POS machine knowledge literacy potential contact with credit card

The first one, first come to a knowledge literacy article, because many people do not know what pos is, what to do, what is the use, how to use? How can I use it reasonably? The first is its definition, the following is from Baidu.

POS (Pointofsales) Chinese means "sales point", the full name of the point of sale information management system, is a bar code or OCR code technology terminal reader, with cash or barter cashier function. Its main task is to provide data services and management functions for commodity and media transactions, and to conduct non-cash settlement.

POS is a multi-functional terminal. It can be installed in the special merchants of credit cards and the receiving network to connect with the computer to realize the automatic transfer of electronic funds. It has the functions of supporting consumption, pre-authorization, balance inquiry and transfer, etc. It is safe, fast and reliable. The basic business intelligence in large-scale transactions is difficult to obtain, and the introduction of POS system is mainly to solve the blind spot of information management in retail industry. An important part of the chain management information system.

Then talk about the classification of POS machines

(1) Traditional POS machine: With the basic function of bank card credit consumption, many payment companies are closed, and a paper purchase order will be issued. This is its advantage. Note: Be sure to let the cardholder sign and keep the small ticket for more than half a year.

(2) Mobile phone card reader: similar to an external card reader, as long as you open the phone to connect to the phone, the basic function is the same as the traditional pos machine, but the only difference from the traditional pos is that there is no small ticket, only electronic receipt. Most of these pos machines are for personal use, because customers will have doubts about entering passwords in the mobile phone card readers at the merchants. After all, there are so many machines that copy cards.

(3) Intelligent POS machine: Based on the traditional POS, some convenience functions are superimposed, such as credit card repayment, credit card recharge, etc.; third-party payment companies will also add smart platforms and 3G communication, which can realize QR code and WeChat payment. , Alipay, Flash payment, Apple pay, Xiaomi payment and other functions. In addition, there is a special mention, non-connected function, some banks have a consumption limit of less than 400 yuan, only need to touch it on the non-contact pos machine when you consume, you can complete the consumption without entering a password.

Here's how to use the machine correctly

First, about the time of credit card.

1, credit card time: normal working hours, probably between 8:00 am and 20:00 pm, except for special industries. For example, if a tea shop swipes a card at 23:00, there will be a risk warning and it will be monitored by the system, which is a normal risk management measure. The possibility of ordering is very high. Later I will talk about what is the order. So pay attention: try not to swipe the card transaction in the early morning, but the bar is normal at 23:00, the general principle is what type of merchant is swiping at what time.

2, personal credit card, the same card, the number of transactions in the same POS machine merchants should not exceed 2 times a day, not pos machine merchants every interval of preferably more than 3 hours.

Second, about the amount of credit card

1, personal credit card spending amount do not habitually an integer, such as 20000,40000,50000; or with a decimal point. And a number with a fraction, such as 20000.23, 40001 such a number.

Third, about diversified merchants

If the bank card under the same personal name is a, b, c several pos machine merchants are spending for several months in a row, it is not good, often change other machine card transactions.

At present, what is called "no card payment" on the market is a general term, also known as the POS 3.0 era.

Cardless payment refers to the payment by the payer using the Internet, mobile Internet, wireless LAN and other channels. It does not require physical cards to be read by the receiving device (ATM, POS, etc.), and can transfer acceptable currency claims to the payee. Nowadays, third-party payment institutions such as Alipay and WeChat (Tianfutong), which are well-known, subsidize the red envelope to seize the offline market. No card payment will become an inevitable trend in the development of the payment industry.