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A bank card (hereinafter referred to as the card) is the property of the issuing bank that issued it and can be used to purchase goods, receive services or withdraw cash only by the legal cardholder. His name is indicated on the front of the card, and a sample signature is on the signature panel, and the details of the identity document presented by him must match the data on the card.
The card cannot be transferred by its legal holder for use to a third party under any circumstances.
An illegal operation with a card means: the use or attempt to use a card in a false name, a counterfeit card or a forgery of the card itself, the use of fraudulent forms of Accounts and Accounts of a different Company, applying additional symbols / records to the imprint from the card - falsification of the Account, use instead of a card clean plastic with data stamped on it or encoded on a magnetic stripe from a genuine card (so-called "white plastic"), entering the code not received at the Authorization Center into the Account, as well as illegal use of the card by its legal holder.
When accepting cards, follow these rules to ensure your financial security:
1. Check the card expiration date;
2. Make sure that the card meets international standards and its use is not limited to one country or region indicated on the card (for example, "Valid only in ...").
3. Make sure the card is not damaged.
4. Check if there are any signs of a forgery of the card;
5. Check the signature on the signature panel - without a signature, the card will not be accepted for service.
6. Make sure that the signature on the Account matches the sample signature on the card;
7. Make sure that the data on the Account coincide with the data of the presented card - possibly, their discrepancy in case of counterfeiting the magnetic stripe of the card.
I. The main signs of counterfeit VISA and EUROCARD / MASTERCARD cards, which are most often found in Russia at the present time and methods of their detection:
1. Hologram (VOLUME IMAGE). On fake “holograms”, the image can shimmer with all the colors of the rainbow, but there is no VOLUME of the image. The background of the real hologram is clear, the images are easily distinguishable and detailed. The background of the fake “hologram” is dim and the image is not clear. A counterfeit EURO "hologram" often flakes off (“bubble”) when the face is pressed and the card is bent in the "hologram" area. The foil with the image of the fake "hologram" is lifted with a fingernail. A real hologram does not bubble when the card is bent, does not bulge and cannot be damaged when trying to remove it from the plastic with a fingernail.
2. Panel for signature. Instead of a signature panel, a strip of white paper is glued. The edges of the signature panel are easily ripped off. On the panel, in some cases, the background is missing or erased in the form of a three-color inscription "Mastercard" (EURO cards), blue or three-color "Visa" (VISA cards).
3. Lamination. On the front side of the card (sometimes on the back side), a transparent adhesive film - a laminate - can be applied. Laminating film peels off at the edges of the card, and sometimes does not adhere tightly to the plastic in the area of the fake "hologram" and embossing.
4. BIN of the issuing bank. The first four digits of the account (card) number, duplicated with paint (usually black) can be erased from the card. The BIN cannot be erased on a real card.
5. Logo. The Visa logo differs in color from the standard one and is erased from the card.
6. Micro printing. The micro print around the Visa logo is practically unreadable and can be easily erased from the card.
7. Stylized symbols. The "V" or "MC" symbols are crude and different from the standard ones.
8. Ultraviolet symbols. In ultraviolet light, maps may not show a flying pigeon for Visa or the letters "MC" for EURO. Some forgeries have these symbols, but they are indistinct and blurred, and the card itself glows, which should not be.
9. Magnetic stripe. Magnetic stripe data does not match embossing.
10. The edge of the card is dark, not white.
II. Authorization.
For security reasons, the cashier must first of all carry out electronic authorization through the existing POS v terminal. If a refusal to make a purchase is received, the message "REFUSAL, N" will appear on the screen of the POS v terminal (where N corresponds to the refusal code, is technical information for processing) - do not perform voice authorization, do not service the card. The cardholder should be offered to contact the issuing bank.
Voice authorization can be carried out only if there is no connection with the processing center (on the screen of the POS v terminal, the message "Configuration error" or "Connection error" appears).
III. Features of the behavior of the bearers of the cards, which should cause the alertness of the cashier.
1. Slow, uncertain signing of the slip / check of the POS terminal;
2. Unnatural, nervous behavior, excessive talkativeness, attempts to speed up the transaction.
3. Inconsistency of the appearance and surname of the holder indicated on the card (for example, if a person with European appearance presents a card addressed to a citizen of one of the countries of Southeast Asia or Latin America).
4. The card comes out of the pocket, not out of the wallet.
5. The desire to buy everything indiscriminately, any size, etc.
6. The desire to independently deliver home large goods (computer, refrigerator, etc.), despite the service offered by the company to deliver goods to your home.
IV. The actions of the cashier in case of doubts about the authenticity of the card or that the card was presented by a legal holder.
1. Establish the identity of the bearer of the card by asking for identification documents; identify the photo in the document with the identity of the bearer of the card and make sure that there are no signs of photo exchange (re-pasted photo) in the document.
2. Record the data of the document on the Account or make a copy of the document.
If there is any doubt about the legality of using the presented card and at the same time there is no certainty about this, you should refuse to service the card, offer to pay with another card or in cash.
V. Actions of the cashier in case of detecting a counterfeit card or an illegal holder.
When establishing the fact of using a card in someone else's name or a counterfeit card, or when receiving an authorization command "withdraw the card", you must:
1. Make out the slip.
2. Give the bearer a signature on it.
3. Ask to show a passport or other identity document and write down its details on the slip.
4. If necessary, a conditional signal can be used when requesting authorization v CODE 10. The authorization officer himself will inform and call the representatives of the police to the Enterprise.
Take measures to arrest the fraudster with the help of your company's security personnel.
Call the employees of the local police station by phone 02;
5. Draw up a protocol of detention (if the police officer intends to take with him the seized card and the drawn slip as material evidence - draw up on the spot an official protocol of the seizure of these documents);
6. Record the details of the employee who arrived for detention, as well as his position and work phone;
7. Inform the police officer that the 7th Department of the Office for Combating Economic Crimes of the Main Internal Affairs Directorate will be immediately notified of an attempt to use the card illegally;
8. Report the incident to the Directorate of Economic Crimes of the Central Internal Affairs Directorate and the Security Service of the Bank v on working days;
9. Draw up an accompanying note, in which it is necessary to indicate where and by whom the card was seized, the card number, its validity period, as well as the name and surname of the holder;
10. Within three working days, send the withdrawn card to the Bank together with an accompanying note.
Vi. On what grounds can the card be withdrawn from the holder:
1. Presence of obvious signs of card forgery (see Signs of counterfeit cards);
2. Counterfeiting the magnetic stripe (inconsistency between the data from the magnetic stripe and the data embossed on the card).
3. Presentation by a person of a card in someone else's name (discrepancy between the signature of the person who presented the card, the sample of the signature of the legal holder on the back of the card and / or discrepancy between the data of the identity documents and the data on the card).
4. Receiving the command from the Authorization Center: "Withdraw card".
5. The card has serious damage (broken, cut, ironed and its print on the bill is not readable).
Vi. What documents can be accepted by cashiers as identity documents.
The identity of a Russian citizen is established by a general civil passport (fake passports are usually presented with fake cards); a serviceman - with an officer's identity card or military ID.
The identity of a foreigner can be established by the national passport, accreditation card of a diplomat, journalist, businessman.
In all cases when you ask for a document, write down the details of the document on the Account.
Vii. What actions with slips are strictly prohibited:
1. Double rolling.
2. Making changes to the remaining two copies of the slip.
3. Using "white plastic" for making a slip.
4. Transfer of slip blanks to unauthorized persons.
VIII. Features of card processing when working with a POS terminal:
It is imperative to compare the number embossed on the card with the number on the check.
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ATTENTION! The withdrawn or found card must be returned to the Bank within three days for the subsequent return of the card to its owner - the issuing bank.
The Bank guarantees a REWARD for withdrawal from illegal circulation of the card.
The card cannot be transferred by its legal holder for use to a third party under any circumstances.
An illegal operation with a card means: the use or attempt to use a card in a false name, a counterfeit card or a forgery of the card itself, the use of fraudulent forms of Accounts and Accounts of a different Company, applying additional symbols / records to the imprint from the card - falsification of the Account, use instead of a card clean plastic with data stamped on it or encoded on a magnetic stripe from a genuine card (so-called "white plastic"), entering the code not received at the Authorization Center into the Account, as well as illegal use of the card by its legal holder.
When accepting cards, follow these rules to ensure your financial security:
1. Check the card expiration date;
2. Make sure that the card meets international standards and its use is not limited to one country or region indicated on the card (for example, "Valid only in ...").
3. Make sure the card is not damaged.
4. Check if there are any signs of a forgery of the card;
5. Check the signature on the signature panel - without a signature, the card will not be accepted for service.
6. Make sure that the signature on the Account matches the sample signature on the card;
7. Make sure that the data on the Account coincide with the data of the presented card - possibly, their discrepancy in case of counterfeiting the magnetic stripe of the card.
I. The main signs of counterfeit VISA and EUROCARD / MASTERCARD cards, which are most often found in Russia at the present time and methods of their detection:
1. Hologram (VOLUME IMAGE). On fake “holograms”, the image can shimmer with all the colors of the rainbow, but there is no VOLUME of the image. The background of the real hologram is clear, the images are easily distinguishable and detailed. The background of the fake “hologram” is dim and the image is not clear. A counterfeit EURO "hologram" often flakes off (“bubble”) when the face is pressed and the card is bent in the "hologram" area. The foil with the image of the fake "hologram" is lifted with a fingernail. A real hologram does not bubble when the card is bent, does not bulge and cannot be damaged when trying to remove it from the plastic with a fingernail.
2. Panel for signature. Instead of a signature panel, a strip of white paper is glued. The edges of the signature panel are easily ripped off. On the panel, in some cases, the background is missing or erased in the form of a three-color inscription "Mastercard" (EURO cards), blue or three-color "Visa" (VISA cards).
3. Lamination. On the front side of the card (sometimes on the back side), a transparent adhesive film - a laminate - can be applied. Laminating film peels off at the edges of the card, and sometimes does not adhere tightly to the plastic in the area of the fake "hologram" and embossing.
4. BIN of the issuing bank. The first four digits of the account (card) number, duplicated with paint (usually black) can be erased from the card. The BIN cannot be erased on a real card.
5. Logo. The Visa logo differs in color from the standard one and is erased from the card.
6. Micro printing. The micro print around the Visa logo is practically unreadable and can be easily erased from the card.
7. Stylized symbols. The "V" or "MC" symbols are crude and different from the standard ones.
8. Ultraviolet symbols. In ultraviolet light, maps may not show a flying pigeon for Visa or the letters "MC" for EURO. Some forgeries have these symbols, but they are indistinct and blurred, and the card itself glows, which should not be.
9. Magnetic stripe. Magnetic stripe data does not match embossing.
10. The edge of the card is dark, not white.
II. Authorization.
For security reasons, the cashier must first of all carry out electronic authorization through the existing POS v terminal. If a refusal to make a purchase is received, the message "REFUSAL, N" will appear on the screen of the POS v terminal (where N corresponds to the refusal code, is technical information for processing) - do not perform voice authorization, do not service the card. The cardholder should be offered to contact the issuing bank.
Voice authorization can be carried out only if there is no connection with the processing center (on the screen of the POS v terminal, the message "Configuration error" or "Connection error" appears).
III. Features of the behavior of the bearers of the cards, which should cause the alertness of the cashier.
1. Slow, uncertain signing of the slip / check of the POS terminal;
2. Unnatural, nervous behavior, excessive talkativeness, attempts to speed up the transaction.
3. Inconsistency of the appearance and surname of the holder indicated on the card (for example, if a person with European appearance presents a card addressed to a citizen of one of the countries of Southeast Asia or Latin America).
4. The card comes out of the pocket, not out of the wallet.
5. The desire to buy everything indiscriminately, any size, etc.
6. The desire to independently deliver home large goods (computer, refrigerator, etc.), despite the service offered by the company to deliver goods to your home.
IV. The actions of the cashier in case of doubts about the authenticity of the card or that the card was presented by a legal holder.
1. Establish the identity of the bearer of the card by asking for identification documents; identify the photo in the document with the identity of the bearer of the card and make sure that there are no signs of photo exchange (re-pasted photo) in the document.
2. Record the data of the document on the Account or make a copy of the document.
If there is any doubt about the legality of using the presented card and at the same time there is no certainty about this, you should refuse to service the card, offer to pay with another card or in cash.
V. Actions of the cashier in case of detecting a counterfeit card or an illegal holder.
When establishing the fact of using a card in someone else's name or a counterfeit card, or when receiving an authorization command "withdraw the card", you must:
1. Make out the slip.
2. Give the bearer a signature on it.
3. Ask to show a passport or other identity document and write down its details on the slip.
4. If necessary, a conditional signal can be used when requesting authorization v CODE 10. The authorization officer himself will inform and call the representatives of the police to the Enterprise.
Take measures to arrest the fraudster with the help of your company's security personnel.
Call the employees of the local police station by phone 02;
5. Draw up a protocol of detention (if the police officer intends to take with him the seized card and the drawn slip as material evidence - draw up on the spot an official protocol of the seizure of these documents);
6. Record the details of the employee who arrived for detention, as well as his position and work phone;
7. Inform the police officer that the 7th Department of the Office for Combating Economic Crimes of the Main Internal Affairs Directorate will be immediately notified of an attempt to use the card illegally;
8. Report the incident to the Directorate of Economic Crimes of the Central Internal Affairs Directorate and the Security Service of the Bank v on working days;
9. Draw up an accompanying note, in which it is necessary to indicate where and by whom the card was seized, the card number, its validity period, as well as the name and surname of the holder;
10. Within three working days, send the withdrawn card to the Bank together with an accompanying note.
Vi. On what grounds can the card be withdrawn from the holder:
1. Presence of obvious signs of card forgery (see Signs of counterfeit cards);
2. Counterfeiting the magnetic stripe (inconsistency between the data from the magnetic stripe and the data embossed on the card).
3. Presentation by a person of a card in someone else's name (discrepancy between the signature of the person who presented the card, the sample of the signature of the legal holder on the back of the card and / or discrepancy between the data of the identity documents and the data on the card).
4. Receiving the command from the Authorization Center: "Withdraw card".
5. The card has serious damage (broken, cut, ironed and its print on the bill is not readable).
Vi. What documents can be accepted by cashiers as identity documents.
The identity of a Russian citizen is established by a general civil passport (fake passports are usually presented with fake cards); a serviceman - with an officer's identity card or military ID.
The identity of a foreigner can be established by the national passport, accreditation card of a diplomat, journalist, businessman.
In all cases when you ask for a document, write down the details of the document on the Account.
Vii. What actions with slips are strictly prohibited:
1. Double rolling.
2. Making changes to the remaining two copies of the slip.
3. Using "white plastic" for making a slip.
4. Transfer of slip blanks to unauthorized persons.
VIII. Features of card processing when working with a POS terminal:
It is imperative to compare the number embossed on the card with the number on the check.
--------------------------------------------------
ATTENTION! The withdrawn or found card must be returned to the Bank within three days for the subsequent return of the card to its owner - the issuing bank.
The Bank guarantees a REWARD for withdrawal from illegal circulation of the card.
