What does it mean for ICBC's driver's license, credit card and SMS to stop non-counter business?

Non-over-the-counter business deactivation refers to an account with no credit card transaction record within 6 months. For the sake of user account security, the banking system restricts off-counter transactions of credit cards, such as atm withdrawal, shopping mall credit card swiping and online payment.

According to the Notice of the People's Bank of China on Strengthening the Management of Payment and Settlement to Prevent New Crimes in Telecommunication Networks, the account management rules of commercial banks will be adjusted accordingly from 65438+February 1.

For accounts with no transaction records within 6 months from the date of opening an account with ICBC to the next day, the bank will suspend its non-counter business in accordance with the provisions notified by the People's Bank of China. After re-verifying the identity, it can resume its business. Therefore, cardholders need to bring their ID cards and credit cards to the counter outlets for activation.

Extended data:

Suspension of non-trading account non-counter business for 6 months.

According to the public security organs, some accounts will not be activated immediately after criminals buy a large number of accounts and open fake accounts. Under normal circumstances, individuals will be activated immediately after opening an account, and long-term non-use of the account should be highly concerned as an abnormal situation.

The notice also stipulates that for accounts with no transaction records within 6 months from the date of opening an account, banks should suspend counter business and payment institutions should suspend all business until units and individuals re-verify their identities with banks and payment institutions.

The telephone number of personal account must correspond to the ID card.

At present, with the use of SMS verification code, SMS balance reminder and important notice, mobile phones have become an important means for banks and payment institutions to verify personal identity and protect the safety of personal funds. Generally speaking, a mobile phone number is used by one person and should correspond to the account of the same person.

In order to prevent criminals from manipulating multiple criminal accounts by using the same mobile phone number, the Notice requires banks and payment institutions to establish a one-to-one correspondence between account reserved contact phone numbers and personal identity document numbers, and investigate and deal with the situation that one contact phone number corresponds to multiple identity document numbers.

In view of the situation that the same phone corresponds to multiple accounts, banks and payment institutions need to confirm with the parties. If its rationality cannot be proved, the non-counter business of the relevant bank account and all business of the payment account shall be suspended.

Banks and payment institutions can refuse suspicious account opening.

"According to the situation reflected by the public security organs and banks, criminals pretend to be others or fictional agency relationships to open accounts, which has certain characteristics and laws. If the bank staff strictly control it, it can effectively identify and intercept it to a certain extent.

The current system does not stipulate that banks can refuse to open accounts for individuals. For some suspicious situations, banks and payment institutions often open accounts to reduce the complaint rate. "The relevant person in charge of the People's Bank of China told the reporter that in order to avoid this problem, the Notice made it clear that banks and payment institutions can refuse to open accounts under specified abnormal circumstances.

In order to prevent banks and payment institutions from refusing to open an account without authorization and infringing on consumers' rights and interests, the Notice strictly restricts the circumstances in which they can refuse to open an account, mainly including refusing to show proof documents to banks when the identity of units and individuals is in doubt, organizing others to open an account, and having obvious reasons to suspect that opening an account is used for illegal and criminal activities.

Banks that have no transactions within six months of opening an account will suspend their non-counter business-Phoenix. com