Will there be any safety hazards in the Lakala card reader?

Hehe, the pro-Lakala card reader is very safe. Rest assured. Even if it is lost or stolen, there is no insecurity.

Because whether it's lost or plagiarized, it's useless to just get your card reader. Because the Lakala mobile phone card reader is a personal card tool, it must meet the following five points at the same time before it can be used: the mobile phone card reader that is verified and opened with my ID card, the bound mobile phone number, the login password set at the time of opening, the bank card (just there is useless), and the bank card password, which is impossible to use without any link.

Mobile phone Lakala from hardware to software multiple security measures to ensure the security of transactions. Built-in security chip; use of proprietary security algorithms; Secure hypertext HTTPS transmission protocol for communication; RSA asymmetric encryption method is used to encrypt user passwords. The secure key encryption system and measures such as uploading encrypted data can fully ensure the financial security of users.

First of all, Lakala's mobile card reader uses hardware encryption. Security algorithms, hardware guarantees, magnetic and dense, one machine and one secret, one secret at a time. Specially customized security soft keyboard to ensure the security of password entry.

Secondly, the following five points must be met at the same time before it can be used: the mobile phone card reader that is verified and opened with my ID card, the bound mobile phone number, the login password set at the time of binding, the bank card (just having it is useless), and the bank card password, which is impossible to use without any link.

Estimated yes. After all, it's a wireless network, not an encrypted line. It's hard to say, personal opinion.

There are too many machines, I don't know which one to choose, I've been using the fun brush, the kind of real merchants who have points for consumption, and there are too many platforms where the machine has no points.

The consequences of swiping your own card on the POS machine of Rakka are very serious, why do you say that?

Because the purpose of issuing credit cards is to make money, yes, but you have to make the bank make money, and let the bank make money with confidence.

Standard category: The user swipes 10,000 yuan, and the bank can get 42 yuan.

Preferential category: The user swipes 10,000 yuan, and the bank can get 20 yuan.

Public welfare: The user swipes 10,000 yuan, and the bank can get 0 yuan.

And the money in your credit card is financed by the way the bank's users deposit money. Banks pay a certain amount of interest to these users. The interest rate of a three-year fixed deposit is about 4%, that is, if you deposit 10,000 yuan, the bank needs to pay 240 yuan in interest.

Of the above three merchant types, it is clear that only the first one can make a bank profitable.

In addition, there is a very serious existence in Lakala's POS machine, that is, false transactions, and his business name is almost impossible to find on the China Industrial and Commercial Information Network. That is, the merchant name is false.

You must know that credit card consumption is a kind of financial transaction, which is very rigorous. The name of the merchant on the receipt of the transaction is the full name of the merchant's business license, and not a single word can be mistaken. If you have used Lakala's POS machine, you can compare the transaction receipt or the merchant name on the purchase order to the China Industrial and Commercial Information Network, or Tianyancha, Qichacha, Aiqicha, etc., you can query the name of the business license on the platform for comparison.

If the name can be casually typos, more words, less words, then the name of the business can be replaced by 123456798, and Chinese characters will not be used at all. Let's have a snack!

Therefore, if the landlord does have the need to use the POS machine to swipe the card, it is recommended that you should choose a regular, safe, and non-code-skipping POS machine to use it to be more reliable.

So, what kind of POS machine can be regarded as a POS machine without code hopping? No code hopping POS machine, abbreviated as BMTPOS.

Through the above definition of btmpos to a certain degree, it is not difficult to find that it must have the following requirements at the same time:

The name of the merchant must be 100% truthful, and not a single word can be mistaken.

The merchant code on the transaction receipt or purchase order must be 15 digits and cannot contain special symbols such as letters.

The address of the merchant should be in the same area as you, not in Beijing, but the merchant who came out of the transaction is in Yunnan.

Hearing is false, seeing is believing, what is the quality of a POS machine, you can't just listen to anyone's words, you must see the essence of this POS machine through your own inquiries to determine.

Liar, I've been deceived by hundreds. I searched the Internet and found that there are many people who have been deceived!

Handan City, Hebei Province, Lakala POS machine ** business, under the guise of CCB credit card service center, said to do a large credit card for you, in essence, it is to promote Lakala POS machine, let you transfer 299 yuan to help activate the machine, the result is 299 yuan and said that it is a deposit, swiping the card and overcharging fees for no reason, asking him to tell you that it is a traffic fee, and if you want to return the machine, you must brush 10,000 yuan, and finally no one will pay attention to you, in fact, it is a**, hit his after-sales **17332111616, or no one answers, As long as you pick it up, it's full of routines, and it's not negotiable to cheat you out of money, so don't be fooled!!

If the problem is not solved after the complaint, you can unite other deceived users to complain to the People's Bank of China. Under normal circumstances, you can call the customer service of the payment company of the corresponding POS machine brand to complain, if you only complain about the deposit, you can find the superior agency that handles the business, if you do not deal with it in time, you can find the payment company to complain, and the payment company will return the deposit to your account.

The second method is the black cat complaint platform, no matter what the situation is, you can complain here, and it can basically be resolved. You can also call UnionPay.

Customer service complaints, UnionPay will supervise the payment company, if the situation is true, it will order the payment company to rectify, if it reaches this point, it means that the problem is very serious, the complaint is no longer important, the best way is to protect their legitimate rights and interests.

POS machines will encounter some common routines in the process of use, users can withdraw to understand, once encountered, they can also be avoided in time. The POS machine is an irregular machine, I thought it was cheap, and I handled the POS machine with a low rate or no money for free, and I don't know whether the ** of the machine is supervised by the Ministry of Banking Regulatory Commission, resulting in the money not being in the account after swiping the card, and I don't know who to find someone to complain about, so I can only bear the loss.

Regular POS machines are regulated by the China Banking Regulatory Commission.

If you find that the service fee or deposit is deducted when using the machine, you will think that you have been fooled, and in this case, you can directly find a refund from the first business, and if the first business can not solve the problem, you can find the payment institution to which the machine belongs.

to solve. There is also a situation that must be vigilant, if you receive the content for the machine to stop using, please reply to the receipt information company will mail ** machine. Ignore this kind of text message and want to buy a lot of user information from it.

If you follow the operation of **, not only can you not receive the machine, but also may cause economic losses.

You can go to the industrial and commercial bureau to defend your rights, report them to the staff of the industrial and commercial bureau, and then they will be arrested.

If you want to apply for a credit card machine, you can directly bring the required information to any bank can be handled, and what information is needed or go to the bank counter to consult and understand, because each bank's requirements and policies are different, let the staff help you handle it. You can also apply for a third-party payment company, and the third-party machine is the same as the bank machine. Nowadays, many of them are third-party parties.

The free credit card machine is to hope that you can use the card to collect money, and there will be a commission for the handling fee.

When preparing to handle, you should ask the following points clearly to avoid getting tired when handling it.

1.When the machine receives a payment with a card for the first time, will a sum of money be deducted as a "service fee" (or "frozen deposit")? How much to deduct?

At present, many brands of machines have adopted a deposit model similar to "how much money is frozen, and how much money is returned after swiping the card". The higher the "freezing fee", the lower the user's intention to handle it. Therefore, in order to successfully "take you", before you handle it, some ** businessmen do not take the initiative to tell you that they will deduct a sum of money from you for the first time.

Wait until you've done it, and the duck will be cooked.

2.Is the money enough to be refunded by a certain trading volume?

If you don't ask, even if you meet the trading volume, some ** merchants will not return the money to you.

3.How will it be returned (automatically or manually)?

If the system automatically returns, when it is time to return, pay attention to whether the account has arrived. If you return it manually, remember to ask the business, sometimes it is not necessarily that the businessman does not want to give, and it is also possible that there are too many customers who will be negligent and missed, so you must remember to take the initiative to ask when the time comes.

4.Is it a cash back or a fee voucher?

The policy of some brands is not cash, but the credit card collection fee deduction coupon, which should also be asked clearly before handling it to avoid unpleasantness.

At this time, it is necessary to call the police in time, and be sure to seek help from the first, and then you can also contact the relevant staff of the credit card machine directly, and you must usually improve the awareness and ability to prevent fraud.

In this case, you should report to the police or appeal to the court in time to protect your legitimate rights and interests.

There are no consequences for the POS machine to swipe its own card, as long as it is a legitimate machine. The credit card turnover is large, and it will give us a raise, and the flow of funds after the credit card is swiped:

1. First of all, they are all uniformly flowed into the UnionPay reserve account. Wait until the second day, which is after the second business day, these accounts are settling the amount to the merchant of the POS machine.

2. This is actually tantamount to blocking the information between the two sides like a wall. That is, there is no contact between the credit card issuer and the settlement bank, and they have no way to see each other's transaction information.

3. Generally speaking, the POS machine will automatically match us with a merchant, that is, the system will automatically match us after swiping the card. Generally speaking, there are merchants with points, such as the well-known catering industry, as well as the entertainment industry, as well as hotels and other merchants. In this way, it is very helpful to Ting'er, because UnionPay and the bank have received information that shows that the consumption of these cardholders is real consumption, and the points are very high, so it is of great help to Penguin.

In this way, you don't have to worry about this or that at all, just take the card and swipe it.

4. The credit card belongs to the bank card, but the POS machine belongs to the third-party payment company, and the information between the two is not flowing. In other words, the bank can't see who is the owner of the POS machine, and the payment company doesn't know who the cardholder is.

5. So it's no problem to use your own POS machine to swipe your credit card. But when swiping the card, you must remember such a thing, that is, when looking for a machine, you must find those clear machines, and you must not look for those machines that jump codes randomly. That can be very harmful, for example, if you sometimes spend here, and as a result, his bill will be out there, and this problem will occur.

6. For example, if you sleep in a hotel for one night, but the bill comes out that you also consumed a certain medicine in the hospital, which seems very wrong, so try not to do this, so as not to cause unnecessary danger, and don't let the bank's risk control system capture you.

Safe.

Choose. At present, Lakala Pay ranks second in the industry in terms of the scale of the tolerant end, and its market share of smart POS products ranks first in the industry.

Since the establishment of Lakala in 2005, Legend Holdings has successively made long-term investments in Lakala in the form of financial investment and strategic investment, accompanying Lakala from start-up to maturity. With the listing of Lakala in April 2019, the advantages of Legend Holdings' unique development model driven by "strategic investment + financial investment" have once again been highlighted.

"Lakala" is also the first listed third-party payment company in China.

As a leading third-party payment company in China, Lakala ranks first in the industry in terms of market coverage, and Lakala's payment business covers 400 cities above the prefecture level across the country, fully covering the application scenarios of retail, catering, insurance, tourism and other industries.

The application process is efficient and simple, as long as the merchants who meet the application prerequisites and application conditions can submit an application on the official website, and the review can be completed within a few days.

The biggest problem of Lakala POS machine is the jump code, which is also the most serious problem in the domestic POS machine market.

Because the normal rate is, those below this rate don't need to be considered, because no one is doing charity, and it is equal to this rate, and it is impossible not to make money. But in order to attract customers, these POS machine manufacturers will definitely try to reduce their own rates.

Among them, their profits depend on machine code hopping to earn the corresponding price difference and obtain profits.

In fact, the method of querying whether POS is code hopping is also very simple, but too many people don't know. As long as we get a software called "UnionPay", we can check whether the merchant of our transaction is real in one minute, and whether there are points for swiping the card, etc.