Use of Minsheng Bank Credit Card:

1. Swipe card at POS machine: Swiping card at POS machine is the most common way to use credit card, and it is a method of online card swiping. When swiping a card, the operator should first check the credit card's validity period and cardholder's last name and other information.

Select the corresponding POS machine according to the card issuing bank and the currency type to be paid, and slide the magnetic stripe of the magnetic stripe credit card on the POS machine, or insert the chip credit card into the card slot to connect to the bank and other payment gateways , enter the corresponding amount.

After the remote payment gateway accepts the information, the POS will print out a receipt for payment by card (at least two copies). The cardholder should sign the receipt after checking that the information on the payment receipt is correct. After the operator checks the signature on the receipt and the signature on the back of the credit card (including that the name completely matches and the handwriting basically matches), the operator gives the credit card and a copy of the card payment receipt to the cardholder. At this point, the card swiping procedure on the POS machine is completed.

2. Card tapping with RFID machine: Card tapping on the RFID machine is a new type of credit card usage method, and it is also a networking method. When tapping a card, the operator should first check the credit card's validity period and cardholder's last name and other information. Select the corresponding card machine according to the card issuing bank and the currency type to be paid, enter the corresponding amount, and lay the credit card flat no more than 10cm above the sensor.

The RFID machine will emit a signal after sensing the credit card, and then continue the operation process. After the remote payment gateway accepts the information, the printer will print out a receipt for tap-card payment, but unlike the previous method, the cardholder does not need to Signing is faster and more convenient than before. At this point, the card sensing program on the RFID machine is completed.

3. Manual order pressing: Manual order pressing is usually used when there is no POS machine or the Internet is not available. The order pressing operation must have a pressure-sensitive copy of the "direct purchase order" (at least two copies) and a telephone number. The inspection work before pressing the order is the same as that of POS machine.

The operator uses the credit card pressing device to print the card number, name, etc. raised on the credit card onto the purchase form, and writes the amount, date and other information, and then calls the acquiring bank's authorized hotline to report Submit the card information to apply for authorization, write the authorization code obtained on the purchase form, and then the cardholder signs it after confirming it is correct. After the operator checks the signature, he hands the credit card and purchase order copy to the cardholder. At this point, the manual order pressing process is completed.

Authorization calls are usually made immediately. In some areas with poor communication or good credit ethics, merchants may encounter situations where the merchant will deliver the goods to complete the transaction after pressing the customer's signature. The authorization will be completed in the future, but the merchant is at risk of encountering credit card fraud (if a customer pays with an invalid card, it will not be discovered immediately without applying for an authorization code immediately).

4. Online payment: From the perspective of cardholders, online payment is considered to be the riskiest among several credit card payment methods, because people with malicious intentions may use phishing and eavesdropping. Steal user information through network information, fake payment gateways and other means.

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

5. TV and telephone transactions: Similar to online payments, card number, validity period, Visa CVV2 code/MasterCard CVC2/UnionPay CVN2 and other information are required.