1, POS card swiping: swiping a card on a POS machine is the most common way to use a credit card, and it is also a way to swipe a card online. When swiping a card, the operator should first check the validity period of the credit card and the cardholder's surname.

Select the corresponding POS machine according to the issuing bank and the currency to be paid, brush the magnetic stripe of the magnetic stripe credit card on the POS machine, or insert the chip credit card into the card slot, connect with the payment gateway such as the bank, and input the corresponding amount.

After the remote payment gateway receives the information, the POS will print a receipt (at least two copies) for credit card payment, and the cardholder should sign the receipt after checking that the information on the payment receipt is correct. After checking the signature on the receipt and the signature on the back of the credit card (including the complete name matching and the basic handwriting matching), the operator sends the credit card copy and the credit card payment receipt to the cardholder. At this point, the credit card swiping program on the POS machine is completed.

2.RFID card swiping: swiping a card on an RFID machine is a new credit card usage mode and networking mode. When picking up the card, the operator must first check the validity period of the credit card and the cardholder's last name. Select the corresponding punching machine according to the issuing bank and the currency to be paid, enter the corresponding amount, and lay the credit card flat on the sensor for no more than 10cm.

After the RFID machine senses the credit card, it will send out a signal sound and then continue to run the program. After the remote payment gateway receives the information, the printer will print out the receipt for card payment. However, unlike the previous method, the cardholder does not need to sign, which is faster and more convenient than the previous method. At this point, the card swiping induction program on the RFID machine is completed.

3. Manual page: Manual page is usually used without POS or Internet connection. The pressing operation must have a pressure-sensitive copy of the Direct Purchase Order (at least two copies) and a telephone. The inspection before pressing the order is the same as that of the POS machine.

The operator prints the card number, name, etc. Note the credit card on the purchase order with a card press, and write down the amount, date and other information, then call the authorization hotline of the acquiring bank, report the card information to apply for authorization, write the obtained authorization code on the purchase order, and the cardholder will sign it after confirming it is correct. After checking the signature, the operator gives the cardholder a copy of the credit card and the order form. At this point, the manual pressing procedure is completed.

Authorized calls are usually made immediately. In some areas with poor communication or good credit discipline, merchants will encounter the situation that they will deliver the goods after signing the card to complete the transaction. Authorization will be completed in the future, but the merchant is at risk of credit card fraud (if the customer pays with an invalid card and does not apply for an authorization code immediately, it will not be discovered immediately).

4. Online payment: From the cardholder's point of view, online payment is considered to be one of the most risky payment methods for credit cards, because malicious people may steal user information by means of phishing, eavesdropping on network information, pretending to be a payment gateway, etc.

When paying online, you need to enter the card number, the validity period of the credit card, the Visa CVV2/MasterCard CVC2/ UnionPay CVN2 numbers next to the signature column on the back of the card, the online transaction password, and sometimes you need to enter the name and the verification code randomly generated by the webpage. After the input is completed, click Submit to complete the online payment.

5. TV and telephone transactions: Similar to online payment, information such as card number, expiration date, Visa CVV2 code/MasterCard CVC2/ UnionPay CVN2 is required.

Extended data:

Matters needing attention in using credit cards of Minsheng Bank:

1. Long-term empty card status: In order to reduce risks, many people make small repayments and swipe their cards out. For example, if your credit card has a limit of 20,000 yuan, you only need to pay back 2,000 yuan each time. It is a very bad phenomenon to repeat the operation after swiping out, so that the credit card will always have an empty card.

2. Short credit card interval: the intermediary holds a large number of credit cards. In order to save time, several credit cards will be swiped repeatedly on the POS machine. The interval is relatively short. According to the general process, you need to queue up for checkout. After the previous person swipes the card, he needs to sign the invoice. It takes a long time for the next person to operate after the completion, so the credit card cycle will attract the attention of the bank.

3. Frequent card swiping: Short and frequent card swiping intervals will lead to bank risk control. Many intermediaries do not have funds, and a large amount of funds need to be turned over for a long time, so a credit card will be swiped repeatedly within one day. Some people will say that it is easy to raise the amount by swiping more credit cards, but such frequent swiping behavior is definitely not recommended.

4. Raising cards with cards: Nowadays, many people are "raising cards with cards" and have more than one credit card in their hands. Generally, people who do this have two behaviors. One is to use the money in one credit card to pay off the debt in another credit card, and the other is to cash out. In fact, they are all similar in nature, and they are all "robbing Peter to pay Paul".

Baidu encyclopedia-credit card

Baidu Encyclopedia-China Minsheng Bank Credit Card Center