Recently, UnionPay issued the "CiLian Card Acceptance Terminal Business Access Management Rules" (Union Banking Management Committee [2016] No. 6) (hereinafter referred to as "rules"), in terms of non-acceptance, the priority of flash payment, terminal appearance The non-connected function is highlighted, and the terminal and card interaction experience and the application scenario of the non-connected terminal are raised, and more detailed and clear requirements are put forward.
Requires flash payment priority on the terminal program
The "Rules" clearly states: "The priority of the terminal program should support the flash payment mode is not lower than the card insertion and credit card mode (recommended flash payment mode is preferred), and should support the first wave of the amount after the card is swiped. The transaction should be completed by means of a card."
In recent years, UnionPay has been promoting the development of flash payment. With the deepening of chip card migration and the requirements of the "Rules", it can be seen that the priority of the terminal program is currently flash payment ≥ card > card. At the annual meeting of China UnionPay 2016 Certified Enterprise, it also proposed the new demand of “the terminal no longer has a card slot and a card slotâ€, and it is hoped that the terminal manufacturers can design products that are more favorable for non-contact payment promotion.
More explicit requirements for the appearance of non-connected POS terminals
"Rules" 2.3.2: "The non-card reader should be oriented to the cardholder, the size is appropriate, the logo is clear, the location is conspicuous and easy to identify. The non-connected area should not coincide with the password key, and should not coincide with the display area, other The functional area shall not obstruct or affect the cardholder's non-connected transaction action, and the terminal form must support and facilitate the cardholder to operate automatically."
Non-receiving card readers are becoming more and more conspicuous. UnionPay has always required it. In addition, terminal manufacturers need to pay special attention to the fact that the non-connected area should not coincide with the password key and should not coincide with the display area. In the UnionPay flash payment classic payment scenario McDonald's, the non-connected area of ​​the self-service POS terminal is in the display, does this mean that a new round of POS terminal replacement tide is coming?
This website was informed by the China UnionPay 2016 Certified Enterprise Annual Meeting held in June this year that UnionPay has proposed new requirements for the acceptance terminal:
At present, in addition to being more intelligent and paying more attention to services, the POS terminal market is becoming more and more high in appearance and compactness of the appearance. The highlighting of the non-contact sensing area is a great challenge for the terminal manufacturer design capability.
The terminal interacts with the card to emphasize the non-contact experience.
The "Rules" released this time also required the interactive experience of the non-contact payment terminal: "The terminal with the non-contact IC card reader should have the indicator light and the buzzer, and the voice prompt can be selected. During the transaction, the terminal The cardholder should be notified of the transaction status by appropriate buzzer, eye-catching indicator light or clear voice prompt, including but not limited to when the transaction starts to be swiped, when the transaction ends, when the card is transferred, etc. It should be able to clearly distinguish between successful and failed transactions, improve the user-friendliness of the terminal, and facilitate cardholder self-service."
The interactive feedback on the transaction status allows the user to experience better in the process of using the non-received payment, and improve the customer experience that has been criticized by the details.
Not best practice, pay more attention to the scene
In the non-terminal applications of different scenarios, the Rules also give relevant recommendations:
According to different application scenarios, some practical suggestions were put forward to the acquiring institution, which highlights the fact that UnionPay pays more attention to the construction of non-receiving payment scenarios. There are scenes to pay, the scene is the core of mobile payment. Consumers do not pay for payment, and in the case of a scenario, the value of the payment can be reflected. UnionPay pays more attention to the construction of the scene, and believes that non-payment will have a better future.
In recent years, UnionPay has encountered various problems in the process of promoting flash payment. At present, UnionPay is vigorously promoting cloud flash payment based on technologies such as NFC, HCE, TSM and Token, and needs to solve more detailed market problems. The acceptance terminal is the most important part, which is directly related to the success or failure of cloud flash payment promotion. In the "Rules", the priority of flash payment is more convenient for merchants and consumers; the appearance of the non-connected function of the terminal highlights the interaction with the transaction status, allowing cardholders to experience better when using UnionPay non-connected payment. The proposal of not connecting to the terminal scene, optimizing the scene experience of the flash payment from the acquiring institution. It can be said that the "Rules" released this time takes the terminal as the entry point and comprehensively optimizes the flash payment experience.
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