最近做苹果金融类上架的一些总结小计，随着5 6月份最近的一次苹果审核规则的变化，最近很多上包小伙伴获得了各种调查的结果，苦苦等待的结果也是14天封号，不能再上新的app.
现在金融环境已经等得一定的整治,iOS金融类产品上包遇到各种资质问题,我写这篇文章主要针对金融类的,p2p理财,贷款,贷超,银行保险类,如何以最快的时间通过审核.本人作为公司上包业务负责人,上线了上百个上包业务,各种棘手问题在此罗列分享.
下面列下本人最近上架账号主体：
先来看下审核被拒的情况:
We are unable to approve your app, because we no longer allow peer-to-peer (P2P) loan or small loan (小额贷) apps on the App Store.
In accordance with the Apple Developer Program License Agreement, you agree that Apple, at its sole discretion, may reject your app for distribution on the App Store for any reason.
While you can no longer distribute loan apps from this account, you may continue to submit and distribute other types of apps to the App Store.
或者
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 (营业执照)
2. A copy of the Rectification Notification issued by the relevant governing authority to your company (当地金融办 (局) 下发给贵公司的「整改通知书」附件)
3. A copy of the proof that your company is connected to a bank’s depository system (银行存管证明)
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 App Store 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.
准备工作:
开发者账号只有一种可以一次性过，那就是银行账号，我的账号里列表bank 主体， 需要金融许可证，营业执照。
更多的是公司的营业执照的经营范围具符合相对应的资质,p2p需要p2p资质,贷款需要贷款资质.相对应的保险需要保险资质.随着p2p备案的合规化进行,由原来的金融资质变成了 整改通知书 存管证明 营业执照三件套,只要这些资质都符合,上线只是时间问题.
有资质的怎么上呢,可以看这个https://www.jianshu.com/p/e87d8e87d240?from=singlemessage
现在有资质的可能第一次提交也是被一刀切反馈3.2.1,你需要在未解决中心回复,提供你的资质文件,然后就是耐心的等待,一般4-5天左右就能过审
开发者中心最底下有一个contact us, 加急方式从这里进入, 进入的页面需要选择, 选项从上到下分别是, App Review -> App StoreReview -> Request Expedited Review, 接下来页面中会出现一个蓝色的选项: Request an Expedited App Review, 点击进入即可, 或者你直接输入这个网址是一样的:https://developer.apple.com/contact/app-store/?topic=expedite
接下来我们就进入到加急审核的界面了, 正常填写你的信息即可, 可选项可不填, 最重要的是下面这两项
Select a reason, 这要分两种:
第一种:如果你的app是第一次提交审核, 那么只能选择Time-Sensitive Event, Explanation(解释)这个就需要写严重点才行, 给你们一个模板: (这个app我们花了大量的人力成本, 时间成本来进行开发, 所有的人员都在等待着app上线, 晚上先一天将对我们造成不可估量的损失, 希望贵公司能加速审核我们的app, 万分感谢!) 可以根据你们自己的文采适当发挥
第二种:如果你的app是更新, 那么这个就更简单了, 选Critical Bug Fix, Explanation(解释)写上修复了某某闪退的问题, 这个可以瞎填, 最好加上修复闪退这两个字, 或者写上app放款有bug, 造成了公司上百万的损失, 记得一定要写严重的, 如果每次更新你都想加急的话, 加急原因切记不要重复
没有资质的怎么过审呢:现在appstore上都能查到各种没资质的账号上线,一种是找渠道,有资质的代上后然后转包,大部分的你会看到工具类这两个字眼,工具类的套壳上线.
工具类的壳主要找主流的定制,在审核期间显示工具类界面,审核通过后显示你们的金融界面.
没有资质想找渠道上架的过审方法:
找到靠谱的渠道,靠谱的渠道都是签订合同的,不是那种能过就过的那种.
如果是新上金融类包,可以叫渠道方提供资料,后台配置你们的公司信息,包括隐私条款,注册协议,技术支持,修改为渠道商的公司主体,然后渠道商配置证书等打包ipa给渠道上包
如果不是,则要做混淆处理,防止4.3的出现,混淆的方法可以网上找
https://www.jianshu.com/p/29507a331ff2
问题2:8.5号
Guideline 2.5.2 - Performance - Software Requirements
Your app, extension, or linked framework appears to contain code designed explicitly with the capability to change your app’s behavior or functionality after App Review approval, which is not in compliance with App Store Review Guideline 2.5.2 and section 3.3.2 of the Apple Developer Program License Agreement.
This code, combined with a remote resource, can facilitate significant changes to your app’s behavior compared to when it was initially reviewed for the App Store. While you may not be using this functionality currently, it has the potential to load private frameworks, private methods, and enable future feature changes. This includes any code which passes arbitrary parameters to dynamic methods such as dlopen(), dlsym(), respondsToSelector:, performSelector:, method_exchangeImplementations(), and running remote scripts in order to change app behavior and/or call SPI, based on the contents of the downloaded script. Even if the remote resource is not intentionally malicious, it could easily be hijacked via a Man In The Middle (MiTM) attack, which can pose a serious security vulnerability to users of your app.
The next submission of this app may require a longer review time, and this app will not be eligible for an expedited review until this issue is resolved.
Next Steps
- Review the Software Requirements section of the App Store Review Guidelines.
- Ensure your app is compliant with all sections of the App Store Review Guidelines and the Terms & Conditions of the Apple Developer Program.
- Once your app is fully compliant, resubmit your app for review.
Submitting apps designed to mislead or harm customers or evade the review process may result in the termination of your Apple Developer Program account. Review the Terms & Conditions of the Apple Developer Program to learn more about our policies regarding termination.
If you believe your app is compliant with the App Store Review Guidelines, you may submit an appeal. Alternatively, you may provide additional details about your app by replying directly to this message.
自从中国政府打击彩票类,苹果对金融,彩票类的包,大范围的拒了2.5.2,这个时候你不用慌,你可以选择申述
义正言辞的反应你的app没有这方面的问题,一般2天左右就会过审.
这是我最近遇到的一些问题
有什么问题可以私信我.
