Banks will conduct a comprehensive verification of your identity information, including name, ID number, address, and contact information. Through official channels, such as ID verification systems and corporate credit information networks, confirm the authenticity of this information. For example, for individual clients, check whether the provided ID documents are valid and whether there are cases of forgery or impersonation; for corporate clients, verify the company's registration information, legal representative identity, business scope, etc.
In addition to basic information, they will also delve into your occupation, income sources, and business conditions. For example, for an individual client claiming to be a corporate executive, verify the scale, industry status, and financial condition of the company they belong to, to assess whether their income matches their position. For corporate clients, investigate their upstream and downstream partners, trading models, fund turnover conditions, etc. If the source of the client's funds does not match the claimed background, it may indicate suspicious situations.
Investigate the associated parties of the client, such as family members, related companies, etc. Therefore, when you are being controlled, there must be many risk points; you cannot just find some game equipment transaction screenshots online to get through. It's just that they don't want to dig deeper.
Ordinary people will not trigger these systems as long as you use them normally in daily life and work. Only abnormal changes in transaction amounts and frequencies can trigger these warnings. For example, if you are a blue-collar worker and usually have small transactions, just eating a pig's foot rice for a dozen or twenty yuan, and suddenly want to enter the cryptocurrency market with a big bet, a large transaction suddenly appears, or the transaction frequency significantly increases, this will trigger the first stage of warnings, and if there is no reasonable explanation, such as no large promotional activities or new business cooperation, it will require close attention, but at this time you will not be directly risk-controlled.
Your fund flow should not have unreasonable situations, for example, funds are frequently and rapidly transferred between multiple accounts, and there is no obvious economic connection or reasonable transaction background between these accounts.
Or if the funds flow to high-risk areas or sanctioned countries, such as some offshore financial centers with high money laundering incidents or areas with terrorist activities, this is what many people in the crypto world say about transferring money out and then bringing it back, which is not very possible; they are just talking nonsense.
In addition, if the nature of the accounts during inflows and outflows does not match, it will also raise suspicion about you, such as personal funds flowing into corporate accounts for non-operating purposes.
You should be aware of any abnormal circumstances regarding the time and place of the transaction, for example, making large transactions during non-business hours, or clients frequently conducting transactions at different locations or even different countries, and these transactions lack reasonable business or personal reasons. If a client frequently makes cross-border transfers late at night with large transfer amounts, it is necessary to investigate the real purpose of their transactions.
This is why many people encounter protective stop payment when trying to gain points at night. Your account, which is gaining points, happens to be a fraud-regulated account. If you transfer money to the other party in the middle of the night and you don't trigger anti-fraud warnings, who will?
You must clearly explain the purpose of the transaction, without ambiguity or contradictions, as this may indicate suspicious funds. For example, if you make a large fund transfer claiming it is for purchasing goods but cannot provide detailed information about the goods, such as brand, model, supplier, etc., or the information provided does not match the actual situation, or the transfer amount differs significantly from the price of the goods, there will be issues. It's best to annotate each of your real transactions.
If you sell virtual currency, you must ensure the safety of your funds first, then do not enter and exit quickly, just retain normally, and absolutely do not participate in online gambling, etc.