The Deputy Inspector of the PBOC said that in 2015, POS receipts will be regarded as a strict supervision year!

Cases of bank cards being stolen are commonplace throughout the country. Recently, the Urumqi City Intermediate People's Court held a trial of a 40,000 yuan deposit disappeared out of thin air. The trial found that the funds involved in the card were stolen for two reasons: First, the debit card provided by the issuing bank was not strong, and the information was easily copied; secondly, the special merchants using the POS machine could not identify the fake card. For these two reasons, the court ruled that the bank violated its obligation to keep depositors confidential and protect depositors' deposits, and there was a fault.

The tricks that happen on the pos machine are far more than that. The public spent credit card consumption, a small POS machine ticket, the secret hidden inside is rarely known, and a string of code on the small ticket is the root of the bank card market chaos.

Miss Wang, a company employee, recently encountered some puzzling things when she was spending money at the restaurant.

"I obviously eat at the restaurant. As a result, the POS machine ticket that the hotel gave me is not the name of this restaurant. It has become a clothing business department. It feels weird!"

Fortunately, the meal fee is correct, the restaurant also gave a formal catering invoice, Miss Wang did not pursue further. But if Miss Wang carefully looks at the number on her POS ticket, the 8th to 11th digits of the 4 digits become 5137, compared to the POS code list, for the clothing wholesaler. The restaurant's POS code should be 5812. Don't underestimate the changes in several digits. The business involved in the card processing fee is three times or more. Mr. Yu, a person familiar with the banking industry, told reporters:

"Now it is more chaotic! UnionPay is theoretically controlled, but now it is basically a merchant company, such as the Shanghai grocery store, if you want to apply (POS), it can only be theoretically Retail, but now that you are working with a third party for commission, you may also be able to help you with a wholesale class. UnionPay will not be on the spot."

As a third-party acquiring institution for bank cards, that is, an organization that deploys POS machines, it has colluded with POS machines to apply for merchants through set-up methods, which has confusing the bank card acquiring market. Third-party acquirers took the opportunity to expand the market share of bank card receipts, and conspiring merchants also saved a lot of credit card fees and wishful thinking. Mr. Yu said that due to the existence of a large number of non-standard POS machines, the risk of cardholder personal information and bank card account information leakage has increased significantly. At the bank where he is located, many customer bank cards were stolen by these non-standard POS, and the customer denied a certain consumption. As a result, the bank checked the receipt code and found that the merchant could not be found.

In this regard, Zhang Guangping, deputy director of the Shanghai Banking Regulatory Bureau, said at a bank card industry conference that the Shanghai bank card business, which currently occupies nearly half of the country, faces some new problems, especially bank card information and funds involving the vital interests of consumers. Security issues need to be highly regarded. The bank card theft incident caused by information leakage seriously damages the rights and interests of consumers and jeopardizes the healthy development of the entire bank card industry.

At present, the crimes against bank cards are technicalized, specialized, and networked. The way of searching for bank card information is developed by hand-sweeping and sneaking into the chip-oriented direction. Some new payment methods and channel technologies have insufficient internal control and protection capabilities, and they are also likely to be targets of criminal attacks. Relying on the technical means such as the Internet, criminal incidents of stealing consumer information and bank card information have occurred frequently. In 2014, some bank card centers in Shanghai accounted for 75% of all types of credit card fraud losses.

According to the latest news, this year, in response to the bank card market chaos, the city's bank card authorities will increase the rectification of the bank card acceptance market. Ji Jiayou, deputy inspector of the Shanghai headquarters of the People's Bank of China, who is responsible for supervision, said that this year will be classified as strict. Year of supervision.

"In 15 years, we have regarded this year as a strict supervision year. We have not been able to effectively implement the real name system for issuing cards, and we have not strictly implemented the real-name review of merchants, and the outstanding problems in the current bank card acquiring business. To continue the on-site inspection."

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