"Pay new regulations" set up five "walls" to prevent telecom fraud

Recently, "telecom fraud" has become a hot topic, and all relevant departments have punched out. Recently, the People's Bank of China issued a notice on strengthening payment settlement management. Since December 1st, a number of new payment regulations will be implemented. From the settlement account opening and fund transfer, efforts will be made to build a mass fund security firewall to prevent New illegal crimes in telecommunications networks. Yesterday, the relevant people of the People's Bank of China Qingdao Central Branch explained this.

ATM self-service transfer arrives 24 hours later

The most critical step in telecom fraud crimes is to require victims to transfer money through ATMs, online banking, and mobile banking. Therefore, the new regulations make extraordinarily detailed regulations on self-service channel transfers. According to the new regulations, in addition to transferring funds to my peer account, individuals transfer money through the self-service teller machine (including other self-service devices with deposit and withdrawal functions, the same below), the card-issuing bank handles the funds transfer after 24 hours of acceptance.

According to relevant persons of Qingdao People's Bank, according to the public security organs, nearly half of the victims of the new telecommunication network crimes are transferred to the fraud account through self-service teller machines. This regulation is to minimize the fraudulent inducement of victims to transfer funds and realize cash repayment. .

It is reported that at present, banking institutions can provide cardholders with diversified transfer services such as ATM, counter, mobile banking, online banking, etc. Delayed transfer is only for ATM channels, other channels are not affected, payment settlement efficiency can still be effectively guaranteed, and Mobile banking, online banking and other channels do not charge any transfer fees. According to the statistics of Qingdao Bank, the annual ATM transfer transaction volume in 2015 accounted for only 0.06% of the total transfer transaction volume.

A person can only open a Class I household in a bank.

Since April 1 this year, the central bank has classified personal bank settlement accounts into categories I, II, and III based on the verification method and risk level of the applicant's identity information. Class I is a “all-round” account, which is opened at the counter and verified on the spot. Class II is a “restricted-level” account that can save money and manage money but cannot be used for stock trading. Class III is a small amount with an account balance of no more than 1,000 yuan. The consumer-type account, the latter two categories are opened through electronic channels, and need to be tied to the I-type households.

The new regulations introduced this time require that since December 1, 2016, banking financial institutions open bank settlement accounts for individuals, and the same person can only open one class I household at the same bank (in legal persons). If a Class I household has been opened and a new account is opened, a Class II household or a Class III household shall be opened.

The relevant person in charge of Qingdao Pedestrian said that the new regulations only limit the number of accounts for Class I full-featured accounts, but there is no restriction on the number and use of Class II and III households. Individuals can completely arrange their own funds and account types. Safe and unrestricted use of funds. Moreover, the excessive number of individual accounts has caused the individual to manage the account and its assets poorly, not enough attention to the account, and also laid a hidden danger for the account opening, the impersonation account opening and the fictitious agency relationship.

Suspicious account opening can refuse

Another important element of the new regulation is that it is clear that in one of the following circumstances, banks and payment institutions have the right to refuse to open an account: there is doubt about the identity of the unit and personal identity, and the auxiliary documents are required to be presented, and the unit and individual refuse to produce it; Units and individuals organize others to open accounts at the same time or in batches; there are obvious reasons to suspect that opening an account for illegal activities.

Relevant persons from Qingdao People's Bank said that this regulation can prevent criminals from opening anonymous or pseudonymous accounts for fraudulent, cash-out, money laundering, terrorist financing and other illegal activities, which will help improve the internal control management level of banking institutions and payment institutions and reduce operational risks.

Buying and selling payment accounts, impersonating account opening, face heavy penalties

According to the new regulations, trading accounts and counterfeiting account holders will face severe penalties: they will stop their bank accounts for non-counter business and pay for all business accounts within 5 years, and may not open new accounts for them within 3 years. At the same time, the People's Bank of China also transferred the above-mentioned unit and personal information to the basic database of financial credit information and announced it to the public.

Relevant persons from Qingdao People's Bank said that the introduction of this policy can effectively curb the illegal activities of buying and selling accounts and counterfeiting accounts, help limit illegal units and individuals to open new accounts, greatly increase the cost of violations, and will exert a powerful deterrent against lawless elements. effect.

No unit or individual may buy or sell pos machines online.

According to the new regulations, no unit or individual may buy or sell POS machines (including MPOS) and card readers online. The bank and the payment institution shall conduct on-site inspections of all the special merchants of the entity, verify the use location of the acceptance terminal one by one, and fully implement the real-name system of the special merchants. Banks and payment institutions that provide T+0 fund settlement services for special merchants shall strengthen transaction monitoring and risk management for special merchants, and shall not provide T+0 funds for special merchants who have not entered the network for less than 90 days or have continued normal transactions for less than 30 days after entering the network. Settlement service.

Relevant persons of Qingdao People's Bank believe that the real-name system review of special merchants is not strict, and some POS machines support T+0 fund settlement services, which are easily used by criminals, which facilitates the rapid transfer of telecom fraud funds and cannot be effectively traced. This new regulation can trace the special merchants who have transferred funds in violation of regulations, pursue their corresponding legal responsibilities, and cut off the rapid transfer channels of fraud funds.