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英国计划出台新法案应对APP付款诈骗

国际资讯监管与政策

英国计划出台新法案应对APP付款诈骗

近些年来,APP端的催付款诈骗时有发生。

英国财政部本周发布的统计数据显示,仅2018年上半年,英国消费者就因此类诈骗损失了9290万英镑。

针对这一问题,一个由英国多家银行和消费者权益组织共同领导的小组起草了一份自愿准则草案。

目前该草案还处于开放咨询阶段,咨询截止时间为11月15日。

制定新的指导方针是为了使犯罪分子更难以实施APP欺诈,并阐明消费者如何保持警惕并采取合理措施保护自己,同时给予他们更多的保护和银行支持。

比如该文件提出,如果消费者已达到其必要的自我防范水平,如果遭遇诈骗,那银行或相关支付机构就应对消费者损失予以报销。

为此,银行必须加强应用分析和员工培训,以更好地检测和响应推送支付欺诈,并冻结和返回被视为可疑的付款。

工作组的代表银行承诺在磋商期间开始执行商定的标准,尽管新的指导方针要到明年年初才能生效。

不过,目前还有一个尚未解决的问题。如果APP骗局的受害者已经达到其必要的自我防范水平,但相关银行和支付机构也没有发生数据泄露的问题,那么消费者损失到底该由谁支付?据悉,目前工作小组还未给出具体答案。

此外,银行与其他支付服务提供商之间的争议如何解决的机制,以及最终的方案落实都有待确定。

Moves to reimburse consumers who fall victim to push payment fraud has come a step closer with the publication of a draft voluntary code drawn up by a steering group of UK banks and consumer rights campaigners.

Open for consultation until 15 November, the draft code is intended to protect consumers from authorised push payment (APP) fraud, which happens when businesses or individuals are conned into sending money to a fraudulent account to pay for goods or services.

Statistics released by UK Finance this week show that, in the first half of 2018, consumers lost £92.9 million because of this type of fraud.

The new guidelines have been drawn up in a bid to make it harder for criminals to commit APP fraud, and sets out how consumers can be vigilant and take reasonable steps to protect themselves whilst giving them greater levels of protection and support from their banks.

Importantly, the code proposes the principle that where a consumer has met their requisite level of care, they should be reimbursed.

For their part, banks will be required to apply analytics and employee training to better detect and respond to push payment fraud and to freeze and return payments deemed suspicious.

Banks represented on the working group have committed to begin work on implementing the agreed standards during the consultation period, although the new guidelines will not come into force until early next year.

One sticking point which has yet to be resolved occurs in instances where a victim of an APP scam has met their requisite level of care, and so should be reimbursed, but no bank or other Payment Service Provider involved in the payment journey has breached their own level of care. The Steering Group has not been able, so far, to resolve the question of who should meet the cost of reimbursements in these circumstances.

In addition, more work is needed to agree a mechanism for how disputes between banks and other payment service providers can be resolved, and to agree the governance of the code once it is finalised.


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