spartanslots100freespins| New worries for depositors and tellers: Bank card "non-counter" transaction limits are frequently lowered, making it difficult to balance convenient card use with risk prevention and control

21st Century Economic report reporter Bian Wanli intern Guo Congcong reporting from Beijing

"respect.Spartanslots100freespinsCustomers ofSpartanslots100freespinsThere may be risks in your account ending with xxxx. In order to ensure the safety of your funds, you are temporarily unable to handle the non-counter business of our bank. Recently, users complained on personal social platforms and suddenly received this bank text message. The Ⅰ card, which has a daily limit of 500000 yuan and a daily limit of 1 million yuan, has been adjusted by the bank to 1000 yuan a day.

It is not unique when bank cards are suddenly notified of the limit. A reporter from the 21st Century Economic report noticed that many netizens complained on social platforms that the amount of payment for non-over-the-counter channels of bank cards had been reduced. For example, the daily transfer limit of 10,000 yuan was forced to be lowered to 3000 yuan or 1000 yuan, or even to 500 yuan.

Bank staff said that this is because the bank has implemented a hierarchical and classified management system in order to prevent Internet telecommunications fraud and combat money laundering. When the account trading behavior triggers the early warning mechanism of the bank risk control system, individuals' non-over-the-counter channel transactions will be restricted, and individuals can hold valid documents to the bank outlets to lift the restrictions.

The daily limit of "non-counter" of Ⅰ bank cards is reduced frequently.

The so-called "non-counter" transaction refers to the business that is not handled at the bank counter, including but not limited to online banking, mobile banking, gateway payment, fast payment, terminal of sale (POS), self-teller machine (ATM) and so on.

"due to the frequent flow of funds in the account, the bank has lowered the amount of my Ⅰ account," some depositors reported. After contacting the relevant banks, they learned that the reduction in the daily limit of "non-counter" transactions on personal debit cards was marked as an abnormal account by the banking system due to frequent transactions.

A number of banking systems detect the anomalies of depositors' accounts by implanting anti-fraud models and anti-money laundering models into the system. once the bank's anti-fraud and anti-money laundering model risk control is triggered, depositors' debit cards will be marked as abnormal accounts. abnormal accounts will be taken to reduce the "non-counter" quota, "only receive but not pay" and other measures according to the severity.

In such cases, banks only limit the daily quota of "over-the-counter" transactions on depositors' debit cards, and there are no restrictions on over-the-counter transactions. A number of netizens said that receiving the limit notice was too temporary and would inevitably bring unnecessary trouble to daily transactions.

In fact, the reduction of the "non-counter" transaction quota of bank cards is related to the implementation of a hierarchical and classified management system for individual bank accounts. The reporter learned that in recent years, major banks have issued announcements on the classified and hierarchical management system of personal bank settlement account services, in order to prevent network telecommunications fraud and combat money laundering.

For example, last year, the Agricultural Bank of China issued a "notice on lowering the trading limit of some customers' online financial channels." "recently, telecom network fraud has occurred frequently," the notice said. "in order to ensure the safety of customer accounts and funds and implement regulatory regulations, our bank will gradually adjust the transfer limits of some customers' personal online banking and bank-holding banks." Construction Bank Sichuan Branch, Bank of China Tianjin Branch, Postal savings Bank Qingdao Branch, Qingdao Bank and many other banks have issued announcements for the classified and hierarchical management of individual customers'"over-the-counter" transactions.

The major banks have slightly different standards for hierarchical and classified management, often making risk judgments based on the historical use of accounts. When there are accounts with imperfect personal information, accounts with frequent capital transactions and large flows, accounts with less balance in the card, few transactions or even no transactions, it is easier to trigger the early warning of bank risk control. In this regard, banks will take measures, including lowering the "over-the-counter" trading limit and suspending the "over-the-counter" business.

Dilemma: depositors complain about the inconvenience of recovery quota, and tellers say they are under great pressure.

In the face of this situation, the bank staff said that depositors can remove the risk restrictions after verifying their identity, but the process of removing the risk is not convenient.

21 the reporter called the official hotlines of many banks such as Construction Bank, Postal savings Bank and China Merchants Bank as users. The customer service said that in the face of the limit situation of depositors, mobile banking APP application risk relief was not supported for the time being, and depositors should go to the bank outlets to remove the restrictions.

Due to different banks, different regions of the business outlets of the release process is different. Generally speaking, depositors can handle it with valid identity documents and bank cards, but banks in some areas also need to submit proof materials such as household registration books, wages, examination certificates of anti-fraud centers, or fill in offline transfer forms. Depositors may not be able to handle successfully at one time because they do not understand the required information and do not have complete preparation materials, which virtually increases the time cost for depositors to lift risk restrictions, resulting in inconvenience to depositors.

Some depositors complained that all their cards were suspended by the anti-fraud center because they transferred 800 yuan to relatives suspected of fraud, and the bank counter needed an examination certificate from the anti-fraud center before the ban could be lifted.

In this regard, the bank teller also known as "Alexander", on the one hand is the bank supervision mechanism, on the other hand is anxious to restore the quota of customers, bank staff in the middle of the "splint". "now it is the accountability system, who opens the card, who examines, and who is responsible. As long as the card issuer is involved in the case or has problems, the manager will not only be interviewed by the Public Security Bureau, but also suspend the card opening authority of his organization. " A front-line teller said, "you can hear abuse, complaints and threats of card cancellation from customers in the sales room every day."

A teller of a bank in Hebei revealed to reporters, "although there is a misjudgment rate in the model of anti-fraud and anti-money laundering, after staying in the bank for a long time, we will find that the vast majority of cases can accurately lock in the risk behavior." I have seen people who are fast in and out and frequently reverse their debts eventually arrested for fraud. I have seen people who are nearly cheated by brushing to keep their property. I have also seen people who use bank cards to kill pig plates and virtual currencies are eventually arrested. This is all thanks to hierarchical management. "