Bank employees with fake card brush 540,000 Bank issued POS machine not strict

The party's own insider, the loss from the insurance to pay no one to report the bank has no loss and can receive fees rarely reported to open a bag company to apply for POS machine, after holding foreign forged bank card wantonly card.　　In a bank card department staff of the "guidance" and "insider", a nightclub manager Xu stolen a bank card a total of more than 540,000 yuan. When he was caught, he did not expect to have this day.　　Because the use of foreign fake card is very small risk, he worked in the bank for more than 10 years, the bank did not once alarm.　　Get acquainted with people who shovel things into friends The bank staff was dragged down. A bank in Beijing branch of the bank card Department staff, is responsible for the approval of merchants to apply for POS machines and check the use of POS machines. 2007, a bank found that a nightclub suspected of brushing foreign fake cards, so that the suspect amount of frozen.　　In order to solve this matter, a nightclub manager Xu MoU through acquaintances find a intercede. According to the saying of Ji, "Xu is very generous, often please me all kinds of consumption."　　Finally, not only the suspicious amount was unfrozen, verification, Xu and Kat also became friends. After more than a year of intercourse, Xu MoU as his own person. She told him that she wanted to get a POS machine, and that the credit card was a profit from it. If Jill promised to help, she would like to give a 10% commission. "Always eat and drink Xu MoU, the refusal is not very suitable, wipe not face." "Out of this psychology," said Jill.　　Since then, Xu gave him two cards for the application of POS machine.　　Card set now guide Cousin Application pos Account details to prevent the end of 2008, Kat find Cousin Yin MoU to discuss this matter, and Xu gave two ID card to Yin.　　Under the instigation of a certain, Yin in the name of others applied for Beijing Austrian wind wing Shun trade Center, such as 3 companies, open accounts and apply for POS machines. Before the application, the whole examination and approval procedures, the required materials and bank review of the key to tell the cousin Yin.　　At the same time, Kyrgyzstan also confessed to Yin MoU need to pay attention to some details, such as someone called to verify, must be able to answer the phone at any time. At the beginning of 2009, Yin applied for two POS machines, one of which was given to Xu. The other one stays in Jim's hand.　　According to the words of Kat, if the illegal operation of the POS machine is very likely to be deactivated, and then run two to use up a backup, more convenient.　　Later, Xu found a familiar with the black car female driver, many times to her home using a fixed telephone connection pos machine, credit card sleeve now. Use foreign fake card "trade" let wife take money to charge a hat according to Yin MoU, his cousin told him, Xu had to get foreign bank false card channel, but no POS machine, so and they "cooperation." The so-called "channel" is a criminal organization that specializes in counterfeiting bank cards in Singapore.　　Xu said, 60% sets of cash to return to Singapore. After a period of time, the card "transaction" of money into the business company's account.　　Xu MoU notice to take the present. In the bank is not allowed to carry out a large amount of the case, the Kyrgyz made some other bank card, hisThe money is transferred to the card through the online bank and then taken out. Every time you take it, Xu is the amount you need.　　In charge of going to the bank, except Yin, and his wife Zhang. At that time Yin cheated his wife Zhang said that they are helping friends to withdraw money.　　However, he asked his wife to go to different ATMs every time, to take money must wear a hat.　　Although suspicious, but the education is not high Zhang MoU still didn't think much, as husband said to do. From June 9, 2009 to 11th, Xu has more than 540,000 yuan credit card.　　The money, Kyrgyzstan and his cousin Yin a person to the point of about 50,000 yuan. Surrendered to be sentenced to deal with foreign card trading 540,000 yuan a bank immediately to report to let Ji had no idea is, 2009 June, a bank will carry out risk screening for small and medium businesses.　　In the investigation of the bank found that Beijing Austrian wind wing Shun Trade Center transactions are abnormal.　　The bank found that February 20, 2009, the Business Center installed a POS machine after a long period of no transactions, but in early June, a large number of foreign card trading, and trading failure rate of up to 87%. According to statistics, the Trade Center transactions involving 104 cards, trading 272 pens. One of the successful trading card 19, trading 35, involving the amount of more than 540,000 yuan. The issuing bank countries include the United States, Sri Lanka, the United Kingdom, Japan, Denmark, Sweden and Brazil.　　These transactions are not in conformity with the business situation of the business centre.　　In addition, the Bank staff door-to-door investigation found that the business center closed for a long time, there is no operating signs, the office door also posted arrears of rent reminders. June 25, 2009, a bank reported the matter to the Bank card International organization. The organization confirmed that a bank found a counterfeit card transaction.　　Subsequently, a bank reported. The resignation of the staff surrendered three convicted was sentenced to a period of time, Kyrgyzstan has heard a bank investigation of a period card, and then carefully asked, the original suspect is Yin.　　In order to escape the guilt, Jill immediately quit. September 14, 2009, feel sure to avoid the past of the Kyrgyzstan surrendered.　　On the same day, Yin MoU and Xu MoU are also captured.　　After the trial of Tongzhou court that, Xu, Kyrgyzstan, yin an illegal possession for the purpose of using forged credit card to defraud him of personal belongings, the amount is particularly large, its behavior constitutes credit card fraud crime.　　In the end, the Tongzhou court sentenced Xu to a 12-year prison sentence, a fine of 100,000 yuan, a 11-year prison sentence of 6 months, a fine of 90,000 yuan, a prison for 8 years, a fine of 60,000 yuan.　　Insider One Bank LAX application POS machine Easy Yesterday, the reporter interviewed a bank insider. In theory, bank workers should be door-to-door to investigate the actual operating conditions of each application to install a POS company, the bank insiders say.　　However, in practice the bank checks are very loose, because "the work is really too busy." Jill is an old employee of a bank's Beijing branch. 1991 entry to work, long-term in the bank card department responsible for the approval of the business, the POS machine and the use of bank card is very understanding.　　In response to the problem revealed in the case, Kat was interviewed by reporters.　　FW (Legal Evening): Is it easy to apply for a POS in a bank? Jill: It's easy. Banks do not have the energy to verify which companies are not actually operating.　　As long as the formalities are complete, they can be approved.　　FW: After the criminals apply for a POS machine, what means to earn money? Kat: You can open a few more companies, not the actual operation.　　Other people can charge 1% to 2% of the handling fee, or sell or rent a pos machine to earn money. Insider two only need to swipe the bank to charge a fee "domestic banks have no losses, but they still have profits." As long as the card, even counterfeit cards, banks will charge a fee.　　"Banks point out that in the interests of banks, banks are encouraged to swipe the credit card, generally the handling fee is 0.5% to 3%, and the more you brush the profit, the more natural it will be."　　FW: What if the domestic banks found it? Jill: According to the regulations, if the money is found will be frozen.　　But in the absence of offshore banks asking for refunds, and without sufficient evidence to prove to be counterfeit cards, banks will soon thaw.　　Inside three foreigners are damaged there are insurance no one reported the bank did not lose very little initiative to report on the brush forged foreign bank card, this person said "quite a lot, I have heard." He told reporters that to confirm the fake card is still not difficult, the bank can be from the frequency of credit card, credit card amount, etc. to judge. For example, a bank card limit is 10,000 yuan, card users each time with a limit of 10,000 yuan brush, that means there are likely to be problems.　　However, it is very rare for domestic banks to report voluntarily.　　FW: Do you do such things yourself, not afraid of being found by the bank? Jill: I used to think it was a lot of contact, and no one had done it.　　I worked in a bank for more than 10 years, and the bank didn't call the police on this one.　　FW: Why didn't anyone call the police?　　Kat: Because the use of counterfeit cards outside the risk is very small. The person who is being lost is a foreign credit card user. But there are insurance systems abroad in this area, and there are insurance companies in the country to pay, so they will not report.　　No one reported it, so it was not easy to find. The judge said that the company helped people fake transactions regardless of the knowledge involved in the case of Tongzhou Court Criminal division Judge Li Chenghua, the country has now increased the crackdown on crime-related crimes.　　such as Kyrgyzstan, such as the application of POS machine, the intentional use of counterfeit card credit cards, according to the law will be based on credit card fraud treatment.　　In real life, there are more illegal companies to apply for POS machine after not engaged in the actual business, but rely on the help of people to take advantage of credit card. Li Chenghua pointed out that the person who went to the installation of the POS company card was a liar who had a bank card in the name of another person, a liar who forged a bank card, and a thief who stole a bank card and got the password.　　But the company often does not ask the card the source, gives the money to act. Previously, for those who do not know whether the card has criminal behavior of the publicDivision, the law enforcement agencies in the process of dispute.　　Now, according to the latest October 2009 judicial interpretation, in violation of state regulations, the use of POS machines in fictitious transactions, false prices or cash returns to the credit card holders to pay cash directly, the circumstances of serious, should also be convicted of illegal business crime penalty. In other words, these companies will also be held criminally responsible.