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1/27/2017
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New lawsuit seeks to hinder action by fraudsters and avoid sending unauthorized tickets
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Published: January 24, 2017 - 5:18 pm - Author: Editorial Staff
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Starting in March, bank vouchers can be paid at any bank even after expiration. The move was announced by the Brazilian Federation of Banks (Febraban), which, in partnership with the banking network, is developing a new settlement and clearing system for banknotes, a target of millionaire fraud, which will provide more security and convenience to consumers.
The new billing system will allow all tickets to be registered on a single platform by the end of the year. In March, all tickets with a value equal to or above R $ 50 thousand will enter the system. In May, will be inserted in the platform those with value equal or above R $ 2 thousand. After two months, it will be the turn of the invoices from R $ 1 thousand, and so on. By December of this year, all invoices, regardless of value, will be included in the new platform.
All information that, as a rule of the Central Bank, must be included in the ticket, such as CPF or CNPJ of the issuer, date of maturity, value, in addition to the name and number of the payer's CPF or CNPJ, must traffic through the new collection platform.
With the new lawsuit, banks will better track all tickets posted to payers, improving the ability to filter undue ticket shipments. Without registration, the bank only becomes aware of the issue of the ticket when it arrives at the compensation, which facilitates the action of fraudsters.
Frauds
According to Febraban, the number of tickets sold for products and services issued in the country reached 3.7 billion in 2015, a volume that caught the attention of fraudster gangs. Last year, funds diverted due to this type of fraud totaled R$ 320 million.
"The new platform will bring benefits to the consumer and society, such as greater ease of payment of overdue bills, and avoiding the sending of unauthorized tickets," says Febraban's Deputy Director of Business and Operations, Walter Tadeu de Faria .
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According to the director of Febraban, the great change provided by the new system occurs when the consumer, whether individual or legal, makes payment, even a ticket expired: at that time, will be made a consultation to the New Platform to check the information . For this, the company that issues a charge should send the data to the bank, which passes them to the platform. At the time of payment, the information contained in the bar code will be compared to the system records. If the ticket data you are paying matches that of the New Platform system, the transaction is validated. If there is a divergence of information, the payment of the ticket will not be authorized and the consumer will only be able to make the payment exclusively to the bank that issued the bill, since that institution will be able to make the necessary checks.
In the current model, this does not happen because not all tickets are registered on a centralized basis. Therefore, ticket issuers must register them in their relationship bank with the necessary information.
"If the information is not in the database of the new platform, it means that the ticket was not registered by the company or was fraudulent," warns Faria.
Transparency
Febraban emphasizes that, in addition to the consumer being able to pay his expired ticket at any bank or non-bank correspondent, Nova Plataforma will allow greater transparency throughout the process, assuring companies better management of receipts, once the negotiated transaction conditions With consumers will be preserved. The federation of banks also informed that the payment receipt will be more complete, presenting all the details of the ticket, (interest, fine, discount, etc.) and the information of the beneficiary and payer.
The New Platform also has information cross-referencing to avoid payment inconsistencies, identification of the payer's CPF for money laundering control purposes, and greater transparency in relation to the consumer, as it improves the controls of the optional tickets ( Proposal tickets), which are sent without authorization from the customer.
Source: The Globe
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