Cash register / POS machine use method, use advantages

With the increase in the number of credit card users, many merchants have installed cash registers / POS machines to collect money for the convenience of collection. Cash registers / POS machines are machines for saving or credit card transactions through the terminal. The terminal passes The phone line dialing method will first send the information to the UnionPay platform. After identifying the relevant information, the UnionPay platform will send the deduction information to the card issuing bank. After the card issuing bank confirms it, it will send the information back to the UnionPay platform. Send the processed information to the front-end terminal, the terminal receives the confirmed information, and then prints the receipt. Do you want a deeper understanding of cash register / POS machines? Next, I will introduce the use method of cash register / POS machine, the advantages of use, the precautions for use, how to maximize the benefits, the evolution history, the difference between the first and second clear machines, the identification method, and frequently asked questions.

How to use cash register / POS machine

1. The mobile cash register / POS machine is placed correctly

When using the cash register / POS machine, avoid exposure to intense sunlight or high humidity; the cash register / POS machine should be operated on a fixed and stable table to ensure the smoothness of the wiring, and various lines cannot be open.

Second, mobile cash register / POS machine power safety

The correct connection method of the cash register / POS machine power cord: the power cord is first connected to the mobile cash register / POS machine power port, and then to the plug-in board; regularly check the cash register / POS machine power cord for disconnection, external metal wires Leaks, loose sockets, etc., shall be notified to the professional maintenance personnel as soon as they are found.

Third, the mobile cash register / POS machine is correctly turned on and off

Before turning on the power, make sure that the cash register / POS machine is powered on; long press the red "Cancel" control or press the black key on the right side of the cash register / POS machine to switch on and off (depending on different models) ; After shutdown, make sure that the device has been disconnected from the power supply.

Fourth, mobile cash register / POS machine effective heat dissipation

Ensure the space for the POS. There are heat dissipation vents on the left and right of the cash register / POS machine to keep it clear. Do not block it to avoid automatic shutdown or restart due to overheating of the cash register / POS machine.

5. Mobile Cash Register / POS Machine Safe and Clean

Keep the cash register / POS machine clean, do not place items on the machine, and be waterproof, dustproof, and oil-proof; when cleaning the cash register / POS machine, please wipe gently with a dry cloth, not with a damp cloth or Wipe the body with chemicals, such as gasoline, thinner, etc.

6. Emergency handling of mobile cash register / POS machine

When there is a paper jam problem, you should wait until the pen sheet is finished, open the printer box, take out the jammed paper, reinstall the printing paper in a good position, and close the printer box. When you move the cash register / When there are other problems with the POS machine, you should immediately cut off the power supply, discontinue use, and promptly notify the service staff to confirm the problem. General problems can be repaired under the guidance of professionals; other problems are to be handled by professional maintenance personnel and cannot be disassembled without permission.

Advantages of using cash register / POS machine

1. The scope circle can be used for domestic bank card 1 billion holders and international card 1.5 billion holders;

2. Increase payment methods, improve settlement efficiency, improve service level, and increase visibility;

3. Expansion of turnover, the general consumer psychology believes that if you do not pay cash, cardholders do not distress money, it is easier to expand the transaction amount;

4. Safe transactions, merchants avoid unsafe transactions that go to the bank to deposit and withdraw money every day;

5. Reduce cash circulation, effectively prevent the false receipt of coins and coins to spread germs and cross infection;

6. Time-saving and convenient: There is no need to worry about the risk of invalid checks, receipt of counterfeit banknotes and carrying large amounts of cash to the bank;

7. It can avoid human error and theft in cash operation;

8. Encourage customers who are short of cash but want to shop;

9. Sales records and customer receipts will be printed automatically, with fast transaction speed and strong stability;

10. Security and Convenience: Achieve door-to-door credit card payment function, merchants realize convenient payment and eliminate hidden dangers of fund security;

11. Low communication cost: The monthly fee for leased line is fixed, and the communication cost of bank card swipe transaction can be reduced by multiples, especially for large department stores and chain supermarkets;

12. Comprehensive management functions: The product provides diversified functions of query, monitoring, reporting, and automatic reconciliation, which facilitates the simple and clear operation of financial accounting management.

Precautions for using cash register / POS machine

1. Do not brush integers and close to integers:

For example, 50000, 2000, 3999.9, this is more likely to cause UnionPay order adjustment, which is not good for customer credit cards. The correct credit limit is 1650, 4283, and some people like to divide a card into several small brushes, such as 500, 2000, and 1500. This is also impossible;

2. Do not brush too much every month:

Although many cash registers / POS machines can be swiped 100,000 per day, unlimited daily, but you ca n’t swipe hundreds of thousands every day, and do n’t stop by a cash register / POS machine that cannot change the merchant and terminal code. If this is the case, the bank's risk control system will issue a red slip in early warning. You should know that UnionPay likes to check those with a large amount of credit cards. If it is found to be cashed, then it will be used.

3. Issue of credit card ratio:

It is best to swipe 8 credit cards, in conjunction with swiping 2 debit cards, the legal person of the cash register / POS machine cannot use his debit card to swipe, and it is necessary to borrow someone else's card to swipe. For example, if you swiped 80,000 today and left 20,000 as a debit card, do not swipe your credit card from beginning to end. The UnionPay intelligent monitoring system will analyze the ratio of your credit card and debit card. If there are only credit card swipe records, then the wind The control system will check your card swipe record and stop settlement if it is suspicious until it is confirmed that there is no problem.

4. Check whether the amount on the consumer receipt is correct. After confirming that the card number and name are correct, I will sign it:

Do n’t ask someone to bring a signature. If the bank adjusts the order and finds that it ’s not your own signature, even if you spend normally, it will be considered to be cashing out. Many people throw away the shopping ticket after signing, and throw it away. It will be very troublesome, so it is better to keep small tickets for more than half a year.

5. The most important point is that sometimes, due to some reasons, the card will fail to be swiped. This is because some people will continue to swipe. If they cannot swipe 10,000, then swipe 9500, or it will not work. Then swipe 9000 until the brush is successful. The risk of doing it will be very large, not only easy to cause loss of funds, but also determined by the bank's risk control system to be suspected of being realized. It must be remembered that if it is swiped at most twice, contact the consumer unit and the card issuing bank if it is not possible. , So that unnecessary risks are avoided.

Cash register / POS machine how to maximize profits

1. Selection of cash register / POS machine

In 2017, the central bank just announced the renewal of payment licenses, and several licenses such as Lok Fu failed to renew, and the acquiring business with x also imposed geographical restrictions, which shows that the central bank has effectively managed the chaos in the payment industry. However, it does not fundamentally avoid the existence of the second clearing machine. For the safety of card swiping and the timely arrival of funds, we must avoid the use of the second clearing machine, card machine, and foreign currency machine, because these are not subject to UnionPay supervision, and there is no guarantee of funds at all. .

2. Selection of credit card rate

Credit card processing fees also belong to industry chaos. At present, the central bank stipulates that there are three types of credit card rates, corresponding to different types of merchants. Schools and hospitals belong to the public welfare category, the rate is 0, and gas stations and large supermarkets are exempted. Rates 0.38, the exemption period is two years, and the other is the general category, which is 0.6. As long as the general credit card has points, it is also the type of merchant encouraged to use.

3. Time selection for credit card

The time of card swiping should be selected from the general store business hours, so as to ensure that it is not subject to risk control (risk control). If it is risk-controlled, the credit card may be derated and blocked, which is not worth the loss. Pay attention to the time interval between card swipes.

4. Credit card redemption

Because of the existence of the card-handling fee, there are generally more than 60 handling fees for 10,000. To maximize the benefits, you need to redeem the credit card points. For example, the points of the China Merchants Bank can be exchanged for fast food and food stamps, which is more cost-effective. The daily necessities are cost-effective. After hedging the handling fee and gift value, the card-swapping rate can be reduced to 2 ~ 3 points.

5. Timed credit card activities

In the process of using the credit card, different issuing banks will also hold activities from time to time, such as double points for card swiping, gifts for gifting, cash back, etc., which can reduce the cost of card swiping to varying degrees. The evolution of cash register / POS machine

1. Basic cash register: can not be connected to the network, but it can manage multiple parts, there are many types of stored goods, and the cost performance is also very low, but the product still cannot meet the needs of users;

2. Networked cash register: After this type of cash register is launched in the market, it can not only be used for stand-alone operation but also networked, suitable for use in chain stores, not only can manage multiple departments, but also can be inquired in the head office according to the network. The sales of other branches, but also simple devices such as printers, scanners, etc., have been favored by users soon after the product was launched. However, after long-term use of such cash registers, its applicability is getting narrower and narrower.

Various industries have different requirements for the functions of the cash register, which requires different operating systems, and the first two types of electronic cash registers are obviously unable to better meet market demand, so engineers have launched the third category Cash register products are also commonly referred to as POS cash registers;

3. POS cash register: The hardware used in this product uses basic accessories common to computers. Not only can it be networked, but also different cash register system software can be installed according to different industries. It can be connected to multiple networks and has a wide range of environments. , Strong anti-interference ability, and the software system can be written and designed according to the needs of users;

4. O2O dedicated cash register: This type of product is an upgraded version of the ordinary cash register / POS machine, such as the ECOPLUS Android dual-screen cash register. The cash register uses Freescale i.MX6 dual-core GPU. The performance of single-core products is improved by 100%. The industry-leading 5-wire resistive screen is used, and the Android 4.2.2 operating system is deeply customized and optimized. The operating sensitivity is higher and faster, the whole machine runs faster, and the system runs more stable The scalability is stronger and the user experience is better. The second screen can play multimedia advertisements at the checkout counter to attract customers.

The difference between the first clearing machine and the second clearing machine of the cash register / POS machine

1. Concept

1. Yiqing refers to "one-time liquidation", which means that the consumer's payment funds are directly credited to the account bound by the merchant through UnionPay (or a third-party payment platform) without clearing other third-party accounts in the middle. Between consumers and merchants, there is only one UnionPay or a third-party payment platform with a payment license to participate in liquidation, and all funds flow is clear and checkable, so the funds are safer;

2. Erqing refers to "secondary liquidation", which means that after the consumer's payment funds are settled through UnionPay (or a third-party payment platform), the funds flow to a third party (either a company or an individual), and then by This third party transfers the funds to the account bound by the merchant after operating it by himself. Due to manual intervention in the liquidation process, the funds will have certain security risks. For example, if this third-party remittance runs away, then you May cause irreparable losses.

Second, the liquidation process

1. Clear the machine:

Consumer swipe card (payment) —— → UnionPay (or licensed third-party payment platform) —— → collection account (arrival account);

2. Second cleaning machine:

Consumer credit card (payment) —— → UnionPay (or licensed third-party payment platform) —— → third-party account —— → collection account (to account)

Discrimination method of cash register / POS machine

1. You can log on to the official website of the People's Bank of China to check whether the issuing company of the cash register / POS machine has obtained a payment license. Inquiry method: People's Bank of China (Homepage) —— (Left Center) Administrative Approval Announcement —— Authorized Institution (Payment Institution);

2. See if there is an independent official query background. One clear machine has an independent background query system, which can support real-time query transaction details. If there is no independent background, it must be a second clear machine;

3. Seeing the account time, the settlement method of the first clearing machine is generally T + 1, which means that the checkout must be made on time the next day (of course, some current clearing companies will also advance their own to achieve the same day), and In order to attract customers, some merchants of second-clearing machines tempted real-time checkout, but some were unable to arrive at the account;

4. Check who the beneficiary is from the beneficiary account. Log in to the online banking background of the beneficiary account or go to the bank counter to check the details of the beneficiary. If the beneficiary is a third-party payment platform with a payment license, it will be cleared. The payer is an individual or a general company and that is the second clearing machine.