信用卡非法套现

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操控POS机“虚构交易”!7500万元套现案告破,支付机构要注意哪些风险
Bei Jing Shang Bao· 2025-08-17 11:12
Core Viewpoint - The article highlights the crackdown on illegal cash withdrawal activities using POS machines in Shandong Province, revealing a significant case involving 75 million yuan in illicit transactions and the arrest of a key suspect [1][3]. Group 1: Criminal Activities - A criminal gang was using over 30 different brands of POS machines and more than 270 credit cards registered under other people's names to facilitate illegal cash withdrawals [3]. - The suspect, identified as Luo, created fictitious lottery consumption scenarios to convert credit card limits into cash, generating illegal profits [3]. Group 2: Challenges in Detection - Identifying disguised cash withdrawal activities within vast transaction data presents technical challenges, particularly in tracking abnormal behaviors across different institutions and brands [4]. - The difficulty in verifying the authenticity of information during the POS machine application process contributes to the prevalence of such illegal activities [4]. Group 3: Recommendations for Improvement - The industry should enhance the real-name registration and operational authenticity verification for merchants, and establish a shared "blacklist" and risk device database [4]. - A collaborative governance system involving payment institutions, regulatory bodies, and commercial banks is essential for effective management of cash withdrawal issues [5]. - The fundamental solution lies in finding stable profit growth points for offline card-accepting institutions to reduce the demand for cash withdrawals [5].