POS security card interpretation

1. Financial IC card is safe and reliable

UnionPay financial IC card, also known as chip bank card, is a new generation of bank card based on chip. It adopts international advanced smart card technology and conforms to PBOC3.0 standard and UnionPay card standard and norm of People's Bank of China.

UnionPay financial IC card built-in chip, high security, sensitive data in the card is difficult to be copied, not easy to be forged; UnionPay financial IC card has all the financial functions of ordinary magnetic strip bank card, and the card capacity is large, storage security, can provide identity authentication Intelligent functions such as membership management and point management; UnionPay Financial IC Card has an electronic cash account to support offline micropayments, improve transaction speed and save communication costs.

2. How to use financial IC cards?

UnionPay financial IC card can be divided into contact IC card and non-contact IC card. When the contact IC card is used, the card needs to be in contact with the POS machine to implement the transaction (ie, the card payment); the non-contact IC card does not need to be in contact with the POS machine, and the card needs to be placed close to the designated part of the machine, that is, the non-contact UnionPay. The IC card can be seen on the external chip. In addition to the UnionPay logo on the card surface, there is also a quick payment identifier: it can be used for transaction (ie, card payment), which can realize fast payment, similar to the public bus IC card currently used by everyone.

3, hotel accommodation and car rental precautions

Accommodation hotels and car rentals are not the same as regular consumer cards. At the time of booking, the hotel will usually ask for your credit card number as the basis for your reservation and give you the reservation number to confirm at check-in.

If you want to cancel your reservation, remember to ask the hotel for the check-out number to check out as a cancellation certificate. Otherwise, the hotel reserves the right to charge a one-day fee for the room booked in accordance with international practice.

When you stay, the hotel will ask you to first make a blank check-in. If the hotel asks for a signature, you can sign the back of the purchase order. At check-out, the amount of the purchase is filled in on the charge slip, at which point you can sign the bill.

If you want to change to cash payment when you check out, or change the new bill for any reason, please be sure to ask for the original bill and tear it up to protect your rights and interests. The practice of paying for a car rental is similar to the way hotels are stayed.

4. How to deal with abnormal transactions?

As long as the POS document is not successfully printed when the card is consumed, it is considered as unsuccessful transaction, but does not include paper jam or paper shortage. When an unsuccessful transaction occurs, you can check the status of the card and the account balance to confirm whether the card status is normal and whether the unsuccessful consumption amount is accounted for. If the card status is abnormal, the reason should be queried; if the consumption amount has been accounted for, the bank may be required to assist in the inquiry and recall the unsuccessful consumption amount.

5. What should I pay attention to when I spend my credit card?

(1) The cashier's card swiping process, do not let the card leave the line of sight; (2) use the body to block the operation gesture when entering the password; (3) check the card number and amount on the purchase order; (4) the signature should be on the back of the card (5) Do not sign the blank purchase order or the purchase order that has not been filled in; (6) Please confirm whether there is two overlaps in the signature when signing; (7) When the transaction is cancelled, It should be confirmed that the purchase order has been destroyed; (8) After the payment, the card returned by the store personnel is confirmed to be its own card; (9) The purchase order stub is properly saved, and the information is checked in time after receiving the bill.

6. What should I pay attention to when I consume overseas?

(1) The amount and total amount of the tip on the purchase order

There are three columns on the credit card purchase order: Base Consumption Amount, Tips, and Total. You can fill in the payment tip amount in the “tips” column, and add the total amount to the “Total amount” column. After confirming the error, please sign and confirm. The total amount must be correct. If you write a zero, the tip will be given too much.

(2) Currency of the purchase amount of the purchase order

When swiping a card abroad, pay attention to the currency of the purchase amount of the purchase order, for example: 1000 yen and 1000 dollars, but the difference is "100,000 miles".

7. What should I pay attention to when returning a transaction?

When processing the return transaction, the original invoice and the purchase order must be provided to the merchant, and the merchant will go through the return procedure. After the return is successful, the merchant will provide you with the corresponding return certificate. You need to keep the return certificate and the purchase order until the return is successful. If you have any doubts about the return transaction, please contact the issuing bank as soon as possible for enquiry.

8. What should I do if there is a shopping dispute?

In accordance with the practice of credit card transactions, you only need to sign the purchase order to confirm and be obligated to pay this amount. If you have purchased a bad item, please communicate with the store first. If you request a return or change other items, please ask the store for the original purchase order. If the store has cleared the purchase order receipt bank, please ask the store to make another return purchase order, reverse the original payment, and then swipe the card according to the price of the replacement product. If your monthly statement has more than one consumer item, it may be due to the negligence of the special store or bank, the credit card being fraudulently used or forged, and you have forgotten it. You can appeal to the card issuing bank by phone or in writing, and issue the card. The consumer bill will be accessed through the acquiring bank.

Before the doubtful transaction is not checked, please repay the loan first, so as to avoid unnecessary interest expenses. After the transaction is identified, if the credit card is misrepresented by a counterfeit or special store, bank negligence, etc., you do not have to bear the transaction, and the bank will refund the money back to your card account.

It is recommended that you keep the unsigned receipt of the purchase order in order to facilitate the accounting check. If the bill is read to the bank due to personal negligence, the card-issuing bank will require the cardholder to pay a certain inquiry fee. It is recommended to open the bank account change SMS notification service. Any transaction information of the bank card will be sent to your agreed mobile phone via SMS.

9. What are the risks for the waiter to swipe the card?

Go to the restaurant to eat, avoid the waiter to swipe the card when you pay the bill, if the card leaves your sight, criminals such as buying cashiers or hotel waiters who are greedy for small profits, the information on your card is easy to be stolen.

10. As long as you pay back on time, is it illegal to cash out?

The People's Bank of China has promulgated and implemented the "Measures for the Management of Credit Card Business", which clearly stipulates that cardholders are not allowed to use cash cards to collect cash and malicious overdrafts; the "Bank Card Business Management Measures" stipulates that bank cards and other equipment are used to defraud bank funds. According to the "People's Republic of China Criminal Law" and related regulations; the "Notice on Issues Related to Preventing Credit Card Risks" issued by the People's Bank of China and the China Banking Regulatory Commission clearly stipulates that it is illegal for cardholders to cash out and merchants to provide cash-out services.