交易信息研判法当刑事案件中涉及到银行卡的时候,侦查人员应在较短时间内到该卡的开户银行,查询并调取该银行卡的开户信息和交易记录(有时还包括涉案账户交易前后的其他账户的交易记录调取)。对于开户银行信息不清楚的,可以电话咨询中国银联公司,并可就涉及到跨行交易用ATM机的终端号资料进行查询定位。查询过程中常遇到开户行不在案发地辖区内的情形,侦查人员通常可以在地市级银行机构的协助下,调取该银行卡在原开户行的开户和交易信息并对开户记录和 Transaction Information Judgment When a criminal case involves a bank card, the investigator should go to the bank’s card bank in a relatively short period of time to inquire and retrieve the bank card’s account opening information and transaction records (sometimes including the transaction involving the account Before and after the other accounts of the transaction record transfer). For bank account information is not clear, you can call the China Union Pay company, and can be involved in cross-transaction ATM machine terminal number information query positioning. In the course of inquiry, it is often the case that the issuing bank is not located in the area where the issuing bank is located. The investigating officers can usually obtain the bank account and transaction information of the bank card with the assistance of the municipal banking institution and record the account opening record