Yesterday we talked about credit card and POS machine literacy second lecture: credit card points
Today, let's take a look at some of the basics of playing credit cards and pos machines. The third part: those things that jump code and set code.
Everyone has had the experience of POS card consumption, but I don't know if you have found some of them:
It is clearly sung in ktv consumption, and the consumption list is written "some large supermarket"?
Some credit cards are swiped but there are no points, and some have small points for the brush, but no big points for the brush.
Some credit cards clearly have more credit cards, and they have repaid on time, but they have suffered bank deductions and closures.
POS machine set code and hopping code is a very common phenomenon before the card rate reform on September 6, 2016. It is happening all the time. In fact, these are all observable problems, and there are many unobservable Black-box operation, all of this is because of the "set" and "hopping code" of the pos machine.
Let's first understand what is a set of codes?
A low-cost pos machine for merchants to save on handling fees. For example, if you swipe your card at ktv, you will receive a fee of 1.25 for the merchant. However, if the merchant is handling a supermarket-type set-up machine, he only needs to pay a handling fee of 0.38 or lower, saving most of the handling fee. This is why you clearly see that the ticket is displayed on a certain entertainment city, but the credit card consumption record does show that the transaction was generated in a certain supermarket.
Next, we understand what POS machine hopping code
The problem is usually with third-party payments. The third party gives the merchant a clear 1.25 ktv pos machine, and the handling fee is also deducted according to 1.25, but if your amount reaches a certain limit (around 7000, each third party is set differently) the transaction becomes 0.38 rate or cap rate, and the middle fee is paid by the third party. If you use a small amount of this pos machine, there is no problem. This is why you obviously have 500 points on this machine, and the result is 15000. There is no reason for the points.
Therefore, after each card swiping, everyone pays more attention to the transaction information and check the above information through the POS receipt to sign and correct the signature, to avoid the inconvenience caused by the situation of the set code and the code hopping.
This situation has improved after September 6, 2016.
The above is the announcement issued by ICBC on July 19, 2016. The implementation date is September 5, 2016. For online payment, the system will send location information for online transactions, transfer and real customers who receive SMS verification code. The position is compared to identify whether the transaction is the customer's own transaction, and the financial institution is notified to the financial institution at the first time. If the comparison is found to be inconsistent, strict risk management and control measures are taken immediately; for offline payment, the security certification platform swipes the card when the transaction occurs. The location is compared with the actual location of the customer to identify whether the card is swiped by the customer and the result is communicated to the bank. The bank adopts follow-up risk control measures according to the situation to maximize the security of the user.
Let's talk about what harm
First, what effect does the pos machine have on the card hopping code set?
If you use a hopping machine to swipe your card, you will get these three results:
1. Initiating the early warning of the bank's risk control system, it is easy to be mistaken for cashing, so please select the compliant merchant when you choose the POS machine, the Bank of China is certified;
2, it is likely to lead to the closure of the card, reduce the amount, such cases have appeared several times now;
3, will affect the credit card withdrawal;
Second, how to avoid swiping the card is set and jump code?
1. First, the cardholder should pay attention to each transaction. After the transaction is completed, carefully check the transaction documents and confirm the correctness before signing and confirming. If the acknowledgment code is encountered after the card transaction is completed, you can call the bank customer service phone to reflect the situation at the first time.
2. The processing methods of each bank are different. Cardholders should be able to handle credit card processing when necessary. If the above requirements are unsuccessful, the bank may be required to manually add the credit card points corresponding to the transaction as much as possible to recover the skip code loss.
Finally, Xiaobian reminds everyone that there are a lot of POS machines recommended for you on the market. Everyone needs to pay attention to prevention. Today we will talk about it here and see you tomorrow.
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