According to the payment industry data released by the central bank in the first quarter, the current domestic inventory of bank card network entities reached 12.479 million, and bank cards accepted 16.421 million POS terminals. The huge market has become a target for criminals to peek into. The unscrupulous merchants ignore the regulations governing the collection business. By arbitrarily moving machines, cross-border and cross-regional use of pos machines to engage in illegal activities such as nesting, cashing, and money laundering have occurred. The funding problem is no small matter. The POS machine is the main settlement tool for non-cash transactions, which is related to the security of the capital and property of merchants and cardholders. Then, is there any effective risk prevention and control measures in the professional segment of POS terminal transfer risk detection? Among the risk prevention and control measures of the domestic third-party payment leader UnionPay business, there is a “UnionPay Commercial Terminal Positioning System†that uses LBS technology for mobile phone risk detection. The system is one of the innovations of UnionPay's “POS+†series. Based on the existing method of monitoring the transfer mode in the form of POS terminal dialing, it sets “electronic fence†(ie the movable range of the terminal) for the mobile POS terminal, and the system application LBS technology, based on the scope defined by the "electronic fence", detects the real-time location of the terminal, and can quickly alert, identify and handle the risk of moving the POS terminal across the region. The basis for the "electronic fence" range is derived from rigid bill of lading business rules and soft UnionPay business big data analysis. According to the data of the merchant's network access audit, basic information, industry type characteristics, daily transaction flow, historical experience and other data, UnionPay can quantify the risk level of each merchant. The “UnionPay Business Terminal Positioning System†is based on the risk level. Each mobile POS terminal is equipped with an "electronic fence": a national area, a provincial environment, a city environment, a regional environment, and a circular area with a custom radius. It is understood that LBS technology has been widely used in mobile phone map navigation, taxi positioning, marketing information push and other service areas, UnionPay business combined with POS terminal transfer risk detection, can be described as "POS + LBS" industry first. Using LBS technology, the latitude and longitude information of the location of a transaction at the mobile POS terminal will be uploaded to UnionPay's “POS terminal positioning system†in real time. When the actual location exceeds the specified “electronic fence†range, it can be judged that there is a shift. Machine risk. Once the existence of the transfer risk is detected, the “UnionPay Business Terminal Positioning System†will immediately notify the Union's affiliated risk specialists via SMS, email or even WeChat. According to the risk prevention rules, the risk specialist can use the system to remotely block the merchants in a few seconds, such as transaction blocking and capital suspension, and the acquiring industry will first complete the risk detection and risk within the “second†aging period. Dispose of. It is reported that "UnionPay Business Terminal Positioning System" has fully covered mobile phone POS, "Easy POS" and other mobile terminal equipments of UnionPay Business, and the detection accuracy rate is over 96%. Ningbo XISXI E-commerce Co., Ltd , https://www.petspetstoys.com