1. Inquiry method: Call the official telephone number of China UnionPay at 955 16, and switch to manually inquiring the name and address of the merchant of this transaction (if any);
2. Confirmation method: Call the official phone number of the bank and ask for the original transaction receipt. Cardholders have the right to obtain transaction vouchers within two years, and banks will unconditionally implement them. Don't worry.
Under normal circumstances, cardholders forget, or POS consumption is not very standardized now, and there are too many payment methods, sometimes cardholders are likely to forget.
POS(Point of sales), which means "point of sale" in Chinese, is a terminal reader equipped with barcode or OCR code technology, which has the cashier function of cash or barter bank. Its main task is to provide data services and management functions for commodity and media transactions, and to carry out non-cash settlement.
POS is a multifunctional terminal. It can be installed in special merchants and acceptance outlets of credit cards, and connected with computers to realize automatic transfer of electronic funds. It has the functions of supporting consumption, pre-authorization, balance inquiry and transfer, and is safe, fast and reliable to use. It is difficult to obtain basic business information for bulk transactions, and the introduction of POS system is mainly to solve the blind spot of retail information management. An important part of chain branch management information system.
Principle analysis
The basic principle of pos machine The basic principle of POS system is to first create commodity data in computer files, and through the online structure of computer cash register, you can directly read the barcode on the commodity through the optical reading device on the cash register equipment (or directly input the code through the keyboard), and then the commodity information (unit price, department, discount ...) can be displayed immediately 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. An interface signal usually consists of a sending signal, a receiving signal and a power signal.
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.
Main classification
By means of communication
1. Fixed POS machine
Advantages: 1, convenient software upgrade and maintenance; 2, network dialing mode, fast dialing speed; 3. It is easier to clear POS transactions.
Disadvantages: online operation is required, and guests need to pay at the cashier.
Merchants suitable for integrating transformation projects.
2. Wireless POS machine
Advantages: 1, wireless operation, free payment place; 2. Small size.
Disadvantages are: 1, unstable communication signal; 2. Data is easily lost; 3. The cost is high.
Applicable to the type of merchants who collect money at the guest's residence.
Printing folding method
1. thermal POS machine
Its advantages are high printing speed, no noise during printing and low cost of consumables.
Disadvantages are: the purchase order has a short shelf life and is easily affected by the environment. Suitable for general merchant types.
2.pin POS machine
Advantages: the purchase order is kept for a long time and is not easily affected by the environment.
Disadvantages are: high printing noise and high cost of consumables.
Suitable for general merchant types.
3. Install a POS machine.
Advantages: long shelf life of purchase orders, not easily affected by the environment, and beautiful appearance.
Disadvantages are: the cost of consumables is the highest; The printing speed is slow.
Suitable for hotels, hotels, department stores and other large enterprises.