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英国金融业界建议推出支付税补偿欺诈受害者

推送支付欺诈指的是企业或个人在购买商品或服务时将钱款汇入欺诈账户的情况。

据英国金融(UK Finance)统计,仅2018年上半年,此类诈骗就给英国消费者造成了近9290万英镑的损失。

为此,英国金融建议对资金转账征税,而银行则可以通过这种税收补偿遭受上述诈骗的受害者。

其实,英国支付系统监管机构一直在与银行和消费者团体合作,制定行业规范,补偿APP诈骗案的受害者。比如,上个月几家英国银行和消费者权益指导小组就起草了一份自愿准则草案。

但是目前还有一个问题尚未解决:如果一个诈骗受害者达到了赔付基准,但是涉及其业务的银行或者支付机构并没有安全违规行为该怎么办?

因此,来自英国金融的Stephen Jones就提出了向每笔汇款进行“征税”的建议。

不过,该提案遭到了消费者团体和网络欺诈公司的嘲笑。

来自EMEA的Brooks Wallace就表示,Jones的想法有些荒谬,这就是在说银行在明知在线犯罪不断增长的同时,没有采取积极措施预防犯罪,反而将财产保护和赔偿的责任转移给了消费者。

Banking lobby UK Finance has floated the idea of imposing a universal tax on funds transfers which banks could dip into to compensate victims of push payments fraud.

Push payments fraud, which happens when businesses or individuals are conned into sending money to a fraudulent account to pay for goods or services, has become a political hot potato in UK financial circles.

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

The UK's Payment Systems regulator has been working with banks and consumer groups to develop an industry code for reimbursing victims of APP scams.

Last month saw the publication of a draft voluntary code drawn up by a steering group of UK banks and consumer rights campaigners.

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.

In a presentation to The UK's treasury Select Committee, UK Finance chief Stephen Jones suggested that “a tiny levy on each payment” made in the UK could be a suitable mechanism to resolve the deadlock.

“Customers will pay if the banks have to pay,” Jones told MPS. “There’s no such thing as a free lunch here. It’s a question of how can the cost be fairly distributed across the system.”

The proposal has been derided by consumers groups and cyber-fraud firms. Brooks Wallace, head of Emea at fraud prevention out Trusted Knight comments: "Mr Jones talks about reducing financial incentives for cyber criminals, but asking consumers to pay the bill does nothing to stop the ultimate payday for the criminal. Rather, it seems like a cynical attempt among banks - who know that online crime is growing - to shift financial responsibility to the customer before it really starts to impact their bottom line."


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