How to prevent POS machine card security and black card

How to prevent the POS card from being swiped to the black card and the copy card, the specific identification is as follows:

First, confirm that the POS machine is safe and regular.

The UnionPay card must be accepted for use on pos equipment in the following cases:

The card is affixed with the "UnionPay" logo;

The card presented does not have the words "sample card", "dedicated card", or "VOID", and there is no damage or alteration;

The card presented does not belong to the card in the "stop list";

The card presented must be within the validity period;

For the issuing bank, the cardholder is required to present his valid ID card (resident ID card, military officer's card or passport) when using the UnionPay card. The valid ID card presented should be the identity of the cardholder (name, gender, appearance, etc.) ) in accordance with the relevant content on the card;

The relevant valid documents presented are in good condition, without any suspicion of alteration and forgery;

If a color photo card is used for trading on a POS terminal device, the identity of the cardholder (name, gender, appearance, etc.) should match the relevant content on the photo card;

The cardholder shall use the password to obtain the authorization certificate, and shall not use the manual authorization and pressure card operation;

The face-to-face autograph of the cardholder on the purchase order shall be consistent with the name and handwriting of the reserved signature on the back of the UnionPay card. If there is no cardholder's signature on the back of the card or the reserved signature is unclear and has been altered, it must be rejected and immediately Contact the issuing bank.

Second, the credit card merchant business risk control

Merchants of credit card machines will not accept the following UnionPay cards for use on POS machines, otherwise the risk losses caused by them will be borne by themselves.

Credit cards, debit cards, and smart cards that are not approved by the card-issuing bank;

For credit cards with anti-counterfeiting marks, their anti-counterfeiting marks are damaged or blurred;

The card issuing bank instructs the user of the credit card machine to pay the credit card;

Credit card used for the excess authorization limit;

Credit card with expired expiration date;

UnionPay card that is obviously not used by the cardholder himself;

Third, the transaction document

1. A valid transaction document

After the merchant of the credit card machine accepts the UnionPay card transaction on the POS terminal, the information such as the ticket stub and the original documents related to the transaction must be kept from the transaction date and retained for at least 24 months (except as otherwise provided by law). The economic losses caused by the merchant's improper or lost storage of the transaction documents shall be borne by the applicant;

The credit card merchant must clearly print the credit card, debit card, smart card account number, and the name of the credit card merchant and the merchant number on the transaction slip;

The UnionPay card purchase receipt shall be signed by the cardholder and must match the name and handwriting of the signature on the back of the UnionPay card;

The credit card merchant shall record the details of the goods sold or the services provided, the price in Renminbi, and the date of each transaction on the transaction document;

Nothing on the change slips may be altered.

2. Invalid transaction documents

Any transaction document submitted by a card merchant that does not meet the conditions of a "valid transaction document" may be considered invalid and has the right to recover the payment.

If the acquiring bank accepts the purchase receipt submitted by the credit card merchant, it shall explain the reason to the user of the credit card machine, and the acquiring bank has the right to directly recover or actively deduct the relevant amount that has been credited to the credit card merchant in the credit card merchant settlement account, or The amount to be paid to the credit card merchants in the future will be deducted directly.

Attachment: How to identify fake cards, copy card machine to prevent small common sense

Be sure to verify that the card number displayed on the screen of the UnionPay POS machine is the same as the card number of the cardholder;

Whether the card presented has the words "sample card", "dedicated card", or "VOID", without any damage or alteration marks;

The relevant valid documents presented are in good condition, without any suspicion of alteration and forgery;

If a color photo card is used for trading on a POS terminal device, the identity of the cardholder (name, gender, appearance, etc.) should match the relevant content on the photo card;

The face-to-face autograph of the cardholder on the purchase order shall be consistent with the name and handwriting of the reserved signature on the back of the UnionPay card. If there is no cardholder's signature on the back of the card or the reserved signature is unclear and has been altered, it must be rejected and immediately Contact the issuing bank. If necessary, the card user may be required to present his or her valid ID. otherwise! Can refuse to use his tools for consumption!

Credit cards that are declined to use the super-authorization limit; credit cards with expiration dates.

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