The transfer instruction is initiated by the credit card holder! First of all, the credit card holder calls the card-issuing customer service to question a certain consumption and adjust the bill. The issuing bank sends a bill adjustment instruction to UnionPay, and UnionPay sends a request to provide a purchase order to the payment company. The payment company will contact the agent of the merchant pos and ask for the purchase order at home! If you swipe the pos by hand, you can directly provide the electronic purchase order and the cardholder information filled in when swiping the card! Then the issuing bank will provide the information to the cardholder. If the cardholder confirms that the transaction is not his own after verification, the processing time limit of the issuing bank and UnionPay is 180 days. Handle and identify whether it is the cardholder's consumption! If you confirm that I didn't spend! The credit card amount will be refunded to the cardholder! The amount of this transaction is borne by the payment company, which will let the agent bear it! The agent will call the police, find the pos machine holder, that is, the person who finally collects the money, and deal with it! If the non-cardholder transaction is confirmed, the pos cardholder will be involved in financial fraud, which cannot be solved by a simple refund!