In recent years, the development of credit cards has been very rapid, and the use of them has become more and more common. At present, people in the society have found that some people use fake credit cards to commit crimes in an attempt to obtain other people's money. In this society where fake cards are flying, how to identify true and false credit cards is not only an indispensable skill for cardholders, but also a key point for merchants to guard against. According to statistics, 14% of POS agents suffer losses due to fake card transactions! First of all, what is a fake 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 by 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! Next, give the merchants some common examples of fake cards. When encountering these fake cards, they must act decisively to protect their rights and interests. >>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. The credit card shown below is valid until the end of December 2004 and has expired! >>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. The flaws are as follows: So how do you stay away from these fake card transactions? >> First, pay attention to the cardholder. If the cardholders who encounter the following behaviors, then the merchants should be vigilant, he/she is likely to use a fake card! Dressed up, dressed in words and deeds like local tyrants, and they are very expensive, and they buy expensive ones; When a large amount of transactions is refused, it is often required to order or change to another card immediately; By requesting a rebate to use a credit card to collect cash, the signature is extremely simple and scribbled; (high risk level!) Urgent to deal, the purchase speed is fast, will not bargain! >> Second, observe the bank card. It is recommended that merchants themselves or the cashiers learn the following skills, and they can tell the authenticity of the bank card at a glance! Observe whether the card material, color, UnionPay or bank logo is consistent with the real card; Pay attention to whether the card number displayed on the POS machine and the card holder card number are consistent; Cards cannot contain the words "sample card", "dedicated card" or "VOID"; Whether the card is in good condition, no damage, no holes, corners, damage or alteration; Whether the bank card is valid; Whether the cardholder's reserved signature on the back of the card is clear and unmodified. special reminder: If you encounter a card without an signature, you can reject it; If the signature is in Chinese, it must match the name of the Chinese phonetic pinyin of the front embossed card holder. If it is obviously not consistent, it can also be rejected. Finally, Xiao Yan gives everyone a real reminder! 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, some criminals who have stolen some magnetic stripe forged cards will not be able to trade 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. 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! The mechanism of the mobile phone card reader must pay attention, because the card reader still supports the magnetic stripe card transaction, 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! Makeup Remover,Lipstick Makeup,Pink Lips,Shine Loud Liquid Lipstick Guangzhou Boxuanya Cosmetics Co., Ltd. , https://www.bxycosmetic.com
