ATM转账将实现可撤销\/Cancellation Allowed in Transferring Accounts on ATM

Beijing Today 2021-04-03 16:40:47


By Karena Hu

The People’s Bank of China recently announced that a cancelation on transferring accounts will be permitted since December 1. This act is to strengthen payment management for Internet fraud prevention.

It is said the cancellation decision originates from a notice from The People’s Bank of China. The notice also provide tightened measure on bank accounts’ management and authenticity.

日前,中国人民银行发布《关于加强支付结算管理防范电信网络新型违法犯罪有关事项的通知》(以下简称《通知》),全面加强账户实名制管理、银行卡业务管理和转账管理。明确自2016年12月1日起,个人通过自助柜员机转账的,在发卡行受理后24小时内,可向发卡行申请撤销转账。

The notice stipulates that from December 1, a citizen could only open one full-authorization account for money withdrawal and account transfer. A customer could open account with lower authorization if wishing opening more than one account at one bank. The low-authorization bank account covers some function to the high-authorization account like online payment and financing.

为有效遏制买卖账户和假冒开户的行为,全面推进账户实名制管理,《通知》明确规定,自2016年12月1日起,银行业金融机构为个人开立银行结算账户的,同一个人在同一家银行只能开立一个Ⅰ类户,已开立Ⅰ类户,再新开户的,应当开立Ⅱ类户或Ⅲ类户。此举旨在保护资金安全。

Meanwhile, the notice announced in-bank account between different cities will not charge fee in the first three month after the announcement released.

同时,为降低居民转账成本,《通知》明确,银行对本银行行内异地存取现、转账等业务,收取异地手续费的,应当自本通知发布之日起三个月内实现免费。

The spokesman from People’s Bank of China explained that since they found a high percentage of fraud conducted through account transfer between personal accounts, the enforcement on account management becomes highly necessary. In addition, this act helps bank clients to clean unnecessary accounts.

据央行有关负责人解释,在当前电信网络新型违法犯罪活动中,不法分子转移诈骗资金的银行账户和支付账户,主要来源于直接购买个人开立的银行账户,诱骗一些群众出售本人的银行账户和支付账户。对于个人方便管理账户,此举可消除不必要的不常用的账户。

The notice also make clear explanation that bank owns full right to reject an account open when lacking clients’ identity information. Corporates tagged as “dishonest in the national corporate information system will also rejected in setting up an account. Accounts with no transaction record in six months will be temporary froze if the new notice take effect.

该通知同时规定银行和支付机构应当加强账户交易活动监测,对开户之日起6个月内无交易记录的账户,银行应当暂停其非柜面业务,支付机构应当暂停其所有业务,银行和支付机构向单位和个人重新核实身份后,可以恢复其业务。

同时,对于被全国企业信用信息公示系统列入“严重违法失信企业名单”,以及经银行和支付机构核实单位注册地址不存在或者虚构经营场所的单位,银行和支付机构不得为其开户。

Targeting that some frauds asking victims to transfer accounts in English system on ATM, the new notice requires a Chinese vocal hint in ATM’s English system. Key words like “account transfer” or “fund transfer” are also asked for clear Chinese hints. The ATM system itself will also manage to provide fraud alerts to clients in multiple ways.

针对不法分子指导受骗者通过英语界面转账的情形,《通知》指出,银行通过自助柜员机为个人办理转账业务的,应当增加汉语语音提示,并通过文字、标识、弹窗等设置防诈骗提醒;非汉语提示界面应当对资金转出等核心关键字段提供汉语提示,无法提示的,不得提供转账。

The notice set clear rule on POS personal purchase ban on net. Any corporate or individual are prohibited to purchase POS on net. Unauthorized POS will be stopped service immediately. A violation black list is also requested in the notice. Corporates or individuals violate the POS rule are going to confront with harsh scrutiny.

为规范受理终端管理,《通知》明确,任何单位和个人不得在网上买卖POS机(包括MPOS)、刷卡器等受理终端。银行和支付机构应当对全部实体特约商户进行现场检查,逐一核对其受理终端的使用地点。对于违规移机使用、无法确认实际使用地点的受理终端一律停止业务功能。

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