First, do not panic when encountering POS machine failure problems, we teach you how to do?
Merchants often encounter POS machines after the card is swiped, the POS machine does not print out the small ticket, but the cardholder's mobile phone has received the bank deduction prompt message. In this case, please do not bother with the merchants and customers, and should use a UnionPay card in the first time.
1. Make a query or consumer transaction on the POS machine (any amount of 0, POS opportunity prompts you to “automatically rush and succeedâ€, and the cardholder will also receive a bank reminder message that the debit has been returned to the account.
2. Let the merchant settle immediately, the consumer's money will immediately return to his card
3. Use the bank card that has just been used to make a small amount of money, and the money that has not been returned will be returned to the cardholder immediately.
This situation occurs mostly in telephone POS machines. The reason is that the data transmitted by the telephone line is unstable. If this situation occurs frequently, it is recommended that the merchants repair the telephone company to check the line.
Second, the transaction process
1) What is a positive transaction?
That is, a transaction has been set as a success flag in the terminal, but the transaction transaction package sent to the host has not received a response, that is, the terminal transaction has timed out. Therefore, it is not sure whether the transaction is successfully completed on the host side. In order to ensure the benefit of the user, the terminal resends the request to the host, requesting to cancel the flow of the transaction. If the host has successfully traded, the transaction is rolled back, otherwise the transaction is not processed. And then return the processing result to the terminal.
There are two types of results: “Chong Zheng Success†and “Chong Zheng Unsuccessfulâ€:
1. “Chongzheng Successâ€: This transaction is successfully refunded and needs to be re-swipe.
2. “Chongzheng is unsuccessfulâ€: The POS machine and the UnionPay settlement center have failed during the data transmission process. The transaction initiator’s account has been debited and the transaction initiator needs to re-swipe the transaction.
2) How do merchants judge “Chongzheng Success†and “Chongzheng Unsuccessful�
Example: A merchant's electrical appliance store consumes 500 yuan in 5-30 credit card. During the transaction, the error is corrected and the purchase order is not printed. The cardholder said that he received the bank debit memo. The merchant promptly calls the customer service hotline, and the customer service informs the record to reply after the bank reconciliation on the second day.
After the bank reconciles, “the transaction is successfulâ€, the transaction will be returned to the cardholder’s bank card.
If the merchant has delivered the goods/services: please fill out the “Special Merchant Collection/Request for Business Application Form†stamp and indicate the reason for submitting to the maintenance party, and apply for the payment into the merchant account;
After the bank reconciles, “the transaction is failingâ€, the transaction can be returned to the merchant or cardholder.
If the merchant has delivered the goods/services: please fill out the “Special Merchant Collection/Request for Business Application Form†stamp and indicate the reason for submitting to the maintenance party, and apply for the payment into the merchant account;
If the merchant has not delivered the goods/services: please contact the maintenance party, the payment will be directly returned to the cardholder.
Third, there are still some situations that need to be used for bank ordering. What is bank ordering?
1. What is bank ordering and what is the processing flow?
The word “ordering†is the bank and payment institution for the bank card acquiring business. It will be more in contact. Many people also question why the ordering occurs. Why should we adjust the order, and there are micro-friends asking questions. Answer, if not, please spray it, welcome to provide more professional answers.
"Ordering" consists of 2 words. We will first explain "single". In the process of POS credit card transaction, the cardholder needs to print out the name of the merchant, the consumption of the content, etc. at the POS machine. On the signature to confirm my consumption, the merchant should check the signature and keep the card holder's signature. The printed signature paper is “singleâ€. As the technology develops, the paper may become less and less, and become an electronic purchase order. The most important core of the single is the signature.
"Tune" this does not need to explain, the meaning of the transfer.
2. Why do you want to adjust the order?
In fact, the main purpose is to protect the legitimate rights and interests of all parties for the receipt of bank cards, and to protect the legitimate rights and interests of cardholders, special merchants, network access institutions and card organizations. (Chinese card organization is UnionPay) In fact, the card is actually a dispute transaction, the cardholder has doubts about his bank card (credit card) bill, or is not a transaction, you can submit a note to the card issuer, the card issuer will Initiating a call to the acquirer and retrieving the original transaction voucher to prove the cardholder's real trading scenario at the time. Confirm consumption, or make a division of responsibility.
3. The process of ordering?
A. Card issuer submission
The card issuer submitted to China UnionPay. Submit a confirmation query should include the following:
Card issuer code, transaction account number, transaction date, transaction time, transaction amount, clearing date, transaction serial number, terminal identification code or merchant code. If you need to adjust the order, you must also provide contact information.
B. China UnionPay
The confirmation inquiry information will be forwarded to the acquiring institution; if the time limit for submission is exceeded, China UnionPay has the right to refuse the acceptance, and the reply to the card issuer is invalid.
C. Acquiring agency processing
Answers are made within the time limit of the review according to the requirements of the confirmation inquiry. The response should include the following:
Trading account number, transaction date, trading time, transaction amount, clearing date, transaction serial number, transaction address or business name. Where a single order is required, the acquiring institution may provide the supporting documents by using the image transmission method provided by the platform; if the fax method is used, it must be provided to the card issuing institution and China UnionPay at the same time.
D. China UnionPay will review and confirm the inquiry and recovery information of the inquiry to the card issuer.
If the merchant does not keep the small ticket, the consequences are very serious if there is a problem.
Fourth, POS accepts bank card common problems and treatment methods, serial number reasons recommended treatment methods:
1. The POS displays “No dial tone†or “Please check the lineâ€.
Cause: The phone line is not connected or the communication line is faulty.
method:
(1) Press the phone keypad and there is no sound, check if the phone line behind the POS is correctly inserted into the “telephone/network†jack;
(2) The telephone can be used to check if the telephone dial tone is audible;
(3) If you still have not solved, please find the communication line maintenance personnel.
2, POS multiple dialing and dialing delay after throwing the display "outside line no dial tone"; more occurs in the telephone extension line.
the reason:
(1) The extension's outside line is not open or locked;
(2) The POS extension prefix is ​​set incorrectly;
(3) The switch is unstable or malfunctioning;
(4) The center phone number is set incorrectly.
method:
(1) Contact the switchboard office and open the extension telephone line;
(2) Contact the installer as soon as possible to reset the extension prefix;
(3) Inform the electrician as soon as possible to solve the problem of the switch.
3. The POS displays “Line busyâ€.
Reasons: (1) Multiple POSs of large merchants share a limited number of telephone lines, which are prone to telephone crowding; (2) Bank background hosts are busy; (3) Telephone lines are busy due to faults.
Method: (1) Wait a few minutes for the transaction; (2) Reduce the number of terminals connected on the same line; (3) Please find the communication line maintenance personnel.
4. POS displays “Invalid Merchantâ€.
Cause: The parameters of the POS are not established in the background host. The information of the merchant or the merchant information is not open.
Method: Telephone consultation with the installer.
5. The POS displays “The terminal number is invalidâ€.
Reason: (1) The terminal number of the issuing bank stored in the POS is inconsistent with the record of the host of the line; (2) The UnionPay Center does not have this POS terminal number or the terminal status is not enabled.
Method: Telephone consultation with the installer.
6. The POS displays “Receive Return†and then displays “Line Breakâ€.
Reason: Contact the bank phone or authorized phone.
Method: (1) Call the UnionPay Center to inquire about the transaction; (2) Query the transaction to stimulate the transaction.
7. The POS displays “Please re-tradeâ€.
Reason: (1) The serial number is repeated; (2) The MAC key is not synchronized, and the key needs to be exchanged.
Method: (1) redo the transaction just now; (2) increase the initial serial number in the POS parameter; (3) re-sign the transaction before re-signing.
8. The POS displays “System Failureâ€.
Cause: The issuer's background host has failed.
Method: Contact the bank phone or authorized phone.
9, POS shows "transaction timeout".
Reason: (1) The line is not turned on in the background; (2) The back-end system of the line is disconnected from the regional center.
Method: Redo the transaction, if it is not successful, contact the UnionPay Center.
10. MAC is wrong.
Reasons: (1) The transaction is normal first, the MAC error or message authentication code error occurs suddenly during use; (2) The installation personnel mistakes, causing the same POS terminal number to be used by more than two POSs.
Method: (1) Re-sign-in; (2) If it is not successful after sign-in, contact the installer as soon as possible to make the modification.
11, POS display query card issuer.
Cause: An error occurred in the issuer or center transaction.
Method: (1) redo transactions; (2) if not successful, contact the center.
12. No response after swiping.
Cause: The card is not in the wrong way or the bank card magnetic strip is damaged.
Method: Re-swipe the card. If there is still no response, the magnetic strip may be damaged, and the cardholder is reminded to change the card to the issuing bank.
13. The transaction is successful without a single order.
Reason: (1) The printer power supply and data cable may not be inserted properly; (2) The printer is jammed.
Method: Check if the printer's power and connection are normal. Use the “Reprint†function to repeat the receipt.
14. When making a transaction, it prompts “Invalid Transactionâ€.
Reason: The issuing bank or UnionPay Center does not allow this transaction or revoke the input of such transactions.
Method: Contact the acquiring bank or local UnionPay, try again, enter the correct information,
15. The POS machine crashes as soon as it is turned on.
Cause: The POS button is stuck.
Method: Reply the stuck button.
16. The POS machine screen has no display.
Reason: (1) The power supply is not plugged in; (2) The POS machine display is broken.
Method: (1) plug in the power supply; (2) replace the POS machine.
17. At the end of the day, the POS statistics were found to be inconsistent with the purchase order.
Reason: The transaction failed to print out the purchase order, or the purchase order was lost.
Method: Query the transaction details, re-take the purchase order; check whether the POS settlement has not been made on the previous working day.
18. The POS displays “The password is incorrect and the number of times exceeds the limitâ€. Continuous errors, the number of times exceeded.
Please contact the cardholder and the issuing bank.
Fifth, the reasons for the formation of unilateral accounts:
Bank card transactions are four-party transactions, namely: cardholders, merchants, UnionPay, and banks. After the cardholder swipes the card at the POS end, the POS opportunity sends the received transaction signal to the UnionPay Transfer Center. After receiving the transaction request, the UnionPay Transfer Center will identify the card issuing bank of the accepted bank card and send the transaction information to the corresponding Issuing bank.
When the card-issuing bank receives the request for payment, it will verify the transaction information (password, balance, etc.). If there is no abnormality, the issuing bank will feedback the deduction notice to the SMS of the UnionPay Transfer Center while sending the UnionPay Transfer Center. And issued to the cardholder to reserve the mobile phone, the UnionPay Transfer Center will give the POS a feedback signal when receiving the debit signal from the issuing bank.
At this time, the POS orders or the corresponding return code, because the bank card transaction information passes through more information nodes, the process of this transfer may succeed, but the money is always deducted, so don't think that the money is deducted. The POS will not receive the feedback signal if it must be successfully traded, such as when the card issuer feeds back to UnionPay or when the signal is terminated by UnionPay feedback POS.
However, at this time, the debit memo has been issued, which caused the cardholder to receive the SMS but the POS did not make the purchase order. (The UnionPay is fixed every night between 11 and 12 o'clock, if the POS does not receive the feedback signal. , the system will default this transaction is not established, will return the money to the issuing bank)
Unilateral account solution:
If you encounter a unilateral account during the cashier process, don't worry, try the following:
First, use the POS operation "reprint" function Purpose: to check whether the purchase order printer is faulty;
Second, use any bank card to make a check balance transaction, pay attention to whether the POS screen has the word "Chongzhongzhong", MIS observes the password keyboard, if the screen shows that the punch is successful, the cardholder will receive the refund soon. SMS (CUP POS has a positive function, but the positive function will only be activated automatically when the next online transaction)
3. If the cardholder calls his card issuing bank, the card issuing bank says that the transaction has been successful. (If the proposed information is interrupted by the issuing bank returning to the POS intermediate network, then the money in the bank data at the time indicates that the transaction has been debited. Since the issuing bank guarantees the interests of its cardholders, most issuing banks will say that the transaction is successful when they encounter such a time. However, the UnionPay will still return when it clears at night.)
In fact, we can also call the customer service center phone number: 95534 (the issuing bank said that it was successful, UnionPay said that it was not successful, what should I do? I don't believe you, you don't believe me, then you can only check the next day, the status of the next day trading It is clear that no matter whether the bank or the UnionPay can be seen on the same day.
4. You can use white paper to register the cardholder's consumption information, according to the format of the normal order, such as card number, consumption amount, time, list, signature, contact information, etc. If the next day, the transaction is not received, go to the bank. Handling procedures, (try not to use this method, the success rate of this method is not very high, and the period of recovery is longer) In fact, the best way is to brush a stroke, the more the cardholder explained, the more the cardholder If you feel that there is a problem, just say that the pen has not succeeded in brushing it, but it is better to solve it. You can try it. If necessary, we can write a description to the merchant. The general meaning is that if the day and day check clearly, the brush is clear. Guaranteed to return.
Gadiel Professional Baby Booster Seat
Zhejiang Lamon Technology Inc. , https://www.babychaires.com