Rules Governing the Administration of Electronic Payment Business Article 34
The standards for determining what constitutes an electronic payment accounts and registered stored value cards with suspicious or unusual transactions are referred to in these Rules and the classification sheme for such accounts, are as follows:1. Category 1:(1) The account or card is opened or registered under a fake name;(2) The account is a watch-listed e-payment account;(3) The account is a derivative watch-listed account.2. Category 2:(1) The applicant applies for opening an e-payment account frequently over a short period of time and fails to provide a reasonable explanation;(2) The transaction functions applied for are obviously inconsistent with the user's age or background;(3) The contact information provided by the user cannot be verified by using reasonable measures;(4) The e-payment account has been reported by a financial institution or a member of the general public as being used by someone suspected of criminal activity;(5) The e-payment account has been used for high volumes of small amount inward/outward remittances suspected of being probing activities;(6) The user makes frequent use of electronic services or facilities of banks over a short period of time in a manner that is obviously at variance with the normal transaction activities of the user;(7) An inactive account with unexpected unusual transactions;(8) Accounts with transactions that show signs of money laundering as set out in the Template for Directions Governing Anti-Money Laundering and Counter-Financing of Terrorism of Electronic Payment Institutions; and(9) Other e-payment accounts or registered stored value cards with transactions determined by the competent authorities or electronic payment institutions to be suspicious or irregular.In case of major contingencies involving e-payment accounts reported as watch-listed accounts or rescission of such classification by a court, public prosecutor’s office, or judicial police authority, the court, public prosecutor’s office, or judicial police authority may notify the electronic payment institution by telephone, fax, or any other feasible means, followed by a confirming official letter and documents which shallbe delivered to the electronic payment institution within five business days. If such letter or documents are not delivered in a timely manner or are not delivered, the electronic payment institution shallcontact with the original notification agency prior to rescinding the watch-listed status of the e-payment account.An electronic payment institution shall establish internal operation guidelines for identifying suspicious or unusual transactions of e-payment accounts and registered stored value cards.
中文原文 電子支付機構業務管理規則第34條
本規則所稱疑似不法或顯屬異常交易電子支付帳戶及記名式儲值卡之認定標準及分類如下：
一、第一類：
（一）屬偽冒註冊或記名者。
（二）屬警示電子支付帳戶者。
（三）屬衍生管制電子支付帳戶者。
二、第二類：
（一）短期間內頻繁申請開立電子支付帳戶，且無法提出合理說明者。
（二）使用者申請之交易功能與其年齡或背景顯不相當者。
（三）使用者提供之聯絡資料均無法以合理之方式查證者。
（四）電子支付帳戶經金融機構或民眾通知，疑為犯罪行為人使用者。
（五）電子支付帳戶內常有多筆小額轉出入交易，近似測試行為者。
（六）短期間內密集使用電子支付機構之服務或設備，與使用者日常交易習慣明顯不符者。
（七）電子支付帳戶久未往來，突有異常交易者。
（八）符合電子支付機構防制洗錢及打擊資恐注意事項範本所列疑似洗錢表徵之交易者。
（九）其他經主管機關或電子支付機構認定為疑似不法或顯屬異常交易之電子支付帳戶或記名式儲值卡。
法院、檢察署或司法警察機關以公文書通報或透過銀行通報電子支付機構將電子支付帳戶列為警示或解除警示者，如屬重大緊急案件，法院、檢察署或司法警察機關得以電話、傳真或其他可行方式先行通知，並應於通知後五個營業日內補辦公文書資料送達電子支付機構，逾期未送達者，電子支付機構應先與原通報機關聯繫後解除警示電子支付帳戶。
電子支付機構應就疑似不法或顯屬異常交易之電子支付帳戶及記名式儲值卡之認定及相關作業，訂定內部作業準則。
一、第一類：
（一）屬偽冒註冊或記名者。
（二）屬警示電子支付帳戶者。
（三）屬衍生管制電子支付帳戶者。
二、第二類：
（一）短期間內頻繁申請開立電子支付帳戶，且無法提出合理說明者。
（二）使用者申請之交易功能與其年齡或背景顯不相當者。
（三）使用者提供之聯絡資料均無法以合理之方式查證者。
（四）電子支付帳戶經金融機構或民眾通知，疑為犯罪行為人使用者。
（五）電子支付帳戶內常有多筆小額轉出入交易，近似測試行為者。
（六）短期間內密集使用電子支付機構之服務或設備，與使用者日常交易習慣明顯不符者。
（七）電子支付帳戶久未往來，突有異常交易者。
（八）符合電子支付機構防制洗錢及打擊資恐注意事項範本所列疑似洗錢表徵之交易者。
（九）其他經主管機關或電子支付機構認定為疑似不法或顯屬異常交易之電子支付帳戶或記名式儲值卡。
法院、檢察署或司法警察機關以公文書通報或透過銀行通報電子支付機構將電子支付帳戶列為警示或解除警示者，如屬重大緊急案件，法院、檢察署或司法警察機關得以電話、傳真或其他可行方式先行通知，並應於通知後五個營業日內補辦公文書資料送達電子支付機構，逾期未送達者，電子支付機構應先與原通報機關聯繫後解除警示電子支付帳戶。
電子支付機構應就疑似不法或顯屬異常交易之電子支付帳戶及記名式儲值卡之認定及相關作業，訂定內部作業準則。