Can I tease a scammers with the "payer pays the service fee?

Zheng @ playfun RT 20091019

On the wengrui push list, we can see such tricks to tease scammers:

RT @ huanghuangyy Resending @ wk373: a bank employee also receives a text message "Please remit the money to * account", and then deducts 2 yuan from the payer's account every time according to the 1 cent remittance, continuously remit more than 1 RMB. At this time, I finally received a message from the recipient: Don't remit the money again. I have already deducted more than 200 RMB. You are an expert! How can we live! Really hate!

Is it true or false? It looks like a Urban Legend (Urban Legend ).

Soon, some people questioned:

RT @ delphij RT: @ arthur369: another person is playing tricks on scammers. However, a common sense mistake is made. The handling fee is deducted from the payer's account, not from the recipient. // A bank in the United States can deduct a 15-knife service fee from the account of the other party at a time, but it seems that it also collects the money.

Then someone replied:

... Select "payer's payment service fee" for remittance. The minimum fee is 2 RMB per payment.

 

Is that true?

1,

From "the recipient sends a message: Don't send the money again, you have already deducted more than 200", you will know that this push is just a deduction. I am sending spam messages and know which mobile phone number your bank account corresponds? Are you a public wireless company ?!

2,

Transfers between domestic banks (including online banking) do not have the option of "paybytraffic.

Multinational remittance has this option:

For example, China Merchants Bank stipulates:

"Remittance to an overseas bank account: (1) if the charge is"Common SHA"Method: handling fee0.1%, Minimum RMB100Yuan, maximum1000RMB... If the charge is"Beneficiary BEN"Method: convert to the corresponding foreign currency based on the current day's exchange rate and deduct it from the remittance principal. In the event of remittance return, the service fee will not be refunded. "

(Common SHA: indicates that the remittance fee will be borne by you and the recipient. You will bear the remittance fee of the Bank, and the unexpected fee of the bank will be borne by the recipient .)

3,

For domestic transfers, the bank rules are:

If you transfer funds at the counter, fees will be deducted from the payer's account;

For ATM transfers in cash, the service fee is deducted from the remittance amount, that is, the recipient actually cannot receive so much money. However, it seems that the Agricultural Bank has claimed to deduct the fee from the payer's account, however, this is a very obvious vulnerability. What should I do if the amount of the recipient's account is 0.0 Yuan and the service fee cannot be deducted? Therefore, it should be deducted from the remittance amount. If the remittance amount is less than the handling fee, the transfer fails.

4,

Postal Savings remittance supports the payment of service fees by the recipient:

Transfer cash to your accountService fee optionsDeducted from the transferred accountOr the transfer applicant pays cash. Currently, the account-to-account transfer service fee can only be deducted from the transfer-out account.

That is to say,If you use cash to transfer money through postal savings, you can choose to pay the service charge by the recipient.

 

Summary:

In mainland China, this "payer's payment service fee" Fool Fraud Law should only occur when transfers are made by individual financial organizations (such as postal savings banks), but must be transferred to the account in cash. Of course, it does not rule out the possibility of bank staff using internal rules.

 

Update 21: 07:

The author cited in this article explains: "I usually useBank of China Online BankingWhen transferring funds, you can "pay the service fee by the payer", but the amount must be higher than the minimum service fee. Therefore, I think this bank employee should use its internal system vulnerabilities to tease scammers ." (For protection purposes, the source link and author name are not provided here)

That is to say, the Bank of Communications's online bank can provide this option, but when the transfer amount is less than the minimum service fee, only internal bank staff can use the vulnerability to forcibly transfer and deduct the service fee.

 

Zheng Yu, Beijing

Reference resources:

1. Push the magic law.