Suspicious feature recognition and countermeasures for POS machine cashing
I. Suspicious POS machine cashing suspicious transaction characteristics and identification points (1) Suspicious transaction characteristics of POS machine merchant contracted accounts 1. The capital income is mainly the credit card clearing of the pos machine. From the proportion of all kinds of funds transferred to accounts, in general, POS and credit card clearing accounts for a relatively high proportion, and some are as high as 99%. 2. Obvious transitional nature. Accounts for opening POS machines often have obvious transitionality. After the POS machine clearing funds are transferred, they will be transferred out through online banking on the same day or the next day. The funds are roughly equal in payment and the balance at the end of the day is small. 3. There are obvious trading characteristics of public and private transactions. After the POS machine clearing funds are transferred, they will be transferred to the personal account immediately, or transferred to the personal account through the transition of the public account, and the personal account accepting the funds will be withdrawn or transferred to other accounts. Some merchants' funds are liquidated directly to a fixed public account. 4. The transfer amount has a preference of up to 49,000 fluctuations. The general transaction amount fluctuated within the range of 49,000-49,999, which is very close to 50,000 yuan. It seems that it intends to avoid the tendency of banks to monitor large-value transactions of more than 50,000 yuan, avoiding the submission of identity documents and counter inquiries. 5. The transaction characteristics do not match the scale of the business. Some merchants were established soon, and the registered capital was only 20,000-50,000 yuan. It still takes a certain amount of time to accumulate orders and customer resources. However, after the establishment of the POS machine, large-scale transactions occur frequently. One-day transactions are even equal to the surrounding area. The trading volume of merchants of the same size for one month, or the transaction volume of RMB 10 million and RMB 100 million, is inconsistent with the business development of normal merchants. At the same time, the field survey found that the small size of the merchants, the phenomenon of cold spots on the spot, the huge amount of capital transactions and their small-scale operating conditions and the operating income of the same industry are not commensurate. 6. Use a preference in the form of non-face-to-face transactions. In addition to the necessary counter transactions (mainly the handling costs after opening an account, such as the online banking fee, the cryptograph sold and the account deposit, etc.), the types of account transactions suspected of cashing out are mainly online banking transactions, telephone banking transactions and Non-over-the-counter transactions such as self-service equipment transactions, deliberately avoiding going to the bank counter to conduct transactions, avoiding being questioned and concerned. 7. The counterparty has obvious independence from the business scope. Opponents of merchant transactions are not related to their business scope. For example, as a merchant who manages leather goods, there are a lot of capital exchanges with merchants such as jade, steel, clothing, hardware, and building materials, which is obviously not normal. 8. The actual controller and the registrant may be inconsistent. From the perspective of transaction flow, some enterprise registrants have never been to a bank after they have opened an account and opened an online banking service. All other people handle their daily business, and the flow of funds is not transferred to their name, but daily. The account of the person in charge or a fixed account of another person seems to be outside the scope of daily management of the registrant. 9. The nature of the enterprise is mostly a trade-type unit with a small rate of receipts such as wholesale. Most of the merchants that are cashed out are small-scale trading departments with a registered capital of less than 30,000 yuan. The bank card receipt rate is lower than 1% of the handling fee, which reduces the cash-out cost. (2) Swipe suspicious transaction characteristics 1. After the POS machine is successfully installed, a large number of POS credit card transactions occur frequently in a short period of time. The total number of single-day credit cards is large, and the total amount of single-day credit cards is large, which is obviously inconsistent with its business scale. 2. As far as the frequency of credit card transactions is concerned, the interval between card swiping is short. Even the time interval between multiple large credit cards is only 1 minute. Such frequent credit card transactions often have no actual trading background. 3. Bank cards that are swiped are often distributed widely, but sometimes they also have concentrated features. Generally speaking, some merchants are professionally cashed out, so the bank cards are widely distributed. There are certain proportions of bank cards in different places, but there are also exceptions for concentrated small-scale cash-out, mainly for small and medium-sized enterprises. Employees concentrate on cash card cashing, so the distribution of bank cards is relatively concentrated. 4. Some credit card owners have close relationship with POS machine merchants. The establishment of some merchants is to facilitate cashing. The registered registrant is the employee of a company. The reserved address is also the corporate address of a company. The company organizes employees or affiliated employees to unify the merchants to make false credit cards. 5. There are multiple transactions with the same amount of credit card. Judging from the amount of credit card, some bank cards have consecutive consecutive credit card records with the same amount. The shortest time interval is no more than a few seconds, and there is a tendency to evade bank monitoring. 6, the local application for POS machine off-site transfer is more prominent. Money laundering criminals like to apply for a POS machine in the local area, and then use the local public security organs to overcome conflicts of jurisdiction, increase the difficulty of obtaining evidence and the difficulty of detecting. At the same time, due to the existence of the transfer machine, there is a phenomenon that the cash card is swiped in a very short time in a very short period of time, and the merchants who are far away from the physical distance are swiping the card. (3) Other abnormal performance 1. The merchant has conducted “public relations†on the bank staff several times. After the bank found that the merchant transaction was abnormal, the merchants had stopped paying the merchants. The customer not only did not feel emotionally appealing to the legal means to solve the problem, but repeatedly called for the termination of the payment and the “public relations†of the relevant staff of the bank. 2. Suddenly increase the credit card amount. The actual business controller of the company suddenly increased the credit card quota and maintained the high frequency usage rate. 3. Adopt the minimum repayment method. The credit card overdraft of the actual business controller of the enterprise adopts the minimum repayment method to relieve its financial pressure. Second, countermeasures and recommendations (1) Follow the principles of understanding your customers. When the POS installation is approved, the bank's account manager strictly implements the “three-way visit†system of the merchants. It must go to the field to conduct on-site visits, investigate and verify whether the customer has a real business premises, and whether the business premises match the transactions they are engaged in. Whether there is a necessary staff; further understanding of the customer's business transaction background, business scope, scale of operation, visit nearby merchants, market management office and industrial and commercial administration departments as necessary to collect more information to determine whether the customer has substantial operations, Whether it is a "empty shell" company. (2) Strengthen the publicity and education of money laundering crimes, illegal business crimes and safe use of cards, and improve the deterrence of the law. When the POS machine is allowed to enter, the bank staff should strengthen the education and reminder of the legal awareness of the operators, and tell the operators to use the POS machine to cash out the crimes stipulated in the Criminal Law, if they know that they are seven types of specific upstream crimes. And helping to cash out money laundering may also involve the crime of money laundering. These are serious criminal acts and face serious jail time. At the same time, strengthen the publicity of the public safety card, the outlet should pay attention to the customer's password and security card risk warning before issuing the card, remind the customer not to rent or lend the bank card at will, the password can not tell others, the card is lost through the bank Regular channels handle loss reporting. 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At present, some individuals and small and medium-sized enterprises in the society repeatedly use credit card overdrafts, repayment operations, and disguised bank credit funds through POS machines to ease liquidity difficulties or personal consumption. Using the interest-free period of credit cards for short-term financial transactions is not only very easy to cause credit risk, but also to the bank's losses, and to a certain extent, the financial order. 
