Cctv newsRecently, the People’s Bank of China issued the Notice of the People’s Bank of China on Strengthening the Management of Payment Acceptance Terminals and Related Services (hereinafter referred to as the Notice). The person in charge of the relevant departments of the People’s Bank of China answered the reporter’s questions on the Notice.

　　1. What is the background of the Notice?

　　The payment acceptance terminal involves the reading and collection of payment information and the generation of payment instructions, and its security and compliance are of great significance to ensuring the security of payment information and funds. The People’s Bank of China attaches great importance to the prevention of risks related to payment acceptance terminals, and has successively issued a series of systems such as bank card acquiring business, acceptance terminal security and bar code payment business, which has played a positive role in maintaining the order of acquiring market and protecting the public information and capital security.

　　At the same time, payment acceptance terminals and related business management are also facing some new problems and challenges. For example, some market participants have been constantly renovating the means of altering transactions, and hiding illegal transactions by arbitrarily changing terminal transaction routes, merchant codes, merchant names, and transaction addresses, which makes it difficult for transaction information to restore the real consumption scene, which not only infringes on consumers’ legitimate rights and interests, but also causes complaints and disputes, and also brings opportunities for criminals to transfer illegal and criminal funds through channels. There are also some criminals who use the receipt bar code to transfer gambling funds and provide payment channels for cross-border gambling activities. In order to effectively improve the risk management level of payment acceptance terminals and related businesses, effectively cut off the "capital chain" of crimes such as cross-border gambling, and protect the interests of the public, the People’s Bank of China has formulated the Notice on the basis of in-depth investigation and extensive consultation with all parties.

　　II. What are the management requirements of the Notice for bank card acceptance terminals? Why do acquiring institutions and clearing institutions need to manage acceptance terminals?

　　Focusing on the whole life cycle management of bank card acceptance terminals, the Notice requires the acquiring institution to establish an association relationship between the terminal serial number and five elements, such as the acquiring institution code, the special merchant code, the unified social credit code of the special merchant, the settlement account of the special merchant, and the geographical location of the bank card acceptance terminal, and ensure the consistency and non-tampering of this association relationship in the whole payment process. Around the above requirements, based on the different responsibilities of the main players in the payment market, we will establish a multi-level standardized mechanism and form a management system that performs its duties and is governed by many parties.

　　On the one hand, adhering to the principle of "whose terminal is responsible", the main responsibility of the acquiring institution on acquiring business is compacted. The acquiring institution shall establish the relationship between the serial number of the terminal and the five elements. If any element is changed during the use of the terminal, the relevant audit procedures shall be re-performed. The acquiring institution shall adopt the bank card acceptance terminal with password identification technology to ensure that the transaction initiated by the terminal can be traced back accurately.

　　On the other hand, adhering to the principle of "whose network is responsible", we will tighten the responsibility of clearing institutions for maintaining the network order. The clearing institution shall organize member institutions to comprehensively sort out and evaluate the terminals accessing the network, and retire or upgrade the terminals that do not meet the notification requirements within a time limit according to the risk rating. At the same time, we will establish a registration management platform for bank card acceptance terminals, and manage the relationship between terminal serial number and five elements in the whole life cycle together with member acquiring institutions in the terminal network access, change, monitoring and exit. Once the monitoring finds that the relevant elements are inconsistent with the original binding relationship, the clearing institution and the acquiring institution should take risk verification and disposal measures to effectively prevent risks such as "machine shifting" and "code matching". Considering that the same terminal may access multiple clearing institutions, in order to avoid redundant construction, clearing institutions can build their own or entrust other institutions to establish management platforms on their behalf, but their main responsibilities will not be transferred due to the entrustment relationship. The scope of entrusted institutions includes other clearing institutions, industry self-regulatory organizations, third-party professional institutions, etc., and the specific objects and modes are determined by the clearing institutions themselves.

　　3. What management requirements does the Notice put forward for bar code payment acceptance terminals?

　　The Notice follows the principle of equal standards for similar businesses, and combines the similarities and differences between bar code payment acceptance terminals and traditional bank card acceptance terminals to implement classified management for bar code payment acceptance terminals of special merchants. For bar code payment acceptance terminals similar to traditional bank card acceptance terminals, which can collect main payment information and participate in initiating payment instructions, such as card code composite intelligent terminals, the same regulatory requirements as bank card acceptance terminals are implemented. For the auxiliary acceptance terminals of barcode payment, which only have the function of barcode reading or displaying, but do not participate in initiating payment instructions, such as scanning guns or boxes, code display equipment, static code cards, etc., considering the universality of barcode payment, it is required to strengthen risk prevention and control by establishing the corresponding relationship between merchants and the core elements of bill receipt, and strengthening monitoring means. In addition, for the bar code payment auxiliary acceptance terminal without positioning function, it is required to monitor the terminal transaction position through the payer’s transaction position or other calculation methods about the actual position of the mobile terminal to prevent the risk of terminal abuse. Considering that the implementation of the above monitoring requires cooperation and convergence between the institutions on the receiving side and the account side, it is required that the clearing institution and the member institutions on the receiving side and the account side establish joint monitoring standards and rules for terminal positions, and jointly determine the verification frequency, standards, modes and other operation paths on the premise of taking necessary security technical measures such as encryption and de-identification to ensure information security.

　　4. How does the Notice regulate the bar code of personal collection?

　　In recent years, personal collection bar codes have been widely used, effectively meeting the personalized and diversified payment needs of the public, and improving the efficiency of fund collection and payment in small and micro economy and stall economy. At the same time, however, there are some hidden risks in personal collection bar codes. For example, some institutions use personal receipt bar code transfer business to handle a large number of production, operation and consumption transactions, which not only confuses the nature of transactions, leads to distortion of transaction information, affects the effect of risk monitoring, but also is not conducive to empowering and adding value to business activities by means of payment services. There are also some lawless elements who use the "running sub-platform" to attract a large number of people to use personal static collection barcodes to remotely transfer gambling funds with gamblers online, hiding gambling funds in many normal trading scenarios, disrupting the normal order of barcode payment business and affecting the effectiveness of the traceability mechanism of gambling "capital chain".

　　In order to give full play to the universality and convenience of the receipt bar code on the premise of preventing risks, the Notice puts forward the following targeted requirements. First, refer to the management of special merchants for individual users with obvious business characteristics, and require such individual users to provide merchant collection barcodes to improve the service quality of individual operators. Second, it is required that personal static collection bar codes should not be used for remote non-face-to-face collection in principle, and it is really necessary to implement white list management to prevent personal static collection bar codes from being sold, rented or lent to build online recharge channels for gambling activities. Third, refer to the relevant requirements of personal static collection bar code for the personal dynamic collection bar code saved by screen capture, download, etc., so as to prevent criminals from evading policy requirements with the help of personal dynamic collection bar code. Fourth, it is required to carefully determine the access conditions and scale of the personal static collection bar code white list, the validity period, the number of uses and the transaction limit of the personal static collection bar code, so as to prevent the risk of white list abuse.

　　In order to ensure the effective implementation of the relevant requirements of personal collection bar code and the smooth transition of business, the Notice has set a transition period, requiring payment service subjects to comprehensively and fully evaluate the normal payment needs of customers, formulate supporting service solutions, do a good job in customer guidance and service, and ensure that the service cost does not rise and the quality does not drop.

　　V. What requirements does the Notice put forward for the management of special merchants? Why do acquiring institutions and clearing institutions need to manage special merchants?

　　Real-name registration system, a special merchant, is the basic system of acquiring business and an important guarantee to ensure the authenticity of transactions, maintain the order of acquiring market and prevent illegal and criminal activities. The Notice adheres to the principle that "whoever owns the business is responsible". As the first responsible entity in the management of special merchants, the acquiring institution should strengthen the substantive review of the legitimacy of the business activities of special merchants and the true willingness to apply for acquiring services, implement the obligation of continuous management of special merchants, and further clarify the way of verifying the identity of merchants: for entity special merchants with fixed business premises, the acquiring institution is required to verify the identity of merchants on the spot; For special merchants on the internet and entities without fixed business premises, considering the difficulty and high cost of on-site verification, the acquiring institution is required to verify the identity of the merchants in principle by manual or intelligent customer service synchronous video.

　　At the same time, based on the principle of "whose network is responsible", the Notice requires the clearing institution to establish an information platform for special merchants accessing the network, collect the core information of special merchants accessing the network according to the principle of minimum necessity, carefully manage the authenticity, security and legal compliance of special merchants accessing the network by member institutions, and continuously monitor the relationship between member institutions and special merchants accessing the network, payment acceptance terminals and the risk of acquiring transactions. The merchant information collected and used by the clearing institution is limited to the above-mentioned specific purposes and shall not be excessively collected or used.

　　6. What impact does the Notice have on consumers and small and micro businesses?

　　The Notice generally helps to better protect the legitimate rights and interests of consumers. On the one hand, the Notice further regulates the management of payment acceptance terminals and special merchants from multiple subjects and dimensions, which is conducive to preventing criminals from stealing consumers’ personal information or even stealing account funds by transforming payment acceptance terminals and applying for false merchants; On the other hand, the Notice requires the clearing institution to improve the payment business message rules, support the member institutions of the institution to meet the necessary and reasonable transaction information inquiry needs of customers, help improve the service quality of bank statements and transaction information inquiry of banks and payment institutions, fully protect consumers’ right to know, and reduce related disputes and complaints.

　　In the long run, the relevant requirements of the Notice on standardizing personal collection codes will further improve the quality of collection services for individual operators and small and micro businesses. For individual payment code users with obvious characteristics of business activities, the Notice requires the acquiring institution to refer to the management of special merchants. After the individual operators and small and micro merchants cooperate with the acquirer to complete the procedures for merchants to access the network, the acquirer should provide payment services according to the merchant service standards, and establish the corresponding relationship between the merchants and the acquiring settlement account and other elements of information according to the regulations, which will help prevent the outsourcing institutions from misappropriating funds and the big merchants from the source, and help to better protect the financial security and service experience of individual operators and small and micro merchants.

It’s winter again, and I’m still squatting at home doing nothing. It’s really a waste of this beautiful snowy season. Let the winter be full of flavor, let life say goodbye to boredom, then come out and have fun, which will surely make you change your mood and better enter the new year. Let’s walk into the winter in Tongliao today and see where it is more fun!

First, Xiao Zhuang’s former residence, Dalhan’s Prince’s Palace

In winter, the most unforgettable thing is a snowy event. Snow, so that winter is no longer dead. Snow falls on the palace, wrapped in white, and all the temples seem to haunt a wonderful rhythm, emitting a graceful and elegant distance, like a fairyland on earth.

After the snow, the Yin ‘an Temple seems to have the bright color of life with bricks, tiles, columns and rafters.

The palace is wrapped in silver, as if the elves were flapping their wings, sprinkling a string of crystal ice and hanging it on the eaves, making the palace more dreamy.

Second, Naiman Palace

Photography/Wang Zijiang

Naiman Palace was built in 1863 (the second year of Tongzhi in Qing Dynasty), with a history of more than 150 years. National key cultural relics protection units, national AAAA-level tourist attractions, patriotic education base in Inner Mongolia Autonomous Region, China overseas Chinese international cultural exchange base, and national third-class museum.

This palace was built by Dechuk Zab, the 11th prince of Genghis Khan’s 28th Sun Naiman Banner. He is the son-in-law of An Gongzhu, the fourth princess of Niukolu’s family, the Queen of Daoguang Emperor, and the highest status in Gulun. He served in Daoguang, Xianfeng and Tongzhi dynasties and was favored by many people.

Photography/Wang Zijiang

Naiman Palace is exquisitely laid out, magnificent and magnificent. It integrates the customs of Saibei, Tibetan Buddhism and Mongolian national architecture, and is a typical Qing Dynasty terrace-cloister architectural style.

Photography/Wang Zijiang

Naiman Wangfu Museum, which is based on the ancient building of Wangfu, covers a total area of 31,000 square meters, including 12 sets of courtyards, 211 houses, 15 theme pavilions and nearly 2,000 cultural relics.

III. Baogutu Desert

At the beginning, after the first heavy snow fell in winter, the vast desert was covered with snow, and a camel came slowly from a distance at a leisurely pace, like a boat cutting through the calm lake, and the whole desert was full of excitement … The encounter between snow and desert and the collision between ice and fire added a new color to the winter Baogutu desert, attracting many tourists and photographers!

Baogutu Desert Tourist Area is located in the core area of Baogutu Desert, which is the best choice for photographing the winter desert. There are beautiful scenery, accommodation and delicious food here. In order to meet the needs of tourists and photographers, the Baogutu Desert Tourist Area is normally opened in winter, providing you with the most thoughtful service with the most full enthusiasm!

At present, Baogutu Desert Photography Base has completed the creation of folk culture scenes, desert ice and snow scenes, camel racing scenes, natural scenery scenes, praying for the holy land and other scenes, making the cultural theme products of "Photography Nadam" mature day by day, giving full play to the comprehensive pulling role of tourism, cultivating new tourism formats, creating new values and creating new growth points.

Fourth, Hamin Ruins Park

When winter comes, the snow is fluttering, and the Hamin Ruins Park is particularly enchanting under the decoration of snow. The Woods in the park are covered with a layer of crystal feathers, and the houses and the park trails are covered with white clothes, and the winter rhyme and snow scene are particularly beautiful.

Perhaps it is a distant visual illusion that adds a bit of mystery to the lonely and cold forest.

The museum as far as you can see also has its own white clothes. It records the life of the Hami people more than 5,000 years ago and is a beautiful Eden for the Hami people.

V. Xinya Sports Park

Xinya Sports Park Project is located in the south of the west section of Xinggong Street in Tongliao Economic and Technological Development Zone, south of Tongliao Jinma Boron Technology Co., Ltd. The project covers an area of 48,811.74 ㎡, including 27,000 ㎡ indoor venues in the sports park. At present, 25,000 ㎡ indoor venues have been completed and put into operation, and officially opened to the public on December 25, 2019.

Xinya Sports Park is positioned as a cultural and sports complex project, focusing on cultural and sports life and leisure, including urban functions such as cultural and sports life, leisure and entertainment, physical exercise, undertaking sports competitions, themed catering and cultural and sports training. It is the first cultural and sports complex project in Tongliao city that integrates sports, leisure and entertainment, catering, cultural and sports training and other functions. The main project consists of indoor gymnasium, indoor youth hall and outdoor field, and it is planned to be built in stages and put into operation in batches. By the end of 2019, indoor football, basketball, badminton, volleyball and other ball games and leisure sports such as trampoline, children’s naughty castle and rock climbing have been officially put into operation. In addition, indoor swimming gymnasium, table tennis hall, squash hall, rain shower and other related supporting facilities are under intense construction.

6. Ouxiang jiujiu Ski Resort

Ouxiang jiujiu Ski Resort is located in the east of 304 National Road, north of Ganqika Town, Kezuohou Banner, 8 kilometers away from Ganqika Town and 60 kilometers away from Tongliao City. Ouxiang jiujiu Ski Resort has enriched the contents of "Horqin 500km Landscape Avenue" to meet the needs of tourists for four seasons. The ski resort covers a total area of 200 mu, and can provide tourists with eco-tourism services such as skiing in winter, grass skiing in summer, leisure, vacation, catering and entertainment.

At present, a ski resort has been built, including reception hall, lounge, ski rental, cafe and restaurant. Set up a junior and middle-level ski trail, the intermediate ski trail is 50 meters wide and 260 meters long, and the primary ski trail is 50 meters wide and 150 meters long. Children’s snow amusement park covers an area of 30 mu, equipped with snow circle road, snowmobile, snow yo-yo and other amusement equipment. The skating rink covers an area of 80 mu and is equipped with single/double ice carts, skating, ice gyro and other amusement facilities.

Seven, Shiyuan Hot Springs

Shiyuan Hot Spring Resort Rehabilitation Center is located in the north of 303 National Road, 3 kilometers east of Molimiao, 28 kilometers from Tongkai Line. It is a comprehensive hot spring resort with the theme of hot spring recuperation and hot spring swimming, as well as nano-steaming, catering, accommodation, tourism reception and entertainment.

Shiyuan Hot Spring Resort and Rehabilitation Center is a comprehensive hot spring resort with the theme of hot spring recuperation and hot spring swimming, which integrates nano-steaming, catering, accommodation, tourism reception and entertainment. It grandly launches a romantic and warm luxury suite with independent soaking pool, medicinal bath, rose bath and milk bath. Muxiangju rural family-style suite, comfortable rest hall, multi-functional banquet hall for more than 400 people, complete audio equipment, super-large restaurant for more than 50 people, undertaking all kinds of banquet tables, pure green diet, spa treatment, elegant environment, fresh air and other experience ways to achieve the artistic conception of returning to nature, unique decoration style, all of which are carefully designed, luxurious but not vulgar, revealing in the classical, exquisite but not noble.

Eight, Zhanlu Hot Spring Resort City

Zhanlu Hot Spring Resort is located in Hexi Development Zone, Tongliao City, Inner Mongolia, on the south side of National Highway 303, 7 kilometers away from the urban area. Zhanlu Hot Spring Resort City is a large-scale tourist resort with hot springs as the main body, including tourism, leisure, vacation, conference, catering and accommodation. Formerly known as Zhanlu Water Park, underground hot springs were successfully exploited in early 2018.

Zhanlu Hot Spring Resort has a large wave-making pool, a children’s paddling area and a number of hot spring pools in the entertainment area. In addition, there are many entertainment facilities such as large slides, rafting, musical fountains, fish therapy and special soup baths. Many indoor and outdoor areas are available for tourists to play and watch. The indoor environment of the park is beautiful, and the green coverage rate reaches more than 50%, which simulates the biological and ecological environment of Hainan as a whole.

There are more than 40 holiday villas around the park, with different decoration styles, which are suitable for families, enterprises and teams to travel and stay. A variety of entertainment facilities in the villa can meet the needs of different tourists, including karaoke, barbecue, bonfire, chess and card entertainment and other facilities for tourists to use.

There is a restaurant in the park. All the ingredients in the restaurant come from farms and vegetable greenhouses in the park. Animals and plants are cultivated by organic planting and breeding methods. All kinds of ingredients are certified as green food. Among them, black pork, wild duck eggs, asparagus, okra and other ingredients are deeply loved by tourists.

From Humanism to Ecology

From indoor to outdoor

Winter ice and snow tourism projects in Tongliao

Does it make you feel excited?

If you are excited, act quickly

Go out of the house and have a good time

Believe this winter

Tongliao will never let you down ~

Damei Tongliao is waiting for you!

　　Xinhua News Agency, Nanjing, June 16 (Reporter Liu Weiwei) Nanjing Customs announced on the 16th that it had recently launched a centralized operation in Nanjing, Changzhou, Suzhou, Huai ‘an, Ningbo, Jiaxing and other places, and destroyed more than 20 smuggling consignors’ gangs, and seized more than 10,000 smuggled luxury bags, branded clothes and high-end watches on the spot, with a total case value of about 154 million yuan.

　　In February 2021, Jiangyin Customs Anti-smuggling Branch of Nanjing Customs Anti-smuggling Bureau received a clue that Zhang, a native of Jiangyin, was suspected of hiring water passengers to smuggle luxury goods. Through verification, the anti-smuggling personnel initially determined that the gang headed by Zhang and Cheng was suspected of major smuggling. In March 2021, anti-smuggling personnel went to Jiangyin, Zhangjiagang, Liaocheng, Shandong and other places, arrested three suspects, including Zhang, and seized 1,870 smuggled luxury goods and branded clothing on the spot, with a case value of 4.54 million yuan; At the same time, the anti-smuggling personnel persuaded the suspect who was located outside the country at the time of the incident to return.

　　After investigation, since 2018, the smuggling gang has contacted overseas water passenger gangs to smuggle luxury bags, clothes and shoes into the country by means of water passengers, and then sold them in physical stores, online stores, WeChat and other platforms for illegal profit.

　　At present, relevant cases are under further investigation.