In modern society, swipe cards have become very popular, and the application of POS machines has become very common. POS machines have become one of the common items in daily life, but are everyone aware of some basic concepts of POS machines? I am afraid that the answer is not so sure.
Today, Xiaobian specially compiled some basic knowledge about POS machines. I know that the parents have reviewed it again. I don’t know how to learn more. I hope that everyone can familiarize with and understand this knowledge, and can use POS more confidently and conveniently in daily life. machine.
I believe that you can learn the skills mentioned below and you can ride the wind and waves ~~~
POS classification
POS machine, that is, the card reader that everyone said. Currently, POS models on the market can be divided into: fixed POS, mobile POS, network POS, mobile phone P
Fixed POS and mobile POS
Fixed POS, as the name suggests, is to have a network cable or telephone line network to brush; mobile POS, you can carry it with you, it is more convenient than the fixed machine.
Network POS
The payment principle is to use the online shopping mall to virtual consumption, generate payment order links, pay by credit card online banking or through other fast payment methods, such as Alipay, virtual card swiping money to a third-party platform, and then settled to my account.
Mobile POS
The mobile phone POS is usually composed of two parts, one is the payment program on the mobile phone, and the other is a card reader inserted in the mobile phone.
What is the MCC code?
MCC is a shorthand for Merchant CategoryCode, and the Chinese name is the merchant industry code. There are tens of millions of merchants in the country. When UnionPay sends POS to merchants, it will set up a merchant number. This number is very particular, usually 15 digits, by agency code (3 digits) + area code (4 digits) ) + merchant type MCC code (4 digits) + merchant sequence number (4 digits), and the MCC code is an important part of this merchant number.
What is one machine and one yard?
After the cardholder successfully prints the card on the merchant's POS machine, the ticket will be printed out. There is a merchant number on it. From the 8th to the 11th (4 digits), the MCC code of the POS machine of the merchant is corresponding to this code. It is the industry that the business operates.
Can the name of the merchant be taken at will?
Absolutely, you can't start at random. According to the requirements of the "Business Guide for the Completion of Business Names" in the transaction message specified by UnionPay, the name of the merchant is composed of administrative divisions, font size, industry and organization.
What is the machine to join the network?
The source of the POS terminal generally has two places, or a custom machine provided by the payment company, and the POS program belonging to the brand has been installed in the POS machine. Either the bare metal sold by the POS terminal manufacturer is purchased by the downstream channel vendor, and the POS program of the model provided by the payment company is installed by itself, and the device number of the self-carrying bare metal needs to be entered into the payment company's system. database.
What is an electronic signature?
Electronic signature is a more secure and efficient new signature method that can replace traditional paper signatures. Using the electronic signature, you only need to sign on the touch screen after the transaction is completed. After the signature is completed, the POS will automatically send the signature to the system. After the delivery is completed, you can choose whether to print the paper ticket, and print the small ticket. The printed cardholder’s electronic signature is on the ticket.
What is the SN code?
The product serial number of the POS machine manufacturer for each terminal is generally called the SN number, which is generally printed on the back of the POS machine. The purchaser needs to enter the SN number in the system, and the POS machine can connect with the system background.
What is T+1/T+0/, D+1/D+0 to the account? (At this moment, are you fainted by so many 1,0, T, and D)
T+1 is the second business day to arrive (excluding rest days, holidays);
T+0 is the day of the business day (excluding rest days, holidays);
D+1 is the next day (including rest days, holidays);
D+0 is the same day of the year (including holidays, holidays).
What is the limit?
The POS limit is common in merchants that settle accounts for private accounts, such as single transaction limits, or single card transaction limits, or daily arrival limits. Different limits are required according to the different risk control policies of the acquirer to reduce illegality. The risk of trading.
What is the withdrawal fee?
The normal situation of the merchant's transaction at the merchant's POS machine is the next day, that is, t+1 is received, and the merchant needs to arrive at the account on the same day, that is, t+0 or d+0 to the account service, that is, the application needs to be withdrawn. Because the cash withdrawn is funded by others, a certain percentage of the withdrawal fee is required.
Why are some POS not checking the balance function?
Some acquirers have turned off the bank card balance inquiry function in order to prevent malicious testing of bank card password behavior.
What is a downgrade transaction?
The downgrade transaction refers to the downgrade reading of the magnetic stripe when the bank card chip data cannot be read, but now the bank gradually closes the downgrade transaction. When the POS is operated, the plugging and brushing sometimes causes the POS to promptly reject the downgrade transaction.
What is the bank number?
The Lianhang No. is the only identification mark of a regional bank. It is used for the large-value payment system, the micro-payment system, the city commercial bank draft system, and the national check image system organized by the People’s Bank of China (including the city’s same-city automatic clearing system). ) Inter-regional payment settlement services. It consists of 12 digits: 3 bank code + 4 digit city code + 4 bank number +1 digit check digit.
What is a set of codes?
In the actual credit card consumption, have you encountered the following situation? It is clear that the friend is invited to eat at the restaurant. After paying the credit card payment, the transaction document shows that the name of the merchant is xx real estate company, xx wholesale company and other names that are obviously inconsistent with the merchant type. And after checking the bill, I found that the pen should have a point transaction but no accumulated points, which is the POS machine set code. In summary, the so-called set code is the actual information does not match the merchant when the card is paid.
What is a cutting machine?
Replace the original bank card acquirer of the POS machine with the new bank card acquirer.
What is the order? (Continuous attention to our little friends must remember that we have involved this word in the previous complaints)
It means that the acquirer or UnionPay or the bank has doubts about the disputed or risky transaction, and needs to retrieve the original transaction voucher to prove the cardholder's real trading scene at the time, confirm the consumption or carry out the responsibility division certificate. It is common for the acquirer to require the POS merchant to submit certain transaction receipts for a certain period of time. Within a certain working day, the transaction is temporarily frozen and re-paid after confirmation.
What conditions will cause the order?
Credit card ordering refers to the cardholder's access to the credit card purchase order. When the cardholder disagrees with his or her own consumption, he can apply to the card-issuing bank to retrieve the purchase order saved by the merchant. In our acquiring business scenario, agents, acquirers, issuers, and UnionPay can initiate orders, usually in accordance with their “risk control standardsâ€. Common orders include: transactions conducted during non-business hours, single-card transactions are too frequent, single-card transaction amounts are too large, and there are other trading abnormalities such as transfer trading behavior.
What consumption is correct?
A credit card transaction was successfully operated on the POS machine. In the subsequent online process, the POS machine and the UnionPay settlement center failed during the data transmission process, and the system host side did not return a successful transaction prompt. The terminal could not determine whether the transaction was successful. Then, the host sends a request to cancel the flow of the transaction. When the host receives the request, it rolls back the transaction. The transaction amount is successfully returned and needs to be re-swipeed. If the transaction is unsuccessful, the transaction will be regarded as a failed transaction. However, the transaction initiator's account has been debited, and the refund needs to be contacted by the POS provider or the acquirer's customer service to manually rectify the transaction money back to the cardholder's account.
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