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近日,笔者发现广州某杂志一份宣传材料上介绍的邮购办法和付款方式,其中建议大家采用信用卡付款,对此笔者不敢苟同,主要理由是: 1.供应商无法确认邮购者就是持卡人本人。首先供应商无法当面核对邮购者、邮购者提供的身份证件和持卡人为同一人;其次供应商无法核对邮购者签名与信用卡背面持卡人签名是否一致;第三邮购者提供的身份证与信用卡的真实性也无法确认。 2.发卡银行凭商户递交的凭证办理入帐的依据不充分。按照银行卡管理办法,银行对交易的真实性是不负责审核的,但商户所提交的付款凭证必须符合银行卡所规定的要求,由于邮购物品的特殊性,其递交银行的付款凭证不符合要求,发卡银行凭此入帐没有充足的理由和依据。
Recently, I found a magazine in Guangzhou, a promotional materials described on the mail-order methods and payment methods, which suggest that you pay by credit card, which I disagree with, the main reasons are: 1. The supplier can not confirm the mail-order is the cardholder I. First, the supplier can not verify the mail order in person, the identity card provided by the sender is the same as the cardholder. Second, the supplier can not verify whether the signature of the mail order applicant matches the signature of the cardholder on the back of the credit card. The ID card and credit card The authenticity of the can not be confirmed. 2. Issuing bank documents submitted by the merchant to handle the basis for accounting is not sufficient. In accordance with the bank card management approach, the bank is not responsible for the authenticity of the transaction audit, but the payment certificate submitted by the business card must meet the requirements set by the bank card, due to the particularity of mail order items, the payment certificate submitted to the bank does not meet the requirements There is not ample reason and basis for the issuing bank to account for it.