Nowadays, there are really many cases of fake card theft. From time to time, there is a big case, and the amount involved is from the original millions to tens of millions or even hundreds of millions. This article will give you a general knowledge of how POS users can prevent "pseudo-card stolen".

First of all, let's first talk about what is a fake card?

Pseudo-card: A pseudo-card refers to a card used by a non-credit card person, rather than a card that the criminals copy the original card information through technical means to illegally swipe or cash.

Note: The transaction loss of the fake card will be borne by the merchant, and the transfer that the merchant cannot afford is borne by the service provider! Therefore, merchants must polish their eyes and prevent fake card transactions.

Clone card, copy card: The card after the bank card is cloned is the bank clone card.

Compared with the traditional magnetic stripe card, the main feature of the chip card is that it is difficult to clone, but if it is really cloned, for the ATM machine, the clone card becomes a "true card", which is difficult to distinguish. The ATM can't judge which card was sent, mainly by the password entered by the customer. In the eyes of the ATM, no matter what the appearance of the card, as long as the card number in the magnetic strip can be read, then the password is lost. It can be operated. For the machine, the clone card is no different from the real card.

Note: The transaction loss of the clone card, the law does not expressly stipulate the responsible party. According to the past cases, the card owner's rights protection is difficult, and most of the commitments are made by both the bank and the cardholder.

Next, we have to give you some common fake card examples. When you encounter these fake cards, you must take decisive action to protect your rights.

Example 1: Credit card expired

The validity period of a credit card is generally very small, and its validity period is expressed in [month/year]. The general bank credit card is valid for 3 years, and the individual bank is 5 years. These expired credit cards are also a type of fake card. When a pos machine merchant conducts a transaction, especially when making a large transaction, it is necessary to take a look at the validity period of his credit card.

Example 2: The first four digits of the card number are inconsistent

Another common example of a fake card is that the first four digits of the embossed card number on the front of the credit card are inconsistent with the micro-four digits printed on the lower plane. This is easy for business friends to pay attention to in daily transactions. flaw.

Example 3: Card surface information is inconsistent with the small ticket

Another example of a fake card is that the information such as the card issuing bank, the card number, and the like on the bank card face are inconsistent with the information printed on the small ticket printed by the merchant friends. The card face shows ICBC, the issuing bank on the small ticket is China Merchants Bank, and the card number information is completely inconsistent. It is recommended that after the transaction is completed, the POS machine merchants need to check the card information and the ticket information to form a good operating habit, and then stay away from the fake card.

So how do you stay away from these fake card transactions?

First, pay attention to cardholders

If the cardholders who encounter the following behaviors, then the merchants should be vigilant, he/she is likely to use a fake card!

1. Dressing, dressing, and acting like a local tyrant, you can buy expensive ones;

2. When a large amount of transactions is refused, it is often required to order or use other cards immediately;

3. By requesting a rebate to use a credit card to collect cash, the signature is extremely simple and scribbled, and the risk level is high;

4, eager to deal, the purchase speed is fast, will not bargain.

Second, observe the bank card

1. Look at the plastic film. The surface of the real card is smooth, the color is not easy to fall off, and the negative film has anti-counterfeiting marks; the surface of the fake card is rough, the color is easy to fall off, and the negative film is generally not designed with security;

2. Look at printing. The true card is bright in color, the words are clear, and the card surface stripes are neatly checked; the pseudo-cards are fuzzy, the color is too dark or too light, and the card surface stripes are not neat, as if they are stuck on a white card;

3. Look at the signature bar. The real card has the trademark of the repeat card issuing company; the fake card has no company trademark, that is, it is all white or has traces of alteration, and the signature is not smooth;

4. Name column. The true card number is capitalized and orderly; the fake card imprint number and the English letter are not neat or different in size, and the old card number of the modified card is faintly visible on the card surface.

5. Look at the signs. Anti-counterfeiting mark, card organization mark, etc.;

6, look at the card number. The card number of each card corresponds to the beginning of the card number, such as UnionPay is the beginning of 62, MasterCard is the beginning of 52, VISA is the beginning of 40.

Third, check the purchase order

1. Check the transaction elements

1 Check card number: the card and card number on the nuclear certificate and the card embossing card number and card type held in the hand, the name of the issuing bank;

2 Checking the amount of credit card: Whether the transaction amount is correct or not is related to the safety of the company's funds, and the account is completed. If the verification result is incorrect, the transaction must be cancelled immediately, and then the card should be re-swapped.

2, check the signature

After the successful completion of the POS transaction, after printing the purchase order, the cashier should immediately ask the cardholder to sign the purchase order and check the signature of the card back.

It is strictly forbidden to swipe a single card

It is forbidden to use the same credit card to use one transaction at the same time, and the merchants must discard the transaction amount in the same time, that is, the merchant must refuse the cardholder to brush the transaction amount, and can not deliberately brush.

Identify and process fake cards?

1. How to identify the risk of fake cards

1 Check whether the first four digits of the embossed card number are consistent with the micro four-digit number printed on the lower plane. If it is inconsistent, it can be judged as a fake card or a fake card;

2 When criminals use bank cards to commit crimes, they often have some characteristics. Merchant cashiers should learn to observe the abnormal behavior of cardholders, increase vigilance, reduce risk losses, and severely crack down on unscrupulous people.

2. Common abnormal behaviors are:

1 Cardholders have doubts about wearing, dressing, and behaving;

2 Shopping or consumption is very casual, not interested in the goods purchased, do not care about the specifications, quality and price of the goods, only hope to complete the transaction as soon as possible, rush to close;

3 purchase goods that are of high value, easy to liquidate and carry;

4 When the card is swiped, the card number displayed on the screen is inconsistent with the card face card number. When the card is swiped, the look is tense, and the cashier is constantly urging the operation, and deliberately distracts the cashier's attention;

5 Cards are not taken out of the wallet but are taken out by the pockets; they hold multiple bank cards when they are consumed. When a card cannot be swiped for authorization, it does not require manual authorization, but immediately replaces other cards. Or, if the single card is unsuccessful, it is required to reduce the amount immediately and repeatedly test the brush;

6 swipe card failed to obtain authorization to request a single pressure card for payment;

7 In the process of signing the bill, I look flustered and look around. When signing, I ask that the signature or signature on the back of the card is very slow.

3, confiscation card processing

The 1pos machine screen displays the “confiscation card” and is verified by the acquiring institution;

2 The authorized personnel of the acquiring institution clearly inform the need to confiscate;

3 confirmed by the merchant to be a fake card;

Special Note:

As long as there is doubt, if you are not sure, don't rush to swipe your card and call the bank immediately.

special reminder! ! !

1 If you encounter a card without signature, you can reject it;

2 If the signature is in Chinese, it should be consistent with the Chinese phonetic name of the cardholder who is embossed on the front side. If it is obviously inconsistent, it can also be rejected.

3 Due to the unified request of the People's Bank of China to prohibit bank card downgrade transactions, all major banks and payment companies will soon use chip cards to trade. However, criminals, some magnetic stripe forged cards that were stolen, will not be able to be traded on future pos machines, resulting in a large number of Guangdong, Fujian pseudo-cards, impersonation cards, etc. will soon be invalid. The criminal gang began to think of ways to cash out everywhere. As soon as possible, the card resources in their hands will be realized, and the amount of black cards will be huge. The pre-cardholder must open a bank phone reminder and replace the IC card in time;

4 The acquiring institution must strictly guard against transactions in special areas and trade at special times! Special pos monitoring, such as immediate settlement, transfer to real-time account;

5 mobile phone card reader mechanism must pay attention, because the card reader still supports magnetic stripe card transactions, please be careful! Now criminals are national collaboration! Be sure to pay attention to the initial evaluation of the application information such as the mobile phone number identification number and the age of registration! Remember to remember;

6 pos machine error code 40,41,4243, more than 44 pseudo-cards immediately stop brushing;

7Police cards at the beginning of 6011, 644 and 65 are mostly fake cards;

8 There is also a fake card that is all white cards without any logo. Please seriously distinguish.

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