Small POS machine hides big trap

With the rapid development of the economy and society, more and more people use POS to swipe their cards. Recently, many local public security organs have received fraudulent cases concerning the installation of pos machines. In such crimes, the criminal suspect installs and uses the POS machine as a bait at a low fee, enticing the merchant to use his POS machine to checkout, and then modifying the bank card that the merchant has previously bound to the POS machine, which should be transferred to the merchant account. The business proceeds are transferred to their account.

Case

Counterfeit bank staff install POS machines for free

At 16:00 on September 6, 2015, Wang went to the police station and said that on September 2, a person who claimed to be a staff member of Everbright Bank came to his company and installed a telephone POS terminal for him free of charge. The machine has been bound to the account that Wang has handled at China Everbright Bank. At 11 o'clock on September 5, friend Tao came over to repay, because Wang installed a new POS terminal, which allowed Tao to repay the card, and Tao spent 150,000 yuan on the POS. On September 6, Wang went to the China Everbright Bank to inquire and was told that his friend Tao’s credit card spending had not yet arrived. After consulting the staff of China Everbright Bank, Wang learned that there were no staff at Everbright Bank who had installed POS machines for them.

Deception

1. In such cases, criminal suspects usually commit crimes and may act as salespersons, installers, and customer service personnel of the POS machine, respectively, to induce the victim to install a POS machine that has been bound by a criminal suspect to control the bank card. Once the victim or customer swipes the card, the funds flow into the account controlled by the suspect.

2. The criminal suspect uses the victim's covetous cheap psychology to install and use the POS machine with a low fee as a means to induce the victim to use the POS machine provided by the victim to swipe the card, and then the POS machine should be transferred to the merchant account for credit card consumption. Transfer funds to the account under their control.

3. According to the relevant regulations, merchants applying for POS machines need to submit business licenses, tax registration certificates, ID cards, bank cards and other related materials to the applicant bank. The criminal suspect applies for a POS machine to the bank in a fake identity, and then sells the POS machine that has been applied for from the bank or a third-party payment platform online, and induces the victim to be deceived at a lower fee.

4. Fraudulent links of criminal suspects: First, fraudulent use of the identity of others, becoming a salesman of a third-party payment platform company in an area. The second is to use the merchant's psychology of POS machine fee price sensitivity, falsely claim that it can handle POS machines with lower rate, and defraud the merchant's license, bank card and other information. The third is to use a bank card to replace the merchant's bank card when using a third-party payment platform or bank to apply for a POS machine. Others use the merchant's information. The fourth is to use the loopholes in the audit, sign the POS machine application agreement with the bank or third-party payment platform, and get the POS machine. Fifth, after the merchant has swiped the card normally, first enter the corresponding amount through the account to the merchant to defraud the merchant's trust. Once the suspect finds that there is a large amount of money in the POS machine, the merchant funds are quickly intercepted, and then the merchant is cut off. contact.

Preventive measures

1. Public security organs can conduct security precautions to small private enterprise units or individual shop owners through police and people's talks and daily visits, reminding them to handle POS business through formal channels and improve their awareness of security.

2. After receiving the alarm from the merchant owner, the public security organ must not only invest in the investigation of the case, but also disclose the latest fraudulent methods of the suspect to the society in a timely manner, publicize the processing procedures of the POS machine, and the links that need attention, and remind the merchants to avoid The greed is cheap, and the small is lost.

3. At present, the financial department's application review for POS machines mainly stays on the written materials, and there is still a blank area for supervision and management. In order to curb crime from the source, the financial department must improve the POS machine's application for verification and verification, so that the application materials are consistent with the parties, the bound bank card is consistent with the materials provided by the parties, and the location of the POS machine is used by the parties. The locations filled in the materials are the same.

4. The bank and the third-party payment platform shall open a timely arrival inquiry service for the merchant to choose, and technically reduce the crime room for the criminal suspect.

5. When a bank staff visits a POS machine, the party should contact the bank to verify the identity of the installer, or after installing the POS machine, test it on the spot to check whether the bound account is his or her account.

6. When installing the POS machine, the parties should not only consider the price factor, but also pay attention to the transaction security and try to apply for the POS machine to the financial department with high reputation. When choosing a POS machine with a lower price, be sure to turn it on when you confirm the security.

7. When the party applies for a POS machine, you must personally go to the bank to provide the information. When you first swipe the card, you must check whether the binding is your own bank card.