Banks know that credit cards (debit cards) are swiped with payment codes. The user swipes his credit card (debit card) with the receipt code, which is also settled through the UnionPay channel. The bank is connected with UnionPay. Through the network, it can be found that users are currently swiping their own credit cards (credit cards) and payment codes. The first time it happened, the bank just warned the user. However, if this behavior occurs many times, the bank will take corresponding punishment measures.
Credit card (debit card) provides cash withdrawal service, but only needs to pay the handling fee and interest, which means there are certain risks. Please don't take any chances.
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 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.
As for the increasingly fierce credit card cashing behavior in recent years, the Shanghai headquarters of the central bank said on July 26th, 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 will directly affect 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.
Will swiping a card with a credit card machine affect credit?
You must use the UnionPay card reporting machine to ensure that the bank can make money and ensure that the card is not reduced.
How to swipe a credit card online?
You can pay online, such as using a credit card to overdraw after shopping on Taobao. You can also directly log in to official website, the bank applying for credit card, for online operation, transfer money and query. The premise of using credit card online is that you must have applied for online banking from the bank. After the application is opened, it can be used.
First, online credit card application steps:
1, select the appropriate credit card. After entering the card issuer's formal application page, you must first select the region, and then the banking system will display the card types that can be applied for in this region, select your favorite card, and then click Apply Now to enter the application card information filling page.
2. Fill in and submit the information. When filling in the personal application information, you must fill in the recent valid information, otherwise it is very likely to be rejected during the review. After filling in the form, click Submit on your own initiative, and then the system will conduct an automatic preliminary review and submit it to the local branch for further review.
3. Check the progress. After submitting personal application information, the applicant should check the progress of card processing through the bank website or customer service phone in time to know the processing status in time.
4. Activate the credit card. When you receive a credit card, it doesn't mean you can use it immediately. You need to activate your credit card. Applicants can apply for activation on the bank website or call customer service. As long as the activation is successful, it can be used normally.
Two, the use of credit cards mainly pay attention to the following points:
1. Cardholders can use credit cards as much as possible in their daily consumption, especially to increase the expenditure of large-scale consumption (except for wholesale consumption, which is not only not conducive to increasing the credit limit, but may also be suspected of illegal cash withdrawal).
2. After spending continuously for several months, you can take the initiative to apply to the bank, and the card department will decide whether to increase the quota according to the cardholder's consumption record.
3. Provide proof of assets income. Actively provide the bank with proof of asset income. The more detailed the proof materials, the higher the income and the higher the credit line approved by the bank.
4. Repay in full and on time. Try to repay in full and on time every month.
5. Temporarily increase the quota. If there is a large consumer demand, you can temporarily increase the amount to the bank. The general term is one month, and some banks will take the initiative to increase the credit card limit on holidays.
Operating environment: apple 12ios 14.
Let's not introduce your credit card online.