Bank institutions: to prevent the volume of the road running consumer POS machine card to be carefully viewed

Xinhua News Agency, Tianjin, March 15 (Reporter Wei Hui) Since last year, there have been many incidents of unlicensed business payment operations, which have brought financial losses to merchants and individual consumers. On the occasion of the International Consumer Rights Day, the Tianjin Branch of the People's Bank of China reminded the public that merchants should apply to POS machines to formal banking institutions and non-bank payment institutions that have paid licenses. Consumers should develop a POS machine to sign the purchase order. It is customary to ensure that the name of the merchant on the purchase order is the same as that of the consumer.

The relevant person in charge of the Payment and Settlement Office of Tianjin Branch introduced that there is no license for bank card acquiring business, uncertified for online payment business, and unlicensed for prepaid card business, which are three types of unlicensed business payment services. It collects a large number of merchants and consumer funds to control and control themselves. Because funds are out of supervision, it is easy to generate the risk of unlicensed institutions intercepting, misappropriating funds, and even carrying money.

According to reports, the unlicensed business of payment business also lacks security measures in merchants and customer development, technical facilities, terminal equipment, and customer information management. It is easy to cause customer information disclosure, account information to be recorded, triggering fake cards and stealing Such as risk cases.

How to identify the unlicensed business payment business behavior? The relevant person in charge of the Tianjin Branch said that the merchant should apply to the formal banking institution and the non-bank payment institution that has paid the license to apply for the POS machine. The official website of the People's Bank of China can check whether the payment service contracting company has obtained the “Payment Business License” from the People's Bank of China.

The merchant can also check whether the account name of the other party in the current account is “a bank internal account” or “a company (non-bank payment institution) customer reserve payment” by checking the bank account transaction flow for the POS machine to collect the card. Merchants should pay attention to the POS machine credit card funds in a timely manner, once the funds are not received in time, they should contact the acquiring institution in time. At the same time, after the cashier swipes the card, it is necessary to carefully check whether the bank card number and the signature on the back of the card are consistent with the POS purchase order, and properly keep the POS purchase order, and keep it for at least one year from the date of the transaction.

In addition, consumers should develop the habit of checking the POS machine to sign the purchase order, and ensure that the name of the merchant on the purchase order is the same as that of the consumer. When consumers recharge or purchase prepaid cards on the network e-commerce platform, they must carefully check the qualifications of the organization, and should not blindly pursue discounts and make large recharges.