Recently, a number of banks have announced that they will carry out the verification of customers’ personal information. Different from the past, this verification information includes name, gender, nationality, occupation, contact number, contact address, type and number of identity documents, and validity period of documents. Verifying information is the strictest in history. In particular, a number of banks have indicated that they will suspend the financial services of their accounts for customers with incomplete and untrue retained identity information.
Guangzhou Daily All-Media Reporter Lin Xiaoli
Recently, Shanghai Pudong Development Bank issued the Announcement on Verifying the Identity Information of Individual Customers in official website, requesting to verify the customer information of individual customers, including name, gender, nationality, occupation, contact number, contact address, type and number of identity documents, and validity period of the documents. If the identity information needs to be improved and updated, you can go through the electronic channels of Shanghai Pudong Development Bank or bring your valid ID card to the bank’s business outlets. According to the announcement, starting from June, Shanghai Pudong Development Bank will stop providing financial services to accounts under customers’ names with incomplete and untrue retained identity information.
A number of banks have successively issued information verification announcements.
The reporter noted that more than one bank issued similar announcements. Guangfa Bank also announced that customers with incomplete, untrue and incorrect identity information kept in the bank should bring their valid identity documents to any branch of the bank for verification or modification before May 17. After that, Guangfa Bank will stop providing financial services to the accounts under the customers’ names. The relevant announcement previously issued by ICBC also indicated that the provision of financial services was suspended for the accounts under the names of customers whose identity information remained in the bank was incomplete or untrue.
Focus on the investigation of expired ID cards and multiple people using the same phone.
Why should banks start identity information verification? According to bankers, most of the bank accounts used to transfer illegal funds in various illegal and criminal activities are accounts opened by criminals under the guise of using resident ID cards that have been reported lost or have expired.
The source pointed out that in the recent identity verification announcement, the expiration of identity cards is a situation that banks focus on reminding. At the same time, check the accounts where many people use the same phone to prevent one person from illegally controlling multiple bank cards. If it cannot be proved to be reasonable, the business will be suspended.
The latest announcement issued by Guangfa Bank requires that after December 1, 2016, if a customer newly opens a Class I account in the bank with the same ID number, resulting in more than one Class I account in my name, please bring my valid ID card and related account information to the branch for demotion or cancellation, and only one Class I account will be kept; If the contact number left by the customer in the bank is duplicate with many people, please bring your valid ID card and valid mobile phone to the bank’s outlets for verification or submit a reasonable explanation. If both cases are overdue, the bank will suspend the non-counter business of the account.
Not all customers are involved
According to Shanghai Pudong Development Bank, if the information cannot be completed as required, Shanghai Pudong Development Bank will take measures for the accounts under the customer’s name with incomplete or untrue identity information from June until the customer updates the information and is verified by the credit card center. Measures include stopping accepting the demand for redemption points initiated by customers; Prohibit customers from transferring or withdrawing non-face-to-face overpayments; Not to increase or increase the credit line; Not to handle all cash installment business; Reduce the credit card limit.
The reporter learned from a number of banks that this large-scale investigation began in March, and banks systematically checked and arranged suspicious customers among their own customers, not involving all customers. The bank will take the initiative to send SMS notification to the suspected customer’s reserved mobile phone number. This SMS is sent directionally, and customers without problems will not receive it. If the customer is not at ease, he can take the initiative to call the bank customer service or go to the bank outlet to inquire about his account. However, due to the great differences in the scientific and technological system capabilities and risk control capabilities of banks, the timetables of banks are not uniform.
Reminder:
Be careful that criminals use this to defraud and don’t open links casually.
There is also a special reminder that if you receive a short message and ask to click on the link in the short message to improve your personal information, you must beware of fraud. Some banks said that a few days ago, some bank customers received a text message saying that all customers with incomplete personal information need to be improved, and they can supplement it online, otherwise it will affect business handling. At the same time, there is a link to the website, which needs to be filled in on the webpage after clicking, including monthly income, account information and verification code. It is understood that this is a short message sent by criminals pretending to be a bank. Once you click on the link and fill it out as prompted, the security of your personal account will face great risks.
The aforementioned bankers reminded that you don’t need to panic when you see such information. You can call the bank’s customer service phone to inquire. At present, the bank provides two channels for improving and updating personal identity information. One is the bank’s electronic channels (mobile banking, online banking, WeChat banking, etc.), and the other is that I bring my valid ID card to the bank’s business outlets. Remember, don’t just open the link in the text message.