If you want to make a good business, it is the key to control the cash flow. Businesses are often forced to go to the bank.
Recently, the wholesale and installation business of POS machines in our city is extremely hot. The after-sales salesman "goes forward and succeeds" to sell pos machines to large and small businesses. The POS machine is easy to operate, and after being installed in the merchant's shop, the customer swipes the card to consume, and the merchant does not have to suffer from the round-trip bank.
However, with the increase in the number of POS installations, the credit card withdrawal business that followed the trend gradually brought merchants and consumers into a whirlpool of dishonesty.
From the installation of POS machines to the transfer of skills, to the withdrawal of cash, what kind of interest chain exists? The reporter conducted an investigation and interview.
Phenomenon POS machine market is booming
On April 11th, Dapeng, the person in charge of the wedding company in Longfeng District, had two strange men walking into the house when he was talking about business with the client. The person in front had a notebook-sized machine in his hand.
One of the men first asked who was the boss, and when Dapeng stood up, the man immediately began to sell the machine in his hand.
This is a POS machine. After installing it in a shop, customers can swipe their cards when they have insufficient cash.
The price of installing a POS machine is related to the number of deduction points. The machine with a low deduction point is relatively expensive, and the machine with a high deduction point is cheaper. The so-called deduction point refers to the bank charging fees from it.
Dapeng was a bit tempted by the other party, but he was somewhat worried. The followers are not the bank's staff after all. What should happen if there is a flash in the process of swiping? Dapeng thought about going, and finally "please" the people out.
Just sent the two away, and soon came in a man and a woman, two people claim to be a bank staff, and said that the POS machine they provide is absolutely safe, but can not swipe credit card, can only save the savings card.
In the morning, Dapeng received 3 POS salesmen. Finally, under the recommendation of a friend, Dapeng spent 800 yuan to install a POS machine, the service staff deliberately "emphasize", this machine can swipe credit card cash.
Mr. Cao sells auto parts in a market close to Sa Da Road. Although the store has installed a POS machine, there will be someone selling it every day. The salesperson always withdraws the credit card and uses it as a “light spotâ€.
Sales, installation, cash withdrawal, POS machine dealers have profits, installers can earn "commissions", credit card cashiers, can take large sums of cash, the entire interest chain interlocking.
Tempting to buy a machine with two incomes
On April 16, the reporter saw a distributor of a POS machine near the Qiulin Mall in Saltu District. The other party claimed to be the general agent of all POS machines in the Daqing market. His wholesale POS machines cost 1,700 yuan each, and the first delivery is at least 5 sets. After more than 5 machines, each of them gives the retailer a 500 yuan commission.
The boss told reporters that his home machine was deducted by a ratio of 0.38 to 0.5. The machine that sells, every time after the card is swiped, the retailer has points, and the points reach a certain amount and can be exchanged for cash. In other words, if you sell a machine, you can get two incomes.
Convenient smart POS machine where to brush which
In addition to selling fixed POS machines, there are also merchants selling more advanced mobile POS machines.
In the Great Street of Dongfeng Xincun, the reporter found a POS salesman. The other party sells a new product, plugging the POS machine's cable into the smart phone's earphone hole, and then you can use the mobile phone network to consume.
The price of this kind of machine ranges from 299 yuan to 800 yuan. It is convenient to carry for social occasions. When you are on a business trip, you can't print the bills, but you can write the signature on the smart phone and send it to the mailbox to complete the payment. This kind of machine merchants get a high point of deduction, and retailers can make a profit in the deduction point.
Simple ID card can act as agent
In the subsequent interview, the reporter dialed a phone number from a POS machine agent in Longfeng District, and the other party said that it could wholesale POS machines. The reporter asked what procedures were needed to install the machine. The other party replied: "It's very simple, as long as you have an ID card."
The reporter said that he had concerns about the quality of the machine and thought of a site visit in the store. The other party replied that he did not have a shop, but he guaranteed that the machine was genuine.
The reporter met with the man and soon met him at Longfeng Trade City.
The man said that if he wants to join the sale, he needs to pay a franchise fee of 30,000 yuan. After becoming a franchisee, you can come to him to pick up the goods. It is profitable to sell POS machines. As long as someone comes to swipe the card, the franchisees will have income and enjoy the benefits.
Market POS machine installed market
The POS machine is installed in the market and is expanding day by day. Most of the people who eat this cake are convenient for business dealings, but it is also impossible to exclude a small number of people from illegally operating in order to obtain personal benefits and help others to cash out.
The interview found that many citizens are more convenient to use POS machines, convenient and fast, without cash.
It is understood that the purchase of a store that installs POS machines involves almost the entire service industry. Such as supermarkets, shopping malls, restaurants, etc. Among them, the highest usage rate is the supermarket, and the low usage rate is the hotel. Because the supermarket POS machine pays the lowest card fee, and the catering industry pays the card fee relatively high. Originally, the profits of the hotel were thin. In order to save costs, many hotels refused to install POS machines, and even if they were installed, they were rarely used.
The brain-stricken person sees the installation of the POS machine as an extra money, in order to earn a "benefit fee", to help people maliciously overdraw or withdraw cash. This part of the population is not in the minority.
Unlawful set of existing profits
It is already an open secret to use the POS machine to cash out. And gradually entangled with the so-called interest-free loan business such as "credit card withdrawal", "credit loan", "credit card replacement".
In fact, the so-called interest-free loan method is very simple. Those who are in urgent need of money will find a way to make interest-free loans. If you provide an ID card, someone will help you. The main way is to apply for a credit card and then take cash at the POS machine. From 10,000 yuan to more than ten thousand yuan.
To put it bluntly, use the personal information of the borrower, go to the bank to do a few credit cards, and then swipe the card on the POS machine in the name of buying things. In this way, the money is transferred from the bank to the owner of the POS machine, and the POS owner deducts the “benefit fee†of 1 to 2 points and returns the rest to the borrower. As long as the borrower returns the money to the bank within 50 days, there is no need to repay the interest.
According to the telephone on the roadside advertisement, the reporter contacted a salesman who handled the credit card. The other party first asked the reporter's work and family income. The reporter introduced that he has a car and a room. The other party said that he can apply for a credit card with a credit limit of 30,000 to 50,000 yuan. The card time is half a month. After getting the card, you can withdraw it, but you need to charge 1.5 points and raise 10,000 yuan to charge 150 yuan.
The owner of Longnan, who claimed to have a physical store, told the reporter that because of the strict management of the bank in the recent period, her family can't handle large credit cards now, and can only handle small credit cards. After a period of consumption, the credit line will gradually increase.
As for the deduction point, the other party said that it would charge 200 yuan for 10,000 yuan and 1.5 points for 50,000 yuan.
Bank formal procedures are very strict
From installing a POS machine to a credit card overdraft, there is a complete chain of interest. The reporter learned that almost every bank in the city can handle POS business. But there must be strict approval procedures. At present, many individual personnel on the market, with low prices and low deduction points as bait, have promoted POS machines, which not only confuses the market, but also brings businesses and consumers into the vortex.
How do individual businesses install POS machines? What are the requirements and conditions for installing a POS machine? What are the risks of installing a POS machine by a non-bank individual? What should I pay attention to when installing a POS machine?
With these questions, the reporter interviewed Li Guinan, a staff member of the Bank of Communications Daqing Branch, to learn more about the conditions for installing POS machines and the risks of individual personnel installing POS machines.
Individual merchants applying for POS at Bank of Communications should first have a fixed place of business, and can provide a copy of the business license that has been inspected annually, a tax registration certificate (or other tax payment certificate), an organization code certificate, and an enterprise legal representative (individual industrial and commercial households) The original documents such as ID card, bank account opening permit, etc., have legal business qualifications.
Secondly, the merchants are required to have internal management norms, sound financial systems, good financial status, compliance with relevant banking regulations, and no major illegal or illegal business records in the last two years.
Finally, the merchant POS machine manager must accept the banking organization's acceptance of the bank card business operation training, and the handling personnel can correctly grasp the operational rules for accepting the bank card business, and have the basic communication conditions for engaging in the bank card acquiring business.
Be wary of on-site installation risk
At present, in the gathering area of ​​many industrial and commercial households in the city, there are often some people posing as banks and UnionPay business staff to install POS machines. Most of these people hinted or indicated to the merchants that they would provide low-deduction POS services to merchants by forging or altering the scope of business licenses or by means of POS terminals, and even promised that even if merchants perform credit card cash-out operations, they will not be investigated and Punishment. These acts have violated the "Management Measures for Payment Services of Non-Financial Institutions" issued by the People's Bank of China in June 2010, which is a serious disruption of market behavior.
The People's Bank of China has the right to impose administrative penalties on relevant industrial and commercial households and non-financial payment institutions in accordance with the above-mentioned management measures. If the circumstances are serious, they will be transferred to the judicial authorities for handling. In addition, some industrial and commercial households handle POS machines through non-compliant third-party organizations. There have been cases where the commercial and commercial households have not received the funds after they have swiped the cards, and they have not found a non-compliant organization to handle the business, which has brought unnecessary The case of loss.
Remind the credit card to be cautious
The police and bank staff reminded industrial and commercial households to be vigilant and not to be "fudged" by unscrupulous personnel to avoid loss of their own funds. If you need to apply for a POS machine due to business development, you must go to the formal bank to handle it through legal channels.
Li Chunsheng, a policeman from Longfeng Branch, said that some criminals who publish bank card information are often a trap. Using some of the conditions that do not have the bank credit card application conditions, but hope to pay for a small amount of fees to handle the overdraft card, to deceive the identity information, and then maliciously overdraw their money, so that the victim has a hard life.
In addition to these unscrupulous factors, some banks also have management loopholes in handling and using POS machines. In order to complete the card-setting indicators, individual bank clerk will open a "green light" without seriously approving the authenticity of the relevant documents of the applicant's card. Some merchants holding POS machines have facilitated the criminal suspects in order to make small profits, and also provided convenience for criminals to commit crimes.
Li Chunsheng said that when individual users encounter non-bank staff to install POS at home, they must be extra vigilant and do not give criminals a chance to do so. The financial sector should strengthen supervision of credit card processing and POS use. In particular, some banks should put an end to the act of apportioning credit card issuance tasks, strengthen the qualification review of bidding credit card personnel, and prevent criminals from waiting for opportunities.
Lessons of malicious overdraft to chase criminal responsibility
It is prudent to install POS machines. The ultimate purpose of installing illegal machines by individual unscrupulous merchants is to cash out, and malicious overdrafts, the amount of cash is large, and the criminal law is violated.
Wang Fan, director of Heilongjiang Pengfan Law Firm, described such a case. Song graduated from university in 2012 and took up a job after taking a civil servant. Because his family life is not too wealthy, he has applied for a credit card and the frequency of use is getting higher and higher. In order to delay the repayment, Song handled a number of credit cards, circulated overdraft consumption, and finally owed the bank more than 40,000 yuan for more than a year. After the bank reported the case, Song was sentenced by the court for credit fraud and his work was lost.
Article 196 of the Criminal Law of China stipulates that there are one of the following situations: using fake credit cards, using invalid credit cards, fraudulently using other people's credit cards, malicious overdrafts, credit card fraud activities, large amounts, imprisonment of up to five years or criminal detention And be fined between 20,000 yuan and 200,000 yuan.
Malicious overdraft refers to the behavior of the cardholder for illegal possession, exceeding the prescribed limit or the fixed period, and not returning after the card-issuing bank collects the money.
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