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How to regulate the "broken card" operation to crack down on electrical fraud to prevent "accidental injuries" with cards?

via:凤凰网     time:2022/8/13 9:02:28     readed:175

According to media reports, many bank debit card users used by Shenzhen accounts cannot be explained and transferred through WeChat, Alipay, and the account status is shown to freeze. Due to the recent increase in customers in the thawing account, some bank outlets have even lined up. On August 12, a reporter from the Beijing Youth Daily learned that the reason why the recent frozen account phenomenon in Shenzhen was significantly increased because the "Notice on the Seven Measures on Efficient Squeezing High -Risk Personal Cards" was issued local. Governance and requiring banks are required to take strong measures to resolutely reverse the current passive situation.

Some accounts are not available for non -counter channels

North Youth Daily reporter noticed that the problem of frozen accounts in Shenzhen is more concentrated by customers of a state -owned bank. Yesterday afternoon, a reporter from Beiqing Daily called the bank's branch in Futian District, Shenzhen. The staff said that there are indeed many customers who have come to thaw bank cards recently. They are generally because of frequent small transactions. The bank also frozen their bank cards in accordance with the requirements of relevant departments. Customer -owned ID cards and bank cards come to the outlets to go through the procedures, and it can be thawed after verification. The staff also said that long -term bank cards may also be frozen and need to go to the outlets to go through procedures.

It is understood that in addition to this big bank, other banks in Shenzhen also have a large -scale frozen card from customers. On August 5th, Shenzhen Branch of a city commercial bank in Jiangsu and Zhejiang issued an announcement on Guanwei that according to the requirements of Shenzhen jointly organized the "Notice on Efficient Squeezing the Seven Measures of High -Risk Personal Cards", combined with the actual situation of the bank's account, this should be the actual situation of the bank. Restricting non -cabinet channel control on accounts that meet the control conditions. If the customer's account is used, it is found that the funds cannot be received through non -counter channels for the time being, and you can go to the designated outlet to appeal or call for consultation.

Camping the "broken card" operation of electrical fraud

Many people in the industry told the North Youth Daily reporter that the recent operation of Shenzhen's recent operation is also a measure taken in cooperation with relevant departments to implement the "broken card" operation. In the past two years, banks in high -incidence areas have become more stringent, and the frozen accounts are significantly much more than other regions.

On October 10, 2020, the State Council held an inter -joint joint meeting to combat the new type of illegal crimes of the telecommunications network, and decided to carry out the "broken Card "Action, clean up and rectify fraud phone cards, Internet of Things cards, and related Internet accounts. In the "Broken Card" operation, banks and payment institutions also need to clean up abnormal bank cards such as long -term non -accountable, "one person and multiple cards", and frequent reporting card replacement cards.

In November last year, the central bank announced the results of the "broken card" operation over the past year. In this "broken card" operation, the central bank urged banks, payment institutions to clean up long -term non -accountable, "one person and multiple cards", frequently reported loss and replacement cards, and other abnormal bank cards of 1.48 billion copies; guide commercial banks to establish fraud risk monitoring and interception The model, "fast monitoring, timely interception" of high -risk transactions involving fraud, intercepted 1 billion yuan in real time.

Do not step on the four "restricted areas" by individual cards

Ms. Li, who has worked on the front line of the bank for many years, told the reporter of Beiqing Daily that according to her experience, the bank card was suddenly limited, and most of the four abnormal situations exist.

The first is incomplete customer information reserved by banks. For example, the customer's certificate is overdue, and the customer's information is incomplete. Many banks' systems will regularly screen such customers to restrict non -counter business in batches. She reminds everyone that if a new ID card is changed, it must be updated to the bank in time, and most banks' mobile banks can be handled.

The second is frequent trading of bank risk control system warnings such as anti -money laundering and anti -fraud. Some merchants will use their personal accounts to collect and transfer public accounts in order to evade taxes; some people keep swiping the POS set of POS machines now; and some people sell orders or participate in online gambling, buy and sell virtual currencies. It will definitely be restricted. Ms. Li suggested that the cardholders should not enter and transfer the accounts frequently in a short period of time, and do not often turn out immediately after receiving the account, let alone accept the accounts of unknown overseas funds or suspected illegal activities.

The third case is that the bank card is not used for a long time, and the status is abnormal. If the customer wants to continue to use or activate, you can consult the bank to handle it; if you do not need to use it, it is best to sell the account as soon as possible.

The fourth case is that my bank account is fine, but the account of the opponent's account is problematic. If there are transactions such as transfer with the account involved, it will also be restricted. In this case, other departments often need to cooperate to lift the restrictions, and the bank cannot solve it alone.

"System recognition will also have a mistake." Ms. Li said that if the cardholder receives the bank verification, he must actively cooperate, and actively provide identity documents, flowing water, invoices and other proof when necessary. At the same time, keep your ID card and bank card. Do not rent or lend to others, let alone participate in other illegal activities.

Suggest

Banks should improve services to solve the inconvenience caused by "wrong injuries"

The "broken card" operation has been carried out for nearly two years. Why are there many cardholders who have been "injured" by mistake? Behind the phenomenon of large -scale "broken cards", does the bank have room for improvement and improvement services?

Dong Ximiao, chief researcher at Zhaochao Financial, said that the bank is a "broken card" operation to combat the public security organs and other departments to combat telecommunications fraud. This is the responsibility. The design screening model to identify the risk of the user card. If the setting conditions are too narrow, there may be a fish that missed the net. Therefore, some banks now take relatively broad investigation measures, and a small part of the cardholders will be "accidentally injured". Essence

Dong Ximiao said that he hopes that banks can use more fintech methods to achieve more accurate investigations and try to reduce the proportion of "wrong injuries". At the same time, more humanized and more convenient remedial measures are taken after "misunderstanding". For example, you can consider the combination of online and offline. Some procedures can be processed online, and some materials can be filled in online; offline thawing can also be considered on self -service equipment. In short, banks should provide a variety of convenience for the cardholder to thaw bank cards and try to simplify the process as much as possible.

Pan and Lin, the co -director of the Digital Economy and Financial Innovation Research Center of Zhejiang University International Commercial School, pointed out that customers are the root of banking business, and banks themselves must tend to provide customers with convenience. The "broken card" operation may bring inconvenience to some users. What the bank can do is to explain to customers clearly and provide good services at the same time. For example, some cards need to be reopened after freezing. Can you consider online real -name authentication to reopen? For example, did you inform customers in time when "broken card"? If banks can actively improve their services, even if they cannot completely solve the inconvenience caused by "broken cards", at least they can retain their customers through thoughtful services.

Text/Reporter Cheng Jie Coordinating/Chi Haibo

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