You can't swipe your credit card with your own pos machine. Because this operation may involve the so-called illegal cashing of credit cards, and illegal cashing of credit cards is to change the use of funds through false transactions and use the cashed funds for illegal purposes. The issuing bank does not want this to happen, which will not only harm the interests of the bank, but also affect the credit of the cardholder.
1. What is the sentencing standard for the crime of cashing in credit cards?
If a cardholder maliciously overdraws with point-of-sale terminal equipment (POS machines) for the purpose of illegal possession, he shall be investigated for criminal responsibility and convicted and punished for the crime of credit card in accordance with the provisions of Article 196 of the Criminal Law. Whoever, in violation of state regulations, uses point-of-sale terminal equipment (POS machines) and other methods, if the circumstances are serious, shall be convicted and punished for the crime of illegal business operation in accordance with the provisions of Article 225 of the Criminal Law.
If the amount of the act mentioned in the preceding paragraph is more than 6,543.8+0,000 yuan, or the funds of financial institutions are overdue by more than 200,000 yuan, or the economic losses of financial institutions are more than 6,543.8+0,000 yuan, it shall be deemed as "serious circumstances" as stipulated in Article 225 of the Criminal Law; If the amount is more than 5 million yuan, or the funds of financial institutions are not returned more than 6.5438+0 million yuan within the time limit, or the economic losses of financial institutions are more than 500,000 yuan, it shall be deemed as "the circumstances are particularly serious" as stipulated in Article 225 of the Criminal Law.
If the cardholder maliciously overdraws in the above way for the purpose of illegal possession and should be investigated for criminal responsibility, he shall be convicted and punished for the crime of credit card in accordance with the provisions of Article 196 of the Criminal Law.
Second, the credit card cash punishment measures
The new judicial interpretation of malicious overdraft of more than 5000 yuan can be sentenced to three years in prison.
In order to further crack down on credit card crimes, on June 5438+February 5, 2005, the Supreme People's Procuratorate promulgated the Interpretation on Several Issues Concerning the Specific Application of Laws in Handling Criminal Cases of Impairment of Credit Card Management, which stipulated the sentencing standards for related credit card crimes and clarified a series of difficult issues on the application of laws in handling criminal cases of Impairment of Credit Card Management.
In recent years, with the rapid development of China's credit card industry, credit card crimes are increasing day by day, and new forms of crime are constantly emerging. In particular, some lawless elements have carried out false credit card applications, credit cards and credit card cashing activities, which have developed to the degree of openness and industrialization.
In February, 2005, the National People's Congress Standing Committee (NPCSC) passed the Fifth Amendment to the Criminal Law, adding "the crime of obstructing credit card management" and "the crime of stealing, buying and illegally providing credit card information", and amending the provisions of credit card crimes.
Through Bian Xiao's introduction, we can know that it is illegal for cardholders to maliciously overdraw their credit cards. If it is serious, they will be sentenced. Don't be greedy. I hope you understand. If you have any questions about the above-mentioned related contents compiled by Hualv.com, you can consult the relevant lawyers in Hualv.com. ..
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 the 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 own credit card machine?
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 make corrections.
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.
Can pos machines swipe their own credit cards?
Yes Pos machines can swipe their own credit cards. If the pos machine is a fixed merchant's pos machine, it is best not to swipe the credit card frequently. If the credit card is swiped on the pos machine for many times, the banking system will think that the cardholder has cashed out illegally, disrupting the normal financial order, and the cardholder's credit card may be frozen. If the illegal cash withdrawal is true, the bank may cancel the cardholder's credit card, which will affect the cardholder's personal credit.
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.
Can pos swipe its own credit card? Can pos swipe its own credit card? This concludes our introduction. I wonder if you found the information you need from it?