Pos machine binding credit card is mainly used for authentication. Because many personal credit card swipers, such as hand brushes, directly transfer money to the user's bank card when they are used, that is, they can only pay after swiping the card. At this time, the payment institution needs to advance the money to the user first, so it is necessary to verify the identity and submit the credit certificate to the payment institution, so binding the credit card is the most direct way to submit the certificate.
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1, POS machine
POS machine is a terminal reader equipped with barcode or OCR code technology. It has cash or barter exchange limit cashier function, provides data service and management function for commodity and media transactions, and carries out non-cash settlement. Widely used in electronic systems in retail, hotel and other industries. Its main function is to count the sales, inventory and customer purchase behavior of goods. Through this system, the working efficiency can be improved.
2. Do I need to cancel the 2.pos machine when it is no longer used?
When the POS machine is not used, you can choose not to cancel it. Generally, it won't have any impact, because there is no charge when the POS machine is not in use. You only need to pay the handling fee for swiping the card, but you will always pay the maintenance fee if you don't cancel it.
(1) If your POS machine is handled in a bank, you can cancel it directly in the bank; You can also find a professional to install a POS machine for you, explain the situation and then cancel. Or check the brand of POS machine, and then call customer service to request cancellation of POS machine. This method needs to provide the serial number of the POS machine. Generally, you can see which bank's POS machine is through the icon.
② If your POS machine is purchased through a third-party company, it generally does not support cancellation, so you can destroy it as long as you don't use it, so don't worry about other problems.
3. Is the arrival time of 3.POS machine real-time?
Not in real time.
① Generally, it will arrive on the second working day (some small banks will arrive in advance and arrive on the same day), and the arrival time mainly depends on your bank, and it will not be less than 3 pm at the latest.
(2) (2) The contact information of POS merchants must be kept well, and the time for adjusting orders is 180 days, so it must be kept for at least 6 months. Be sure to get the customer to sign for confirmation. If there is no receipt, the money may be compensated by the merchant.
(3) Regarding accounting, vouchers can be used for bank reconciliation. The acquiring institution will not and cannot provide accounting vouchers to merchants.
(4) The working day is the time excluding holidays. For example, it takes 65438+10.8 to swipe the card on September 30th, and there are 7 holidays in the middle.
Why do credit cards need app verification?
Real-name authentication is needed, because when you use a credit card, you can only spend it after the authentication is successful. If the authentication fails, it means that the payment cannot be completed. Therefore, before using a credit card, you need to log in to the app for real-name authentication and valid certificate binding, and then you can use the credit card after verification. Investment is risky, please make a careful decision.
What does credit card authentication mean?
Credit card authentication is the need of identity authentication. When you use a credit card to swipe your card, you can only spend it after your identity authentication is successful. If the authentication fails, it means that the payment cannot be completed.
Product source:
The earliest credit card appeared at the end of 19. From 65438 to 1980s, the so-called credit card was developed in British clothing industry, followed by tourism and business departments. However, at that time, the card could only be used for short-term commercial credit, and the money had to be paid back as needed. There was no long-term default and no credit line.
Credit cards are generally plastic cards with a special carrier, with a length of 85.60 mm, a width of 53.98 mm and a thickness of1mm. The name of the card issuer, the expiration date, the number and the name of the cardholder are printed on the front, and the chip, magnetic stripe and signature strip are printed on the back. Cardholders can use credit cards to shop, spend money and deposit and withdraw cash from banks.
It is said that one day in 1950s, Frank McNamara, an American businessman, entertained guests in a restaurant in new york. After eating, he found that he forgot his wallet and had to call his wife to bring cash to the restaurant. He was deeply embarrassed, so McNamara came up with the idea of establishing a credit card company. 1 In the spring of 1950, McNamara and his friend Schneider jointly invested110,000 US dollars to establish DinersClub in new york, the predecessor of Diners Credit Card Company. Diners' Club provides members with a card that can prove their identity and ability to pay. With this card, members can spend money in 27 designated restaurants without paying cash. This is the earliest credit card. This kind of credit card, which does not need to be handled by a bank, belongs to commercial credit card.
From 65438 to 0952, Franklin National Bank of California, as a financial institution, issued bank credit cards for the first time, becoming the first bank to issue credit cards.
1959, Bank of America issued an American bank card in California. Since then, many banks have joined the ranks of card-issuing banks. In the 1960s, bank credit cards were quickly welcomed by all walks of life and developed rapidly. Credit cards are popular not only in America, but also in Britain, Japan, Canada and European countries. Since 1970s, Hongkong, Taiwan Province, Singapore and Malaysia have also started to handle credit card business.
In the 1960s, credit cards sprouted and developed rapidly in developed countries in Europe and America, such as the United States, Canada and Britain. After more than 50 years of development, credit cards have been widely accepted in more than 95% countries around the world. In 1980s, with the development of reform and opening up and market economy, credit cards, as electronic and modern consumer financial payment tools, began to enter China, and have developed by leaps and bounds in the past decade.
After the financial crisis and the ups and downs of the domestic economy, the credit card market in China picked up on 20 16. By the end of 20 16, the total number of credit cards issued in China has exceeded 590 million. In 20 16, the transaction amount of credit card consumption in China reached 74 1.8 1 trillion, up by 10.75% year-on-year, and the proportion of credit card consumption in the total retail sales of social consumer goods continued to increase.
According to the "20 13-20 17 report on the in-depth investigation and investment strategic planning of China's credit card industry", since 20 10, the China government has implemented a prudent monetary policy and adopted a series of moderate austerity measures to curb the excessive rise of asset prices and control inflation, which shows that macro-prudential and strengthening capital supervision have become the supervision of China's banking industry. The analysis shows that the evolution of the industry structure has further optimized and diversified the product portfolio, and also increased the research and development of new industry standards and mobile payment; Deepen credit penetration; Staging business is developing in depth.
What does it mean that CCB's credit card shows authentication on the app?
The app shows CCB's credit card. Authentication refers to identity authentication.
When you use a credit card to swipe your card, you need to be authenticated before you can spend. If the authentication fails, it means that you cannot complete the payment.
There may be two reasons for cardholder authentication failure. On the one hand, it is the reason for brushing the POS machine, on the other hand, the credit card itself is in an abnormal state.
Reason for pos machine: 1. At present, most POS machines of many merchants are dial-up connections, and consumer authentication cannot be carried out if the network is disconnected or the signal is not good.
2. Some POS machines do not support certain special card transactions, such as World Cup credit card, Transformers 4 credit card, Olympic dragon card, etc., and cannot be used on POS machines issued by ICBC.
Abnormal credit card status: There are many common abnormal credit card status, such as card degaussing, card deactivation, too many password locks, and the card exceeding the validity period, which will lead to cardholder authentication failure. This situation needs to be solved by contacting the customer service of the issuing bank.
What are the reasons for the failure of credit card holders' authentication?
1. The credit card chip is damaged or demagnetized;
2. The customer has just got a new card and has not activated the card opening;
3. The credit card has expired and has expired;
4. Use single-logo foreign currency cards issued by foreign card organizations in the UnionPay channel (such cards cannot be used on domestic POS machines with UnionPay logo);
5. The account is locked and unstable to use;
6. number six. The POS machine is broken and can't receive the signal;
7. The consumer's environmental signal is not good, or the connected network is not smooth.
If only the card is not activated, the customer can use it after activating the card. If there is something wrong with the card, the customer can only use another payment method first, and then try again to see if the card can return to normal. For example, if the card is damaged or expired, he can go to the bank to get a new card. If there is a problem with the POS machine or the merchant, then the customer can trade with the POS machine or spend with other merchants, and the card itself is fine.
Extended data
What should I do if the credit card holder fails to authenticate?
First: APP card opening authentication failed. If this is the case, you should not re-authenticate. First call the bank customer service to choose manual service, explain the problem to the manual customer service, and they will find out the problem and solve it for you in detail.
Second, the machine failed to display authentication during the process of swiping the card. In this respect, you need to consider whether your card is abnormal, whether the new card is not activated, whether the consumption right has not been opened or whether the old card has expired. The failure of cardholder authentication should be a problem when swiping the card. At this time, we can look at these aspects:
1. This is the error code returned by UnionPay. Generally, you can only change your card.
2. The status of check card, whether the magnetic stripe card is degaussed frequently with the metal mobile phone, whether it is an inactive card (in this case, a credit card), whether it is locked due to too many wrong passwords entered on other machines that day, and finally whether the card is expired (in this case, a credit card). Finally, you need to call the bank customer service to confirm.
Why did Li swipe a certified credit card?
Lishi should authenticate the credit card, because Lishi is a third-party payment tool. After the settlement of UnionPay, the funds will flow to the bank card under the manager's name. When the magnetic stripe card of an uncertified credit card is limited to be swiped three times a day and the first swipe amount exceeds 1000 yuan, you need to submit your name, ID number and front photo of the bank card for review before completing the transaction; There is no such restriction on magnetic stripe cards and ic cards (chip cards) that authenticate credit cards.
1. Credit card, also known as debit card, is a credit certificate issued by a commercial bank or credit card company to eligible consumers. It is a card with name, expiration date, number and cardholder's name printed on the front, and a magnetic stripe and signature strip on the back. Consumers with credit cards can go to specialized commercial service departments for shopping or spending, and then the bank will settle accounts with merchants and cardholders, and cardholders can overdraw within the prescribed limits.
2. The credit card stipulated in the relevant laws of China (Interpretation of the Provisions of the NPC Standing Committee on Credit Cards) refers to an electronic payment card issued by commercial banks or other financial institutions with all or part of the functions of consumer payment, credit loan, transfer settlement and cash deposit and withdrawal. 20 17 12 1, the English translation and writing standards for public services were formally implemented, and the English names of credit cards were specified.
3. Credit card consumption is a non-cash transaction payment method, which does not need to pay cash when spending, and repays on the bill date.
4. Credit cards are divided into credit cards and quasi-credit cards. Credit card refers to a credit card in which the cardholder has a certain credit limit and can spend first and then repay; Quasi-credit card refers to a quasi-credit card in which the cardholder deposits a certain amount of reserve fund according to the regulations, and when the balance of the reserve fund account is insufficient to pay, it can be overdrawn within the prescribed credit limit. Credit cards generally refer to credit cards.
5.202 1 year 1 month 1 day, the credit card overdraft interest rate is determined by the card issuer and the cardholder through independent negotiation, and the upper and lower limit management of the credit card overdraft interest rate is cancelled (the original upper limit is 0.7 times of the daily interest rate).
Why the introduction of credit card manual authentication and credit card swipe machine authentication ends here. I wonder if you have found the information you need?