Yes, you can.
Credit cards can be swiped through pos machines, and spending by swiping through pos machines is the main way to use credit cards.
However, it should be noted that you can't use your own pos machine to swipe your credit card, because such an operation may involve illegal cashing. Illegal cashing refers to changing the use of funds through false transactions and using the cashed funds for illegal purposes. This will not only disturb the normal financial order, but also have a serious impact on the credit history of cardholders.
Basic principle of pos machine:
The basic principle of POS system is to create commodity data in a computer file, directly read the barcode on the commodity through the online structure of the computer cash register and the optical reading device on the cash register equipment (or directly input the code through the keyboard), and then display the commodity information (unit price, department, discount ...) immediately, so as to speed up the cash register and correct it.
The detailed information of each commodity sale (price, department, time period and customer level) is automatically recorded and then sent back to the computer by the online framework. Through computer calculation and processing, various sales statistics and analysis information can be generated as the basis for management.
The POS machine reads the magnetic stripe information on the cardholder's bank card through the card reader, the POS machine operator inputs the transaction amount, and the cardholder inputs the personal identification information (i.e. password). The POS machine sends the information to the issuing bank system through the UnionPay center to complete the online transaction, give the information of success or failure, and print the corresponding bill.
The application of POS realizes the online consumption of credit cards, debit cards and other bank cards, ensures the safety, rapidity and accuracy of transactions, avoids complicated labor such as manual blacklist inquiry and bill pressing, and improves work efficiency.
The design requirements of magnetic stripe card module meet the needs of three-track magnetic cards, that is, the module should be able to read magnetic cards with 1/2, 2/3 and 1/2/3 tracks.
Internal analysis:
Communication interface circuit usually consists of RS232 interface, PINPAD interface, IRDA interface and RS485 interface circuit. RS232 interface is usually the download port of POS program, PINPAD interface is usually the interface between host and password keyboard, and IRDA interface is usually the infrared communication interface between mobile phone and landline. Interface signals are usually composed of sending signals, receiving signals and power signals.
The modem board consists of central processing module, storage module, modem module and telephone line interface. First, the POS will detect the /RING and /PHONE signals to determine whether the voltage on the telephone line can be used. The switch is reset, you can dial, and the sending light flashes to start dialing. The communication protocol determines the handshake confirmation between the switch and the POS, and then the data exchange of the POS will start, and the signal will be sent and received through the modem circuit. Hang up when finished and end the process.
Can a mobile phone pos machine swipe its own credit card?
Yes, but using your own pos machine to swipe your card is a form of cashing out. It is illegal to cash out according to the law.
Credit card cashing refers to the behavior that the cardholder withdraws the funds in the credit limit of the card in cash by other means rather than through normal legal procedures (ATM or counter), and at the same time does not pay the bank withdrawal fee.
For the increasingly fierce credit card cashing behavior in recent years, the Shanghai headquarters of the central bank said on July 26, 2065438+00 that credit card cashing is illegal, and the central bank is studying to record the cardholder's cashing behavior in the personal credit information system, which directly affects his personal credit record.
It is not allowed for banks to swipe their credit cards with their own pos machines, but due to regulatory loopholes, if the number of times is less (less than 3 times) and the amount is less than 10000 yuan, banks may not pursue it. At this time, cashing is also a handling fee of more than 0.5%.
At present, many banks' cash installments are lower than this fee. So cashing out is not cost-effective.
If you use a platinum card for cash installment, you can get a discount, generally within 0.69%. The following is a case of Guangfa Bank's wealth management (also called cash installment).
The application for 35,000 yuan is as follows:
12 period: 0.56%, each period is still 3 1 12.67, and the total handling fee is 2352, and the handling fee is 196.
18 period: 0.63%, with a total handling fee of 3,969 and a handling fee of 220.5 per period.
24 installments: 0.66%, and each installment is still 1698.33, with a total handling fee of 5544 and a handling fee of 23 1.
The application for 30,000 yuan is as follows:
12 installment: 0.56%, 2668 for each installment, and the total handling fee is 20 16, and the handling fee for each installment is 168.
18: 0.63%, each issue 1855.66, and the total handling fee is 3402, each issue 189.
24 installments: 0.66%, and each installment is still 1448, with a total handling fee of 4752 and handling fee of 198.
Pos machines are suitable for large and medium-sized supermarkets, chain stores, hypermarkets, large and medium-sized hotels and all high-level retail enterprises.
1. has the function of IC card, and can use membership card to issue IC cards and securities internally.
2. You can talk.
3. A variety of peripherals such as scanning guns and printers can be externally connected.
4. It has the management functions of front-end and back-end sales, warehousing, distribution and other large supermarket chains.
5. The catering type has the catering service function, and can be externally connected with multiple kitchen printers, hand-held ordering machines and other peripherals.
6. It can realize unattended remote communication and data download with PC.
7. With the function of Ethernet communication, the real-time management system of the head office and branch network is formed through ADSL broadband.
Domestic Internet innovative third-party payment enterprises have integrated the electronic signature application with the POS card swiping system to realize the green and environmentally-friendly paperless POS receipt service. The application of electronic signature can not only effectively save time, money and paper, but also help to improve service efficiency and customer satisfaction, simplify business processes and improve work efficiency.
Through the electronic signature application provided by payment, there is no need to upload the receipt, which not only avoids the extra workload, but also avoids the loss of the authenticity of the transaction and the settlement for the merchant caused by the loss of the receipt. There are a series of digital "anti-counterfeiting" behind the electronic signature of payment, which can prevent the cardholder's signature from being stolen or tampered with.
The advantages of mobile phone POS machine are as follows:
1. For businessmen
Computer recording and management of every link in the process of customer management improves work efficiency and realizes optimal management. Provide a convenient payment system without space and time barriers for its own business development, speed up payment efficiency, reduce operating costs and lower the consumption threshold of target users.
2. For consumers
Payment funds are more convenient to carry and the consumption process is more convenient and simple. After the payment barriers are removed, many new consumption patterns can be better tried. Under the control of proper management mechanism and technology, the security of payment funds has been greatly improved compared with traditional POS machines.
Can I swipe my credit card with poss?
Your own pos can swipe your own credit card, but you need to pay attention to the type of your own pos machine. If it is a fixed merchant pos, then don't brush more. It is unreasonable for a credit card to spend many times in one place. Whether it's code hopping or optional pos. When swiping a card, the credit card bill only shows the name of the merchant.
Credit card type
According to different card issuers, it can be divided into bank cards and non-bank cards.
Bank card. This is a credit card issued by the bank. Cardholders can shop and spend money at the special merchants of the issuing bank, or they can withdraw cash at any time at the outlets of the issuing bank or at places with ATMs.
Non-bank card. This kind of card can be divided into retail credit card and travel entertainment card. Retail credit cards are credit cards issued by commercial organizations, such as department stores and oil companies, which are specially used for shopping in designated stores or filling gas stations. , and settle accounts regularly. Travel and entertainment card is a credit card issued by airlines, travel companies and other service industries, which is used for ticket purchase, dining, accommodation, entertainment and so on.
According to the different issuing banks, it can be divided into corporate cards and personal cards.
Company card. Company cards are issued to various industrial and commercial enterprises, scientific research and education institutions, state party and government organs, armed forces, organizations and other legal person organizations.
Personal card. Personal cards are issued to individual urban and rural residents, including workers, cadres, teachers, scientific and technological workers, self-employed households and other adult urban and rural residents with stable income sources. The personal card is applied in the name of an individual and bears all the responsibilities for its use.
According to the credit status of cardholders, it can be divided into ordinary cards and gold cards.
Ordinary card. Ordinary cards are issued to cardholders with average economic strength, credibility and status, and the requirements are not high.
Gold card. Gold card is an advanced credit card that pays a high membership fee and enjoys special treatment. Card issuers are institutions with high credit, strong repayment ability, credit or certain social status. The starting point of gold card authorization limit is higher, and the additional service items and scope are wider, so the requirements for related service fees and deposits are higher.
According to different payment methods, credit cards can be divided into credit cards and quasi-credit cards.
Credit card. That is, when the issuing bank provides bank credit, it overdraws first, and then repays or pays in installments. Most of these cards are used for international circulation. In other words, the way to allow cardholders to pay off their credit card accounts is "consume first, then deposit". Most of these cards are used for international circulation.
Quasi-credit card It is a credit card issued by a bank, which deposits first and then consumes. When applying for a credit card, the cardholder needs to deposit a certain amount of money in the issuing bank in advance as a backup. The cardholder needs to use the card on the basis of the deposit balance, and generally no overdraft is allowed.
According to the different circulation scope of credit cards, they can be divided into international cards and regional cards
International card. International card is a kind of credit card that can be used outside the issuing country and is universal. MasterCard, VISACard, AmericanExpressCard, JCBCard and DinersClubCard issued by five overseas groups (MasterCard, Visa International, American Express Card and DinersClubCard) are mostly international cards.
Area card. Regional card is a kind of credit card that can only be used in the country or region where the issuing bank is located. Most credit cards issued by commercial banks in China belong to regional cards.
Can I swipe my credit card with my mobile phone pos machine?
If you can't swipe your credit card on your pos machine, it's considered that the machine card has been closed for cash transactions. Serious cases will be considered as illegal business operations and violate the criminal law.
1. After spending continuously for several months, the cardholder can take the initiative to apply to the bank, and the card department will decide whether it is necessary to increase the limit according to the cardholder's consumption record.
2. Cardholders can use credit cards as much as possible in their daily consumption, especially to increase the expenditure of large-scale consumption.
3. Provide proof of assets income.
4. Repay in full and on time.
5. Temporarily increase the quota.
Brush when there is activity, but don't brush when there is no activity. It's not worth earning that interest.
In addition, when buying a car or a house, there is not enough temporary money to brush. In an emergency, it is better to brush each other. For example, I brush your pos and you brush my pos, which is safer.
This concludes the introduction of swiping your own credit card and swiping your own credit card with Lacarra electronic tag pos machine. I wonder if you have found the information you need?