecard North America, introducing its internet technology, issuing and acquiring solutions and omnichannel payment solutions to the US market. Products and ServicesWirecard is an international supplier of electronic payment and risk management solutions. Wirecard offers products and services in the areas of mobile payments, e-commerce, digitization and finance technology. This traditionally comprises the integration of payment methods, payment transactions via e-commerce as well as payment transactions at the stationary checkout (POS). In these areas, Wirecard currently works in cooperation with 250,000 companies (as of June 2018),[4] including Allianz,[5] KLM, Qatar Airways,[6] Rakuten.com and Transport for London, among others. The transaction volume in 2017 was US$112.4 billion.[7] Mobile paymentsSince 2015, Wirecard offers consumers the fully digitalized,[8] mobile payment-app boon., which works independently of banks or network operators.[9] boon. is based on a virtual Mastercard and runs on mobile devices with the Android or iOS operating systems. The Android version is currently available in Germany, Austria, Belgium, the Netherlands, Spain and Ireland. In addition, boon. can be used via Apple Pay in France, Great Britain, Switzerland, Spain, Italy, Ireland[10] and Germany.[11] Google Pay supports boon. in France.[12] boon. offers contactless payments via smartphone and tablet through NFC[13] as well as online payments and peer-to-peer transactions.[14] In the mobile payments sector, Wirecard has negotiated several contracts with telecommunications providers for technical services with regard to mobile smartphone payments based on near-field communication (NFC). The payment processor offers its partners a mobile card reader as a white label programme for the acceptance of card payments via smartphones or tablets. eCommerceIn terms of acquiring,[15] one focus is travel and transport. Already in 2007, Wirecard took over payments and credit control for the tour operator TUI,[16][17] and in 2014 for KLM Royal Dutch Airlines.[18] The product Supplier and Commission Payments (SCP)[19] by Wirecard is also made to measure the travel sector. It is based on the automatic output of virtual credit cards and enables electronic payments to partners and suppliers, for instance for commission payments. In this way international payments can be made via electronic transmission of virtual credit card numbers. Since 2014, Wirecard has offered its Checkout Portal – a fully automated solution for easily connecting different payment methods in online shops, with a focus on SMEs and virtual marketplaces. Digitalization of the retail sectorWirecard also supports high-street retail with digitisation; an example of this is the collaborative project with T-Systems.[20] In 2016, together with the WMF Group, Wirecard developed a mobile app which connects store purchases with online sales.[21] Alternative Chinese payment methodsWirecard has been collaborating with Alipay since 2015, to offer Chinese tourists a familiar payment method during their travels in Europe. As part of this, Wirecard has integrated this alternative payment method into the till systems of retailers such as Printemps, The Body Shop and The National Bank of Greece.[22][23][24] The payment procedure has also been integrated with retailers at Munich Airport.[25] Since July 2017, Wirecard has partnered with Tencent to also offer WeChat Pay.[26] Finance technologyMany FinTech companies work with Wirecard, for instance, using their banking licence. Some well-known partnerships include: Curve, Funding Circle; start-up banks such as Atom[27] and Tandem; money apps including Revolut,[28] Monese and Pockit; spending management apps[29] such as Loot,[30] U Account and Soldo and business accounts like Tide.[31] mycard2go has been part of Wirecard Bank's portfolio since 2010. It is a prepaid card which can be purchased in stores and is ready to top up following online activation. Wirecard & Financial Times controversyOn January 30, 2019, Wirecard shares plunged after the Financial Times reported that a senior executive was suspected of “falsification of accounts” and “money laundering” in the company’s Asia-Pacific operations.[32] Wirecard issued a statement calling the report “false, inaccurate, misleading and defamatory.”[33] Wirecard also announced a lawsuit against the Financial Times for "unethical reporting" and a lawsuit for market manipulation.[34][35] The Public prosecutor's office Munich I in February 2019 launched criminal investigations against the Financial Times journalist Dan McCrum because of alleged violations of the German Securities Trading Act (Wertpapierhandelsgesetz, WpHG).[36] The German Federal Financial Supervisory Authority BaFin banned short selling Wirecard shares on 18. February 2019 until 18. April 2019. According to BaFin, the measure is not meant to take sides in the controversy between Wirecard & Financial Times. [37] Financial data
List of SubsidiariesWirecard is a global company founded in 1999, which operates across all continents worldwide since 2017. It entered the U.S. market in 2017 following completion of the takeover of Citi Prepaid Services.[39] Wirecard took over the Brazilian company MOIP in 2016.[40] The previous year, in 2015, it entered the Indian market with the acquisition of the Great Indian Retail Group's payment business. Wirecard has been strengthening its operations in the Asia-Pacific region, the Middle East and Africa since 2014.[41][42][42][43][29] See below a list of some Wirecard subsidiaries (not complete):
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2019|website=Reuters|archive-url=|archive-date=|dead-url=|access-date=13 February 2019}} 35. ^{{Cite web|url=https://www.finanzen.ch/nachrichten/aktien/wirecard-dementiert-ft-bericht-ueber-durchsuchung-und-reicht-anzeige-ein-aktie-faellt-erneut-1027936395|title=Wirecard dementiert FT-Bericht über Durchsuchung und reicht Anzeige ein - Aktie fällt erneut|last=|first=|date=8 February 2019|website=finanzen.ch|archive-url=|archive-date=|dead-url=|access-date=13 February 2019}} 36. ^[https://www.faz.net/aktuell/finanzen/wirecard-ermittlungen-gegen-financial-times-journalisten-16047237.html Fall Wirecard: Staatsanwaltschaft ermittelt gegen einen Financial-Times-Journalisten]. Frankfurter Allgemeine Zeitung, 18. Februar 2019. 37. ^{{Cite web|url=https://www.sueddeutsche.de/wirtschaft/wirecard-leerverkaeufe-bafin-1.4334890|title=Deutsche Aufsicht schützt Dax-Konzern vor Spekulanten |last=|first=|date=8 February 2019|website=sueddeutsche.de|archive-url=|archive-date=|dead-url=|access-date=18 February 2019}} 38. ^{{Cite web|url=https://www.wallstreet-online.de/aktien/wirecard-aktie/bilanz|title=Wirecard Bilanz, Gewinn und Umsatz {{!}} Wirecard Geschäftsbericht {{!}} 747206|website=wallstreet-online.de|access-date=2018-11-05}} 39. ^{{Cite web|url=http://www.bankingtech.com/764412/wirecard-completes-citi-prepaid-acquisition/|title=Wirecard completes Citi Prepaid acquisition » Banking Technology|website=www.bankingtech.com|access-date=2017-07-17}} 40. ^{{Cite news|url=https://www.reuters.com/article/us-moip-m-a-wirecard-idUSKCN0VV17J|title=Wirecard buys Brazilian online payments firm for 23.5 million euros|last=|first=|date=2016-02-22|work=Reuters|access-date=2017-07-17}} 41. ^{{Cite web|url=https://www.wirecard.com/newsroom/press-releases/newsdetail/wirecard-ag-announces-its-market-entry-into-north-america-by-the-acquisition-of-citi-prepaid-card-services/|title=Wirecard AG announces its market entry into North America by the acquisition of Citi Prepaid Card Services|website=www.wirecard.com|access-date=2017-07-17}} 42. ^1 {{Cite web|url=https://www.wirecard.com/newsroom/press-releases/newsdetail/wirecard-acquires-brazilian-online-payment-service-provider/|title=Wirecard acquires Brazilian online payment service provider|website=www.wirecard.com|access-date=2017-07-17}} 43. ^{{Cite web|url=https://www.wirecard.com/newsroom/press-releases/newsdetail/wirecard-acquires-payments-business-of-great-indian-gi-retail-group/|title=Wirecard acquires payments business of Great Indian (GI) Retail Group|website=www.wirecard.com|access-date=2017-07-17}} 6 : Companies established in 1999|Multinational companies|Multinational companies headquartered in Germany|Financial services companies of Germany|Online payments|Payment service providers |
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