In recent years, while various types of payment methods have brought convenience experience, the phenomenon of bank card fraudulent card fraud and terminal illegal modification has been frequent, and telecom fraud methods have emerged one after another. The Bank of China Yinchuan Zhongzhi strives to improve bank card security and convenient payment by accelerating the transfer of bank card chips, guiding commercial banks to issue multi-purpose financial IC cards and mobile financial IC cards, renovating bank card acceptance environment, and strengthening background payment risk prevention and control. Level. At present, the bank card migration of Ningxia has made substantial progress, the bank card acceptance environment has become more and more perfect, and the application of financial IC cards in the public service field has achieved remarkable results.
In order to effectively avoid the problem of magnetic stripe card fraud, since 2011, the Bank of China Yinchuan Zhongzhi Supervisory Commercial Bank has successively issued financial IC cards (chip cards) that meet the standards of China's financial industry bank cards PBOC2.0 and PBOC3.0. From May 1, 2017, the magnetic stripe trading of the financial IC composite card (chip magnetic strip composite card) will be completely closed.
At the same time, the middle branch does a good job of replacing the magnetic stripe card with the replacement of the card, the preferential reduction, and so on, and promotes the provision of a convenient payment tool with the security chip as the carrier. Encourage commercial banks to promote the application of financial IC cards in the field of public services, and guide local commercial banks to intensify the innovation of mobile payment products to meet the needs of users in the mobile payment era; organize the development of financial IC cards and mobile payment non-received environment Work, promote the various agencies to distribute POS terminals in taxis, buses, campuses, etc.
At the same time, the middle branch guided and urged commercial banks to improve bank card technical protection measures and pay sensitive information protection systems and audit measures, carry out unified registration and security upgrade of ATM and POS terminals, and establish real-time risk monitoring based on big data. The system ensures early detection and early disposal of risks, and effectively strengthens the information security management of bank cards.
Up to now, Ningxia has issued a total of 18.899 million financial IC cards, accounting for 59.8% of the total issued bank cards in the region. All ATMs and POS machines have completed chip-based transformation. In the field of public service applications, financial IC cards have been paid online in utilities such as water and communications, and seven schools in Ningxia Medical University have realized application functions such as campus financial IC card consumption settlement and library card processing. The bank issues the Ningxia Public Service Card (Resident Health Card).
The bank card acceptance environment has become more and more perfect. As of the end of the second quarter, all commercial banks and third-party payment institutions in the region have deployed 5,122 ATM terminals, of which ATM terminals supporting financial IC cards “flash payment†accounted for 76.8%; The number of POS terminals is 168,003, of which POS terminals supporting financial IC cards “flash payment†and mobile phone “cloud flash payment†account for 97.4%, and the terminal convenience and transformation in the convenience field is basically completed.
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