| Article 9 | The criteria for identifying abnormal credit cards or transactions suspected of involvement in fraud are as follows:
1. The applicant frequently applies for credit cards over a short period of time without reasonable explanation.
2. The credit card has been reported by a financial institution or a member of the general public as being used by someone suspected of criminal activity.
3. The credit card has been used with frequent small transactions suspected of being probing activities.
4. The user makes frequent use of credit card transactions within a short period of time in a manner that is obviously at variance with the normal transaction activities of the cardholder.
5. An inactive credit card with unexpected unusual transactions.
6. A credit card whose holder provides the same mobile phone number as that provided by a cardholder of another watch-listed credit card settlement number in the same issuer, and which is suspected to be used for criminal activity.
7. A non-Taiwanese person who is found by a card issuer to have had relevant identity certification documents, such as resident certificates provided for verification upon the issuance of a credit card, revoked prior to expiration, to have overstayed, or to have been reported as missing.
8. An account holder who is verified by a card issuer to have been reported as a missing person.
9. A credit card with transactions that show signs of involvement in fraud, as set out in the Template for Directions Governing Anti-Money Laundering and Counter-Financing for Credit Card Business Institutions.
10. Other abnormal credit cards or transactions determined by the competent authorities or issuers to be suspected of involvement in fraud. |
| Article 11 | When card issuers implement control and management measures provided for in the latter part of Paragraph 1, Article 8 of the Act with respect to abnormal credit cards suspected of involvement in fraud, or when it is necessary to identify transactions suspected of involving fraud, they may send inquiries to other deposit business institutions, electronic payment institutions, credit card business institutions, or virtual asset service providers by telephone, e-mail, the fraud prevention platform, or other means acceptable to the recipient to obtain information about such abnormal credit cards suspected of involvement in fraud.
The recipient of the inquiry shall provide the following information as requested by the inquiring institution:
1. Where the recipient of the inquiry is a deposit business institution, it shall provide:
(1) Name of the deposit account holder and account opening date.
(2) The age and occupation of the account holder and the purpose of the account opening or transaction.
(3) Whether there are any abnormal transactions in the deposit account and whether the account is being monitored.
2. Where the recipient of the inquiry is an electronic payment institution, it shall provide:
(1) Name of the electronic payment account holder and account opening date.
(2) The user's age.
(3) Whether there are any abnormal transactions of the electronic payment account and whether the electronic payment account is being monitored.
3. Where the recipient of the inquiry is a card issuer, it shall provide:
(1) Name of the cardholder and card approval date.
(2) The age and occupation of the cardholder.
(3) Whether there are any abnormal transactions on the credit card and whether the card is being monitored.
4. Where the recipient of the inquiry is a virtual asset service provider, it shall provide:
(1) Name of the customer holding the virtual asset account and opening date of the virtual asset account.
(2) The age and occupation of the customer and the purpose of the virtual asset account opening or transaction.
(3) Whether there are any abnormal transactions in the virtual asset account and whether the account is being monitored.
In addition to the information specified in the preceding paragraph, the recipient of the inquiry may also provide other necessary information requested by the inquiring institution to implement the control measures provided for in the latter part of Paragraph 1, Article 8 of the Act or to identify transactions suspected of involving fraud.
The recipient of the inquiry shall provide the requested information within five business days. However, this shall not apply if there are practical operational difficulties, the recipient has explained such difficulties to the inquiring institution within the preceding period, and both parties agree to extend the period for providing the requested information.
Where the recipient of the inquiry is a card issuer, the key points or other procedures for the recipient to confirm the identity of the inquiring institution under this Article shall be formulated by the Bankers Association of the Republic of China and reported to the competent authority for record. |