Teacher
Professional
- Messages
- 2,670
- Reaction score
- 791
- Points
- 113
I. Signs of counterfeit VISA and EUROCARD / MASTERCARD cards.
1. Hologram (VOLUME IMAGE). The background of a real hologram is clear, specular, the details of the image are easily distinguishable. On fake holograms, the image can shimmer with all the colors of the rainbow, but there is no VOLUME. The background of the fake hologram is dim, the image is not clear. A fake hologram often peels off ("bubbles") when the card is pressed and bent in the area of the hologram. Foil with the image of a fake hologram is scratched up with a fingernail. A real hologram does not bubble when the card is folded, does not exaggerate and does not get damaged when you push it off the plastic with your fingernail.
2. Panel for signature. Instead of a signature panel, a strip of white paper is glued. The edges of the signature panels are easy to rip up. On the panel, in some cases, the background in the form of a red-yellow-blue inscription "MasterCard" or a blue-gold "Visa" is missing or erased. The card number and security code are missing on the counterfeit or printed with printing ink (should - by laser method).
3. Lamination. On the front side of the card (sometimes on the back side), a transparent adhesive film - laminate can be applied. The laminating film peels off at the edges of the card, and sometimes loosely adheres to the plastic in the area of the fake hologram and embossing.
4. BIN of the issuing bank. The first four digits of the card number, printed with a contrasting paint, can be erased from the card.
5. Logo. The logo differs in color from the standard one and is erased from the card.
b. Micro printing. Microprinting around the VISA logo is practically unreadable and is erased from the card.
7. Stylized symbols. The "V" or "MC" symbols are rough and different from the standard ones.
8. Ultraviolet symbols. In ultraviolet light on the cards there may be no: the image of a flying pigeon in VISA or the letters "M" and "C" in EURO. Some forgeries have these symbols, but they are indistinct and blurred, and the card itself is also glowing, which should not be.
9. Magnetic stripe. Cannot be read, or the data from the magnetic stripe does not match the data printed on the front side of the card.
10. The end of the card is dark, not white.
11. There is no laser-printed number of the card with the security code.
II. Features of the behavior of the bearers of the cards, which should cause the alertness of the cashier.
1. Execution of many transactions for do limit sums, as a rule, up to 100 USD.
2. Making a "trial" transaction for a small amount, followed by a series of transactions for the purchase of goods or services for large amounts.
3. Slow, uncertain signing of the slip.
4. Unnatural, nervous behavior, excessive talkativeness, attempts to speed up the transaction.
5. Inconsistency of the appearance and surname of the holder indicated on the card (for example, if a person with Russian appearance presents a card addressed to a citizen of one of the countries of Southeast Asia or Latin America).
b. The card comes out of my pocket, I'm not out of my wallet.
7. The desire to buy everything indiscriminately, of any size, etc.
8. The desire to independently deliver home large goods (computer, refrigerator, etc.), despite the service offered by the company for the delivery of goods to your home.
III. 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.To establish the identity of the bearer of the card, asking for the presentation of identity 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 in the document (revised photo).
2. Write down the data of the document on a slip or make a copy of the document.
H. Make an authorization request regardless of the amount of the transaction. (On the fake, or "fresh stolen" / card found can be given an authorization code. Getting koda not guarantee the authenticity of these cards!)
If there are doubts about the legality of the use card should decline maintenance, offer pay another card or cash and reported their suspicions to the Security Service of the Company.
IV. If
• The presented card is counterfeit
• The card is not presented by the holder
• The command "Pick Fraud" is received from the authorization center, the
cashier must act as follows:
1. Issue a slip.
2. Give the bearer a signature on it.
3. Ask for identity documents and write down their details.
4. Call the employees of the local branch of the cop by phone 911 or call the Security Department of the Company.
5. Take measures to arrest the fraudster with the help of the security personnel of your enterprise. In that case, if necessary, an alarm signal can be used when requesting authorizations "CODE 10". The Company authorization employee will inform and call the cop representatives to the Company.
b. Have a copy of the detention protocol (if a cop employee intends to take with him the seized card and the executed slip as material evidence, it is necessary to issue an official protocol on the seizure of these documents on the spot).
7. Record the details of the cop employee who arrived for detention, as well as his position and work telephone number.
8. Inform the employee of the cop that if there is an attempt to use the card illegally, the 7th department of the Office for Economic Crimes will be immediately notified. (Well, do not hold back from commenting - debris should be warned, but you see immediately with the cardboard in a nearby storage shed broken ...)
9. o Report the incident to the SEC Internal Affairs of Moscow - around the clock, tel. on duty UEP 200-8540 and in the Security Department of CJSC "KOKK" on weekdays from 10 to 18 hours by tel. 234-1831.
V. Basis for withdrawal of the card y holder.
1. The presence of obvious signs of a forgery of the card.
2. Counterfeiting of the magnetic stripe (inconsistency between the data of the magnetic stripe and the data on the card).
3. Presentation by a person of a card in a false name (discrepancy between the signature of the person who presented the card and the sample signature of the legal holder on the reverse side of the card and / or discrepancy between the data, identity documents and the data on the card).
4. Receiving from the Authorization Center or via the POS terminal commands:
"Withdraw / Pick uр" without explaining the reasons (bank indication)
"Withdraw-fraud / Pick Fraud" (bank indication)
"Wrong card number" (authorization system refusal to accept the card number , for example, a fake)
5. The card is seriously damaged (broken, cut, ironed, and its print on the bill is illegible).
Vi. Documents that can be accepted as proof of identity.
The identity of a citizen of Russia is established by a general civil passport (fake passports are usually presented with counterfeit cards), a soldier - by an officer's identity card or a military ticket.
The identity of a foreigner can be established by the national passport, accreditation card of a diplomat, journalist, businessman.
When checking documents, write these documents on a slip!
VIII. These actions with slips are strictly prohibited:
1. Double rolling.
2. Making changes to the remaining two copies of the slip.
3. the use of "white plastic" for making the slip.
4. Transfer of slip blanks to unauthorized persons.
5, the use of slip blanks.
If a magnetic stripe is read when accepting a card, the cashier must necessarily match the number embossed on the card with the number on the check.
1. Hologram (VOLUME IMAGE). The background of a real hologram is clear, specular, the details of the image are easily distinguishable. On fake holograms, the image can shimmer with all the colors of the rainbow, but there is no VOLUME. The background of the fake hologram is dim, the image is not clear. A fake hologram often peels off ("bubbles") when the card is pressed and bent in the area of the hologram. Foil with the image of a fake hologram is scratched up with a fingernail. A real hologram does not bubble when the card is folded, does not exaggerate and does not get damaged when you push it off the plastic with your fingernail.
2. Panel for signature. Instead of a signature panel, a strip of white paper is glued. The edges of the signature panels are easy to rip up. On the panel, in some cases, the background in the form of a red-yellow-blue inscription "MasterCard" or a blue-gold "Visa" is missing or erased. The card number and security code are missing on the counterfeit or printed with printing ink (should - by laser method).
3. Lamination. On the front side of the card (sometimes on the back side), a transparent adhesive film - laminate can be applied. The laminating film peels off at the edges of the card, and sometimes loosely adheres to the plastic in the area of the fake hologram and embossing.
4. BIN of the issuing bank. The first four digits of the card number, printed with a contrasting paint, can be erased from the card.
5. Logo. The logo differs in color from the standard one and is erased from the card.
b. Micro printing. Microprinting around the VISA logo is practically unreadable and is erased from the card.
7. Stylized symbols. The "V" or "MC" symbols are rough and different from the standard ones.
8. Ultraviolet symbols. In ultraviolet light on the cards there may be no: the image of a flying pigeon in VISA or the letters "M" and "C" in EURO. Some forgeries have these symbols, but they are indistinct and blurred, and the card itself is also glowing, which should not be.
9. Magnetic stripe. Cannot be read, or the data from the magnetic stripe does not match the data printed on the front side of the card.
10. The end of the card is dark, not white.
11. There is no laser-printed number of the card with the security code.
II. Features of the behavior of the bearers of the cards, which should cause the alertness of the cashier.
1. Execution of many transactions for do limit sums, as a rule, up to 100 USD.
2. Making a "trial" transaction for a small amount, followed by a series of transactions for the purchase of goods or services for large amounts.
3. Slow, uncertain signing of the slip.
4. Unnatural, nervous behavior, excessive talkativeness, attempts to speed up the transaction.
5. Inconsistency of the appearance and surname of the holder indicated on the card (for example, if a person with Russian appearance presents a card addressed to a citizen of one of the countries of Southeast Asia or Latin America).
b. The card comes out of my pocket, I'm not out of my wallet.
7. The desire to buy everything indiscriminately, of any size, etc.
8. The desire to independently deliver home large goods (computer, refrigerator, etc.), despite the service offered by the company for the delivery of goods to your home.
III. 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.To establish the identity of the bearer of the card, asking for the presentation of identity 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 in the document (revised photo).
2. Write down the data of the document on a slip or make a copy of the document.
H. Make an authorization request regardless of the amount of the transaction. (On the fake, or "fresh stolen" / card found can be given an authorization code. Getting koda not guarantee the authenticity of these cards!)
If there are doubts about the legality of the use card should decline maintenance, offer pay another card or cash and reported their suspicions to the Security Service of the Company.
IV. If
• The presented card is counterfeit
• The card is not presented by the holder
• The command "Pick Fraud" is received from the authorization center, the
cashier must act as follows:
1. Issue a slip.
2. Give the bearer a signature on it.
3. Ask for identity documents and write down their details.
4. Call the employees of the local branch of the cop by phone 911 or call the Security Department of the Company.
5. Take measures to arrest the fraudster with the help of the security personnel of your enterprise. In that case, if necessary, an alarm signal can be used when requesting authorizations "CODE 10". The Company authorization employee will inform and call the cop representatives to the Company.
b. Have a copy of the detention protocol (if a cop employee intends to take with him the seized card and the executed slip as material evidence, it is necessary to issue an official protocol on the seizure of these documents on the spot).
7. Record the details of the cop employee who arrived for detention, as well as his position and work telephone number.
8. Inform the employee of the cop that if there is an attempt to use the card illegally, the 7th department of the Office for Economic Crimes will be immediately notified. (Well, do not hold back from commenting - debris should be warned, but you see immediately with the cardboard in a nearby storage shed broken ...)
9. o Report the incident to the SEC Internal Affairs of Moscow - around the clock, tel. on duty UEP 200-8540 and in the Security Department of CJSC "KOKK" on weekdays from 10 to 18 hours by tel. 234-1831.
V. Basis for withdrawal of the card y holder.
1. The presence of obvious signs of a forgery of the card.
2. Counterfeiting of the magnetic stripe (inconsistency between the data of the magnetic stripe and the data on the card).
3. Presentation by a person of a card in a false name (discrepancy between the signature of the person who presented the card and the sample signature of the legal holder on the reverse side of the card and / or discrepancy between the data, identity documents and the data on the card).
4. Receiving from the Authorization Center or via the POS terminal commands:
"Withdraw / Pick uр" without explaining the reasons (bank indication)
"Withdraw-fraud / Pick Fraud" (bank indication)
"Wrong card number" (authorization system refusal to accept the card number , for example, a fake)
5. The card is seriously damaged (broken, cut, ironed, and its print on the bill is illegible).
Vi. Documents that can be accepted as proof of identity.
The identity of a citizen of Russia is established by a general civil passport (fake passports are usually presented with counterfeit cards), a soldier - by an officer's identity card or a military ticket.
The identity of a foreigner can be established by the national passport, accreditation card of a diplomat, journalist, businessman.
When checking documents, write these documents on a slip!
VIII. These actions with slips are strictly prohibited:
1. Double rolling.
2. Making changes to the remaining two copies of the slip.
3. the use of "white plastic" for making the slip.
4. Transfer of slip blanks to unauthorized persons.
5, the use of slip blanks.
If a magnetic stripe is read when accepting a card, the cashier must necessarily match the number embossed on the card with the number on the check.
