There are two kinds of credit cards: online transactions and offline transactions. The so-called offline transaction generally only needs to provide++,expiration date, CVV code, signature, etc. Sometimes you don't even need to sign. Although this transaction takes place on the Internet, it is not completed in real time. It is an offline transaction that the other party applies for payment after obtaining your relevant information online.
What is an offline settlement function POS machine?
-Off-line settlement means that you don't need to connect to the network or telephone line, and it takes a long time to settle with credit card receipts. The word offline transaction comes from the international card acquiring business, which is a transaction when the POS machine is offline (not connected to the acquiring bank host or UnionPay host through communication lines) (that is, credit card transactions can be conducted when the POS machine is offline); Off-line transaction information is sent to the host by the POS machine at the next online transaction or checkout. Whether the information such as++,authorization number and amount sent by the POS machine is correct or not, the host computer of the acquiring bank must accept it. If the information sent by POS is incorrect, the bank personnel should intervene manually at the end of the day. Therefore, there are great risks in offline transactions (the risk of business mistakes, the risk of intentional fraud by businesses, etc.). ), and the acquiring bank generally only opens this transaction to reputable merchants such as hotel front desk and personal air tickets.
Why does the card swiper insist that I have a POS machine that opens the offline settlement channel?
-POS machines can't know whether this card is a risk card, such as a fake card or a stolen card. What if someone takes your goods and leaves, and you can't find anyone else? The offline channel is almost unused and the risk is too great.
Is there a pos machine that specializes in international offline printing?
-Off-line transactions are limited to merchants with pre-authorization functions, such as hotels and car rentals. Domestic and foreign card pos only accepts cards issued by overseas banks of the following international card organizations or professional credit card companies: visa, mastercard, americaexpress, jcb, dinnersclub. ++Single identification cards issued by domestic banks can only be used in China.
International offline credit card reader!
-Offline credit card swiping means that there are two ways to use credit cards: online transaction and offline transaction. The so-called offline transaction generally only needs to provide++,expiration date, CVV code, signature, etc. Sometimes a signature is not even necessary. Although this transaction takes place on the Internet, it is not completed in real time. The other party only applies for payment after obtaining your relevant information on the Internet, which is an offline transaction. It's best not to use it as much as possible, the risk is too high.
If you have a credit card, don't think that it is absolutely safe if you don't leave the card and the password is not leaked. Some citizens told reporters that when paying offline by credit card, merchants only need the cardholder to provide bank ++ and the last three digits (also called credit card verification code), and they can spend by checking personal information, without a physical card or a password. Once this method is learned by criminals, its "shocking loophole" will cause huge losses to cardholders. "A few days ago, I called a travel website to book a plane ticket. At that time, the customer service staff asked him a lot of information, such as ID number, credit card++and expiration date, and the last three yards on the back of the credit card, but did not ask me the credit card password. Later, I paid offline through a credit card and successfully got a plane ticket. " Mr. Zhu, a citizen, told reporters that he felt very convenient at that time, but recently he saw a report about the "shocking payment loopholes" of related credit cards and realized that the information said at that time was very important. If the customer service representative deliberately writes this information down or reveals it to others, he can pretend to be himself and buy anything. "I thought about it. I really shouldn't choose a credit card to pay. In order to ensure safety, I am planning to cancel that credit card. "
Do you really just need to tell the merchant your name, ID number, bank ++ and the last three digits, and the validity period of the credit card, and you can pay without a password at all? The reporter conducted an investigation.
As an ordinary citizen, the reporter dialed the customer service hotline of an airline and asked if it was possible to buy air tickets for "friends" by offline payment with credit cards. The other party immediately said "OK" on the phone and asked the reporter to tell her friend's name, ID number, credit card type,++and expiration date on the phone so as to buy tickets. The staff member said that if the bank audit information is correct, the money will be deducted directly from the "friend" card provided by the reporter. In other words, even if the "friend" reported by the reporter is true or not, as long as the information such as name, ID number, bank++and the last three digits are true, you can successfully buy a plane ticket with the other person's money.
"Credit card offline payment does have great risks." In the afternoon, the person in charge of the bank card business of Bank of Communications Suzhou Branch told the reporter that they never encouraged customers to report their credit card++and other related information to anyone and businesses, nor did they encourage customers to buy anything offline. "We recommend that customers use online payment, because through online payment, credit card information is entered in the bank's online banking, and all information will not be stored in merchants."
The relevant person in charge of the bank card of Suzhou Branch of CCB said in an interview that there are some imperfections in the offline payment of credit cards, which may harm the interests of cardholders. "Our bank's credit cards have all stopped using offline payment. If a customer wants to book a plane ticket offline, he can first report his name, ID number and other relevant information to the other party for confirmation. However, when paying, the merchant must bring a mobile POS machine to face the cardholder to pay by credit card, so there is no similar loophole.
Off-line trading of pos machines is very risky. Use with caution. Offline transactions are forced to remember transactions regardless of whether they are true or not when the network is unavailable. At present, cases of credit card theft and++have been repeatedly banned. Offline transactions are not optimistic in China, and the payee is very risky.
Hope to adopt. Good luck.