1. What is no card payment?
definition:
There is no need to open online banking, use payment verification elements, combined with security certification, so that cardholders can complete the payment method of Internet payment.
Cardless payment service form (using UnionPay as an example): authentication payment, ordinary payment, fast payment authentication payment: input card number password, get SMS verification code, input SMS verification code, payment successful ordinary payment: input card number password, page check code , payment successful fast payment: (premise: the card information has been bound) login, get the SMS verification code, enter the verification code, and the payment is successful.
Cardless payment VS fast payment VS withholding fast payment is a mode of no card payment, especially the dual channel interactive verification user information in the cardless payment (mobile channel downlink verification code SMS; network channel reply verification code) );
The withholding is only the financial function name. The cardless payment is the standard product packaged after the function of the deduction + signing + instant arrival and other functions. The deduction is generally referred to as an authorization, and the subsequent deduction of the authorization is granted; Authorization + secondary authorization.
Cardless payment as a standard product has a unified management back-office, unified clearing and settlement, and unified reconciliation;
Cardless payment has a transaction model;
Cardless payment has the ability to manage and process orders (including consolidated payments, etc.);
Cardless payment has security and risk control.
2. What is POSP?
Generally refers to the bank card acquiring business management system, the main functions are:
â— posp system â— clearing system â— account system â— risk monitoring system â— pos operation management â— TMS remote terminal management system â— agent service system â— merchant service system â— dedicated security encryption device
Can be achieved as follows:
â— Business information management, fuzzy search â— Business information input â— Business information preliminary review, final review â— Terminal information inquiry â— Terminal status inquiry â— Terminal outbound and inbound management â— Transaction real-time query â— Historical transaction storage query â— Risk trading alert â— Real-time clearing report â— Report analysis (transaction analysis, terminal analysis, daily transaction analysis, monthly report inquiry, annual report inquiry)
â— Real-time distribution report â— Real-time clearing system
The pre-functions of the system are:
â— Key and download management of POS equipment;
â— Legal detection and filtering of transactions;
â— transaction monitoring and diversion;
â— The security backing system plays a role in security protection and firewalls;
â— Concurrency control and transaction queuing of transactions;
â— POS transaction access and transaction message conversion;
â— Manage the enabling and disabling of each access direction.
3. What is the machine joint adjustment?
Generally speaking, the POS machine tool terminal manufacturer develops the corresponding POS machine program according to the interface message, encryption method and function provided by the acquiring institution. The industry generally refers to the machine joint debugging.
4. What is the interface message?
Generally speaking, it refers to the specification of the front terminal access interface of the POS system. The content of the message is generally the standard UnionPay 8583 message. The content is a description of each domain, various functions of the POS, processing of transactions, and the like.
5. What is concurrency?
The POS industry generally refers to the amount of high-frequency parallel data sent by credit card transactions in the same period of time. We call this transaction concurrency, which is a basis for measuring the stability of a POS system.
6. What is the secret key?
A key is a parameter that is entered in an algorithm that converts plaintext to ciphertext or converts ciphertext to plaintext.
The master key and the communication master key refer to the communication master key between the host and the terminal (including ATM, POS, etc.), and are used to encrypt and protect the work key exchanged between the host and the terminal. Refers to the administrator privilege password, which is used to set some parameters of the POS machine and update advanced features.
In addition, the work key refers to the general operator authority password, that is, the ordinary card consumption receipt transaction.
The ciphertext is displayed when the key is entered. Now the POS key is usually the same. Start 00, then password 123456.
Go to the administrator settings interface. Start 01, then password 0000, enter the normal interface. If the Pos terminal is successfully checked in, it will get the following results:
Pin key: Encrypted password
Mac key: Encrypted message
7. What is the direct connection between banks and enterprises?
Bank-enterprise direct-linking is a way for banks to provide customers with the connection with corporate online banking systems. It realizes the networking of banks and internal systems through the network. Through internal systems (such as POSP), enterprises can directly manage and mobilize their bank accounts and funds, and complete business operations such as inquiry, transfer, investment, agency and fund collection.
Eight. What gateway payment?
This is the most common form of online payment.
The approximate payment process: a third-party payment company acts as a proxy (gateway) and accesses a bunch of banks. The user selects the bank on the gateway page (can be on the merchant side or the third-party payment platform side), the page jumps to the third-party payment platform, and then redirects to the corresponding bank. The user uses the online banking (personal online banking) in the bank electronic banking official website. Or corporate online banking) to complete the payment.
Gateway payment is divided into two categories: B2C and B2B.
The concepts involved: online banking payment, bank card payment.
We generally say that gateway payment refers to online payment on a PC. Since domestic banks basically require the installation of corresponding security controls and require the bank's online banking client, this is also often complained that online banking does not support operating systems such as MAC/Linux. Compatibility issues such as browsers other than IE are not supported.
On the mobile phone side, there is also a form similar to gateway payment, but because the operation process is troublesome and the experience is not good, generally, payment forms such as quick payment are adopted.
9. What is fast payment?
The essence of fast payment is the product packaging of the withholding service (private).
The traditional authorization process for the withholding service is more cumbersome, and there are more restrictions on the application of the industry (for example, only for real-name industries). Fast payment for the demand scenario of micropayment, simplifying the authorization process (for example, only need to complete the real name authentication of the cardholder's bank card, ID card, mobile phone number), and complete the consumption confirmation through the form of the downlink SMS verification code. It is a good balance of safety and convenience.
Concept involved: withholding, bank card payment
X. What is bank card payment?
It mainly refers to the payment form based on the bank card account, and the corresponding payment forms include bank notes (book, bill of exchange, check, etc.) and bank account virtual account payment.
Bank card payments are mainly in the form of online payment and offline payment:
â— Offline payment is the usual POS receipt;
â— Online payment is what we usually call online payment.
A frequently mentioned concept related to bank card payments: no card payment.
Cardless payment is divided into: credit card no card payment (some names in the industry: motopay, ePOS), debit card no card payment.
No card payment form (in the case of UnionPay): authentication payment, ordinary payment, fast payment, bank card online payment requires the bank card to open the online payment function, and no card payment does not need to open the online payment function. The main use of payment verification elements (card number, password, mobile phone number, CVN2, CVV2, etc.), combined with security authentication (such as SMS verification code), allows cardholders to complete Internet payments.
XI. What is online banking payment?
Refers to the use of the bank's online banking client to complete the payment, generally related to online payment on the PC side. Refer specifically to the explanation of the gateway payment.
Twelve. What is QR code payment?
A method of mobile payment based on the account system generally refers to forming a two-dimensional code of the account information of the consumer, and the merchant initiates a payment order processing request to the consumer account by scanning the two-dimensional code.
Any payment method needs to be approved by the central bank to evaluate its security. If there is no clear nod, such as Alipay, WeChat, etc., the central bank can stop at any time!
XIII. What is the payment?
In the case of the acquiring business, it generally refers to the bulk payment service, which means that the bank or the payment company accepts the entrustment of the state agency, the enterprise unit or the village group and other units or individuals, and handles the business allocated by the principal. The general Erqing institutions need to find a bank to handle this business for clearing POS transactions. There are generally 4 ways:
â— General corporate online banking provides peer-to-peer lottery (pay-as-you-go) functions. Cross-banking generally passes through super online banking and requires manual operation.
â— Directly connected to the bank, the company can complete the payment through the direct connection of the bank, and it can be integrated with the business system. It is relatively automated. Generally, it can only be used for peer-to-peer payment. The time limit can be real-time and quasi-real-time, and the limit for public-to-private is generally different.
â— Super online banking, support cross-banking, through the enterprise online banking or provide the bank to provide an interface environment, generally can only provide a single stroke of less than 50,000, more than 50,000 to go to other channels, or split into multiple, only private.
â—Payment services for third-party payments (also called entrusted settlement).
The above is essentially: the merchant platform itself handles the payment request, and forms a batch of payment documents at regular intervals, and then completes the payment by means of the bulk channel.
14. What is the adjustment of the channel?
UnionPay standard bank card receipt business message domain list?
2 domain: primary account
3 domain: transaction processing code
4 domain: transaction amount
11 domain: cardholder system tracking number
12 domain: the time of the cardholder's location
13 domain: the date of the cardholder's location
14 domain: card validity period
15 domain: settlement date
22 domain: service point input mode code
23 domain: card serial number
25 domain: service point condition code
26 domain: service point PIN service code
32 domain: acceptor identification code
35 domain: two track data
36 domain: three track data
37 domain: retrieval reference number
38 domain: Authorization ID response code
39 domain: response code
41 domain: card machine terminal identification code
42 domain: the identification code of the cardholder
44 domain: additional response data
48 domain: additional data - private
49 domain: currency transaction code
52 domain: personal identification code data
53 domain: security control information
54 domain: balance
55 domain: IC card data field
58 domain: PBOC e-wallet standard transaction information
60 domain: custom domain
60.1 domain: message type code
60.2 domain: batch number
60.3 domain: network management information code
60.4 domain: terminal read capability
60.5 domain: IC card condition code based on PBOC borrowing/crediting standard
60.6 Domain: Support partial debit and return balance signs
60.7 domain: account type
61 domain: original information domain
61.1 Domain: Original Transaction Lot Number
61.2 domain: original transaction POS serial number
61.3 domain: original transaction date
61.4 domain: original transaction authorization method
61.5 domain: original transaction authority code
62 domain: custom domain
63 domain: custom domain
63.1 Domain: Custom Domain (International Credit Card Company Code / Operator Code)
63.2 Domain: Custom Domain
63.2.1 Domain: Issuer Reserved Domain
63.2.2 Domain: China UnionPay Reserved Domain
63.2.3 Domain: Receiving Authority Reserved Domain
63.2.4 Domain: POS terminal reserved domain
64 domain: message authentication code
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