Shell company sold more than 80 POS sets now involved up to 650 million

Through the establishment of shell companies, half a year to apply for more than 80 POS machines, and to each of about 10,000 yuan at the price of other people to sell credit card, involving nearly hundred people, illegal sets of 650 million yuan.　　Recently, Shelingyu, Wang and other 7 people suspected of illegal operation of the crime was transferred to Jiangsu Province Xuzhou Quanshan District procuratorate Review and prosecution. POS machine changed hands to make money trigger "rich" inspiration Wang and Shelingyu are a couple. At the end of 2008, Wang looking for the accounting intermediary company for the Xuzhou wooden Cherry Building materials Wholesale Department of Business license, tax registration certificate, etc., she is the legal representative. At the end of 2008, Wang in the name of wooden cherry building materials Wholesale department to apply to a POS machine. "I didn't think of it. "Wang recalls," I have several credit cards, each card has 6 times a year credit card records can be exempted from the annual fee, the application of this POS machine is their own card. "Wood cherry Building materials Wholesale department has never been normal operation, POS machine hands, Wang had the idea of" go like ": Each credit card has a different credit limit, the credit limit brush out of the set is regularly returned, not only free of interest, and the more brush the faster, the credit limit will be higher.　　Shelingyu and Wang began to use their own bank card cards, with a set of money stocks, business. March 2009, Wang will this POS machine to the sister in Xiamen Wang Hui, and told her to use POS machine to help people can now properly charge "handling fees." At that time Wang did not work, is trying to earn some money to supplement the family, readily accepted, but because it does not want to take advantage, gave Wang 5000 yuan.　　After the crime was found, the POS machine in 8 months time of the card is more than 5.6 million yuan. Wang, Shelingyu holding 5000 yuan to think: "Sell POS machine than the credit card to cash quickly!" "Two people decided to apply for POS machine to sell a lot of money, and made a clear division of labor: Wang is responsible for applying for POS machine, Shelingyu is responsible for contacting buyers. Shelingyu immediately in the Nanjing newspaper, the network published ads, looking for buyers.　　Have customers and Shelingyu contact, Shelingyu first with its talk about prices, the general transaction price of 7000 yuan to 14,000 yuan, the buyer to pay the deposit, the identity card to the Shelingyu, you can wait for good news. What is the procedure of applying for POS machine using the identity information of buyer? The banks of Jiangsu Province and China UnionPay Co., Ltd. Jiangsu Branch (Jiangsu UnionPay) have the right to approve the distribution of POS machine, for how to apply for a clear provision: the first by the enterprises, companies, or self-employed households holding business license, tax registration certificate, legal representative or individual operator ID card to the relevant departments to submit applications, In addition to examining the authenticity of the above documents, the Review unit shall also verify the applicant's public and online bank accounts in the bank and investigate the actual place of business of the applicant in the field.　　After all the verification, the Inspection Department will report the verification results to Jiangsu Provincial branch or Jiangsu UnionPay, after approval, can issue POS machine. In Xuzhou, can accept the application of POS machine units in addition to the bank branches, there are Xuzhou card joint business Company (referred to as the card company). This company is the receiving agency of Jiangsu UnionPay,The only business is to issue POS machines and to be responsible for the maintenance and maintenance of POS machines. Application of POS machine procedures so complicated, Wang is how to apply to more than 80 pos machine?　　"The rule is dead, and the man is Alive," smart "Wang with the identity of the buyer to purchase forged property rights, housing leasing agreements and other instruments, cheat individual business license, tax registration certificate, company seal and Financial chapter, and then take these documents to the Bank for public accounts, and then to Xuzhou Card company to apply for POS machine. "The company's salesman is relying on the number of card issuers to take a commission, the review will not be particularly stringent." Wang said she was just looking at this point, before choosing to apply for a POS machine in the card company. The card company salesman is only a written examination of the required documents, rarely to the business site site visits. Sometimes you can just take a picture of a shop or a façade. After such a simple audit, after the approval of Jiangsu UnionPay, and then pay a deposit of 1000 yuan to 3000 yuan, a POS machine on hand. Wang gave it to Shelingyu, which was handed over to the buyer. Shelingyu is also responsible for the use of the church in the face of clients not operating.　　If the POS machine fails, Shelingyu is also responsible for sending it to the card company for maintenance. "Service" so thoughtful, Shelingyu in the circle of "Word-of-mouth" more and more good, buyers are more and more. As the "business" volume increased, Wang should frequently apply for POS machines. In order not to arouse the suspicion of the company, she posing as an accountant intermediary company's staff, help others to apply for POS machine, and sometimes spend 50 yuan to hire people to send material to the card joint company.　　In this way, a short six months Wang from the company to apply to more than 80 pos machines. More than 80 POS machine illegal set now 650 million June 2009, Xuzhou a gongshangsuo found that Wang in the business license for self-employed, many times to provide false information, and then to their rental domicile for inspection, found a large number of official seal, business License, tax registration certificate, identity card, housing property rights certificate, Some bank transfer vouchers and a POS machine. June 17, the local public security organs to Wang, Shelingyu file investigation.　　After investigation, Wang from the end of 2009 to the murder of a total of more than 80 POS machine, Shelingyu resell it to others to profit more than 200,000 yuan. So where do these pos machines flow? According to Shelingyu confessed, these POS machines were sold to Nanjing, Xiamen, Suzhou, Ningbo and other land buyers. Police further investigation found that the purchase of intermediaries, bank employees, unemployed personnel and other people, the main purpose of their purchase of POS machine is illegal cash. POS machine hand, they mostly rented an office in the bustling area, through advertising, texting, business card marketing, and so on, play "So-and-so Quick" sign.　　Someone "admiring", they put the customer credit card in the POS machine, credit card issuing bank will deduct the corresponding amount from the cardholder's account, the paragraph will be entered into the opening of the merchant's bank, the equivalent of the POS machine by swiping the goods sold to their own sleeve now. Suspect Daiju Narita is a published printing material in JiangsuEmployees of the company to set up the business Department of luggage from the Shelingyu to purchase a POS machine. According to his introduction, customers to credit card, he will pay cash on the spot, the handling fees are mostly in accordance with the amount of 0.5% to 1% charge.　　Every day a POS machine can be tens of thousands of yuan, or even hundreds of thousands of Yuan card.　　According to the investigation, Wang applied to more than 80 POS machines, suspected of a set of 650 million yuan, for the current country's largest illegal operation of the bank card case. Credit card is a criminal offence. In the course of the review, prosecutors found that 7 of the people involved did not know what they were doing was a criminal activity.　　Wang Hui, she asked Wang this is illegal, Wang said no law is illegal, should not be illegal but illegal. The people involved Daiju Narita: "I see many people do this, and listen to people say not to sin, before starting to do this business." "The person involved Wang Qinglin is a Nanjing housing leasing replacement company manager, he said:" When I was an advertising company, consulted a lawyer, the lawyer said that the credit card is only a violation of the use of UnionPay POS machine rules. In the past, the media have reported that lawyers and police have said that credit card fraud is not a good definition of illegal. "The people involved in Gu Lei and Tao Bin is high school classmate, Gu Lei has been idle in the community, heard to use POS machine with money quickly, and in Nanjing, a bank to work Tao Bin consultation, get Taiwan earn" extra income. "Tao Bin is in the bank to work, I asked him, he said it is not illegal, just drill the policy loophole, I believe."　　Gu Lei did not think Tao Bin also don't understand the law. According to the case prosecutors, for this illegal behavior, the investigation agencies have indeed been suffering from the lack of legal basis for the implementation of the act in the back of the current people and the card holders powerless. The banking sector can only be used to collect POS machines and stop trading and other soft penalties, lack of effective means.　　As the cost of illegal is close to 0, illegal sets are becoming increasingly rampant. December 16, 2009, the Supreme People's Court, the Supreme People's Procuratorate on the handling of criminal cases against credit card management of the specific application of the law on a number of issues, the introduction of a clear provision for the use of Point-of-Sale terminals (POS) and other methods, such as fictitious transactions to credit card holders directly pay cash, serious,　　Guilty of a crime of unlawful operation. After investigation, 5 POS machine after the main purchase of the credit card behavior, has constituted the crime of illegal operation; Shelingyu, Wang Yan know others buy POS machine for false transactions to cash, but also to provide criminal tools, and after-sales service, should be illegal business crime accomplice.　　And these 7 people illegally set up the amount of more than 5 million yuan, belong to the plot is particularly serious. Profitable is a breeding ground for illegal cases prosecutors found that some unscrupulous merchants use POS machines for others credit card, from which to seek illegal benefits, has been from the evasive to the semi-open, industrialized development. "Credit card is now a common phenomenon, newspapers, the Internet, many of these ads." According to Shelingyu, these people are hiding in office space, playing "wealth management company","Financial services Companies", "electronic firms" and other signboards to do the business, and some mobile phone stores, computer stores, while doing business in the meantime to do credit card cash business. I entered the "Rental pos machine" in Baidu, 0.133 seconds to jump out of 1.2 million search results. Most agents of the POS machine, said, when handling does not require a façade or business license and other documents, only the buyer to provide the original ID card and an inch of photos, and pay about 10,000 of the purchase fee, it can easily handle a POS machine.　　One of the POS intermediary claims that, as long as the payment agent fees, the rest of the material by the intermediary responsible for each price from 6000 to 10,000 yuan range. This phenomenon is directly related to the pursuit of profit by financial institutions, an industry analyst said. Illegal and financial institutions have the common interests, whether it is consumption or cash, as long as cardholders swipe cards, financial institutions have fees income. Different industries, the fees charged by the merchant also differ: the retail and real estate industry charge 1% of the handling fee, 50 yuan ceiling, public sector industries, such as hospitals, schools, funerals charge 1% to 3% of the fees. and 1% of the fees, the card issuing bank to take 70%, the issuing POS machine to take 20%, Jiangsu UnionPay take 10%.　　If the cardholder cannot repay in full during the interest-free period, it is necessary to pay high overdraft interest to the bank, the bank is profitable, will open one eye to the broker. In the process of reviewing the case, prosecutors found that in addition to the lax inspection of POS machines, the financial sector also has inadequate supervision of the use of POS machines. According to Jiangsu UnionPay, each company applies to the POS machine must be used in the actual location. But the outflow from Xuzhou more than 80 pos machines in Nanjing, Shenyang, Xiamen and other large use. In addition, many "operators" openly in the media to "fast-current" mode of advertising, or provincial, state-level media.　　This exposes the media advertisement publisher legal consciousness and the responsibility consciousness is weak, did not strictly carry out the advertisement "three examination" the system.　　Multi-party joint effort to prevent and suppress the crime of POS machine in order to deal with the loopholes in the process of issuing and supervising POS machines, the Deputy Attorney-general of Quanshan District Procuratorate Lu Qing led the prosecutors to investigate and analyze the case risk, and put forward five preventive suggestions. First, strictly standardize the establishment of POS machine procedures. The bank shall, before opening a POS business for a special merchant, request the industry and commerce, the tax department to issue proof materials for the applicant's establishment, operation status and tax status, and develop the reputable merchant as a special merchant.　　Industry and commerce, the tax department should strengthen to the merchant's audit and the operation condition supervision, the management, discovers does not have the business activity "the shell company", cancels its operation qualification in time. The second is to establish the restrictive mechanism of credit card issuance. In the past, the issuing banks have neglected to examine the credit-card-holders ' creditworthiness, in the card-issuing business, individual banks to the group to take the bulk of the card, do not make any individual customer card recognition requirements, some banks to the same cardholder repeatedly run card lack of restraint mechanism, do not limit the number of cards, resulting in cardholder "credit loss”。　　Therefore, the issuing bank should strengthen the examination of the credit ability of the applicant's work unit, property and income. Third, to increase the special merchants and POS machine supervision. After the merchant opened the POS business, banks to the suspicious transaction information to be strictly monitored, early detection, early detection, early warning, if necessary, can use the unconventional means of first refusal, the regular investigation of the actual operation of each of the special merchants, the timely confirmation of the sale of the listed merchants blacklisted; POS Machine Transaction Total set trade cordon, once triggered cordon immediately focus on monitoring.　　At the same time, the dealer's POS transaction total and the tax situation of matching analysis, if the total number of POS transactions and tax situation is seriously inconsistent, immediately focus on monitoring and verification. Four is to establish the effective prevention and control credit card risk cooperation platform: establishes the information periodical notification system, the credit card risk assessment mechanism and the regular liaison system. UnionPay timely comb The commercial banks submitted malicious overdraft, suspected cases and other relevant credit card reporting information, and transfer to the public security departments, the establishment of banking institutions and public security organs of communication and coordination channels; industry and commerce, tax to strengthen the business situation and tax control, timely to pay UnionPay, the judiciary to inform the information. Financial institutions to deal with the risks of the group card, one person, multiple cards, POS machine off-site use, such as the focus of inspection, urging the relevant units to standardize business processes, strict risk management, the corrective measures are not in place to carry out risk assessment, will assess the situation in time to inform the public security organs.　　Industry and commerce, taxation, banking and judicial departments regularly convene joint meetings, timely grasp of all types of credit card crime cases of the latest developments, the formation of prevention and fight the resultant force. Five is to strengthen the pertinence of propaganda and education. In the media to set up a law-popularization column, publicity of financial sector laws and regulations, combined with credit card fraud and crime and other typical cases, in order to explain the law, efforts to create a good atmosphere knowing law-abiding. (The illustrations in the text are all information pictures)