基于POS机套现非法经营犯罪行为及其侦查方法探讨

The Illegal Withdraw-Cash Operation Crime Based on POS Machine and its Methods of Investigation

POS机套现是随我国信用卡产业不断发展而出现的一种新型非法经营犯罪方式,由于这一犯罪运作模式独特多样,作案手法不断翻新,发现率、取证率、打击率始终十分低下,严重助长了犯罪分子的嚣张气焰。针对当前POS机套现犯罪活动依然非常严峻,并呈现专业化、产业化趋势的现状,全面研究利用POS机套现进行非法经营犯罪行为的特质,采取有针对性的侦查策略方法,已刻不容缓。

Drawing cash with POS （Point of Sales） machine is a new way of illegal business crime with the development of credit card industry in China. It contributes the arrogance of criminals seriously.because of its unique and diverse operating mode, ongoing refurbished methods, low detection rate, low evidence rate and low punished rate. As the current POS machine crime presents a tendency of specialization and industrialization, after analyzing the operating mode, crime characteristics and investigation difficulties of POS machine crime., this article study the four investigation methods include verifying on site secretly, analyzing the off-site data, the business information monitoring collision and flitering the remained clue.