When withdrawing money from a bank card, it shows that the account has been identified as involved in the case by the public security agency. What should I do?

Hello, I suggest you check whether your bank card has been degaussed or the account has been frozen, and then go to the bank with your bank card and ID card to see what is going on with your bank account. , it is recommended that you go as soon as possible. After all, it involves cash issues. Once you have it figured out, you can rest assured

According to Document No. 261, it is clearly required that as long as it is identified by the public security agency and included in the telecommunications network new illegal and criminal transaction risk event management platform On the list of "accounts involved", banks and payment institutions will suspend all operations of this account. Up to now, the Hebei Provincial Anti-Fraud Center ***, which is participated by 6 banks including Industry, Agriculture, Bank of China, China Construction, Communications and Postal Savings Bank, has urgently stopped payments and frozen 5,892 accounts involved; China Guangfa Bank has blocked a total of 5,892 accounts at its business outlets throughout last year. There were 2,455 cases of abnormal account opening by fake people and fake certificates.

In 2016, the central bank issued the "Notice on Strengthening Payment and Settlement Management to Prevent New Illegal Crimes in Telecom Networks" (hereinafter referred to as "Circular No. 261") to severely crack down on telecommunications fraud. Document No. 261 clearly requires that from January 1, 2017, as long as it is identified by the public security organs at or above the districted city level and included in the list of "accounts involved" in the telecommunications network's new illegal and criminal transaction risk event management platform, banks and payment institutions will Suspend all operations on this account.

More than a month has passed since this point. How is the implementation status of the bank? In recent interviews, reporters found that many banks have implemented this requirement in advance and achieved certain results. For example, in Hebei, as of December 19 last year, the Hebei Provincial Anti-Fraud Center, which was participated by six banks including Industry, Agriculture, China, China Construction, Communications, and Postal Savings Bank, urgently stopped payments and froze 5,892 accounts involved. The relevant person in charge of China Guangfa Bank also told reporters that throughout last year, the bank's business outlets intercepted 2,455 cases of abnormal account openings such as fake people's fake IDs, identified 954 cases of credit card fraud, and achieved remarkable results in preventing telecommunications fraud.

The implementation of the requirements is carried out in advance

The reporter noticed that in addition to measures such as the control of a first-class account and the 24-hour arrival of ATM transfers, the No. 261 document also carried out the "account involved" Regulatory Controls.

Judging from Document No. 261, for the list of "accounts involved in the case", banks and payment institutions will suspend all business on the account. If the identity of the "account involved" is not verified within 3 days, all bank accounts under the account holder's name will be suspended for non-counter business, and all services for the payment account will be suspended.

The relevant regulations also make it clear that if after verifying the identity, it is clear that the account was opened by someone else under a false name, a statement of agreement to cancel the account must be produced to cancel the account involved. If it is determined that the account is indeed being sold or rented, or it is confirmed that the individual or unit is opening an account by pretending to be someone else's identity, the non-counter business of its bank account and all payment account business will be suspended within 5 years, and no new account will be opened for it within 3 years. At the same time, the information of these offenders will also be released to the public.

Some people in the industry reminded that in the future, when banks are handling account opening business, if they find someone using someone else's identity to open an account, they will directly report the case to the public security agency and hand over the fraudulently used identity document to the public security agency.

It is understood that based on the characteristics of telecommunications fraud crimes, China Guangfa Bank has set up targeted monitoring rules from multiple dimensions such as account opening, customer key information settings, fund transactions, account usage habits, etc., to intercept suspicious fraud in advance. Ensure compliance review of whereabouts and events, and monitor account abnormalities afterwards.

The relevant person in charge of China Guangfa Bank said that the bank has now completed the inspection and control of the bank accounts and payment accounts of criminals, providing customers with a more "green" card-using environment.

Synchronous follow-up of bank reforms

The relevant person in charge of a large bank told reporters that in order to control telecommunications network fraud from the source and protect the property safety of the general public, the bank has started We will comprehensively strengthen customer information protection, strictly implement the real-name management of accounts, and vigorously carry out social publicity to implement relevant task requirements.

Not only that, some banks have also carried out more in-depth transformations. The reporter learned from China Guangfa Bank that the bank plans to complete all 20 renovations of Document No. 261 in three batches, and has successfully completed the first two batches.

It is reported that the first batch of renovations was completed at the end of November 2016.

According to the relevant person in charge of Guangfa Bank, at this stage, Guangfa Bank has completed a first-class account control and implemented system inspection and control of various account opening channels and account opening methods; it has realized ATM transfers arriving within 24 hours, and supporting services through telephone customer service Cancel the process; add the function option of delayed payment in the main customer transfer operation channels; strengthen the monitoring and control of account opening operations throughout the jurisdiction.

The second batch of renovations has been successfully completed. The reporter learned that from January 1, 2017, China Guangfa Bank has officially implemented the exemption of fees related to deposits and redemptions for cash withdrawals and transfer transactions in other places; it has completed the relevant control and verification functions of the accounts involved in the case, including all accounts and trading accounts under its name etc.; realize the function of canceling fake accounts, opening second-category accounts over the counter, and controlling the transaction limits of second-category accounts; and start the specific implementation of the clean-up of existing accounts and phone numbers.

The above-mentioned relevant person in charge also introduced that for the third batch of transformations, China Guangfa Bank plans to complete the transformation of payment messages in March 2017 to ensure that all transformations in the entire system are completed.

Property security protection has been upgraded

With the gradual implementation of Document No. 261 by most banks, the effectiveness of preventing telecommunications fraud has begun to show. For example, the Hebei Provincial Anti-Fraud Center has recovered nearly 40 million yuan in economic losses for the masses in less than two months. According to statistics from China Guangfa Bank, there were 33 cases in which the bank dissuaded customers with abnormal behavior from transferring money to strangers last year, identified intermediary agents to apply for cards, assisted the police in catching criminals, and forged cards for fraud in 32 cases. Effectively protect customer rights and interests.

“Through analysis of current fraud cases, we have found that many telecommunications fraud funds are involved or eventually transferred to suspicious accounts. Document No. 261 targets the crux of telecommunications fraud, and its introduction will be effective Combating telecommunications fraud," said a security expert from China Guangfa Bank.

In Shaanxi, the Agricultural Bank of China uses its branches as a base and carries out on-site publicity through micro salons and other forms to popularize knowledge on fraud prevention and safe card use to the masses, reminding customers to protect their personal privacy and not to trust strangers’ phone calls or SMS, beware of telecom fraud traps. Some banks in Jinan actively promote knowledge on preventing telecom network fraud by pushing information through WeChat public accounts.

In order to protect the safety of customers’ property, Guangfa Bank also provides safer account protection. It is understood that Guangfa Bank not only supports customers to designate safe mobile phone numbers, set daily transaction limits and flexibly adjust them at any time as needed, apply for Key orders to prevent others from operating their accounts, but also provides rigorous abnormal account behavior detection and real-time communication The public security organs protect accounts from suspected persons of theft, fraud, and crime. If the customer does not know the situation of the counterparty, China Guangfa Bank can check and provide funds for the customer