1) If the mobile phone is lost, the person who finds it must enter the transaction password of the SD card and the password of the bank card before making a transaction. At the same time, once the loss is reported, the original card will be invalidated immediately, which can ensure the safety of users' funds to the greatest extent.
2) Authoritative cooperative banks to ensure the safety of card use.
3)POS mobile payment has five advantages to ensure its transaction security. Chen Jing, member of the National Informationization Expert Advisory Committee and former director of the Science and Technology Department of the People's Bank of China, also said that there were many discussions about the security of mobile payment at first, but in practice, it was found that although the information transmission of mobile payment was open, its transmission speed was calculated in milliseconds. Technically, it is difficult to crack the transmitted information after it is intercepted. Compared with online banking, the time for users to log on to online banking is calculated in minutes, leaving an opportunity for criminals. So the security of mobile payment is higher than that of online banking.
2. Is the hardware and software of this POS mobile phone safe? Will the card information be leaked, the card will not be paid and the money will be stolen because of the software and hardware itself?
1) The mobile phone itself is certified by the Ministry of Industry and Information Technology, and a production license is issued. Not a fake, stable performance.
2) The mobile phone POS machine adopts the international leading application server and database system. On the bank side, SSL 128-bit encryption algorithm is adopted to ensure the security of information transmission; On the platform side, using PKI/CA electronic signature authentication transmission technology, a secure payment system conforming to the electronic signature method is introduced to encrypt and verify the order information, thus ensuring the confidentiality, authenticity, integrity and non-repudiation of data transmission on the Internet.
3) Powerful firewall system combining software and hardware, perfect intrusion detection system and active defense equipment. Professional anti-hacker, anti-virus and vulnerability scanning technology. Robust J2EE architecture, JSP+JAVA BEAN+SML environment, with strong security and scalability. These measures make the security and stability of the system reach a high level, which is also an important factor for successfully passing CSTC certification. China Software Evaluation Center (hereinafter referred to as "the evaluation") was established in 1990, which is a national first-class scientific research institution directly under the Ministry of Industry and Information Technology. In the authentication field, as early as 1999, it was authorized by the former Ministry of Information Industry to carry out the qualification authentication of computer information system integration, and launched the dual-mode authentication service in 2003. It is the earliest authoritative organization in China to carry out certification services.
4) The mobile phone POS machine has five advantages to ensure its transaction security: IC card chips that meet national standards, hardware encryption, and are not easy to crack; The key system is one card and one secret, and each transaction process uses different process keys, so the cracking of one transmission cannot threaten the whole key system; Trajectory information is encrypted and stored, and there is no clear trajectory information outside UnionPay system; The transaction can be completed by double password verification of SD card password and bank card password; Application signature ensures the legitimacy of the application.
At the same time, according to the data released by the authoritative investigation agency in the United States and HAPPYPAY, the largest mobile phone POS operator in the United States, POS phones have been used to swipe their cards for billions of times in the United States, and no customer's funds have been lost due to software and hardware reasons, which is also a highlight of this POS machine. 3. How to handle the merchant version of 3.POS mobile phone and how to charge it?
Step 1: according to the personal version, first bind the personal ID card and bank card, and pass the examination within two working days;
Step 2: After the personal version is approved, submit the company's five certificates (electronic version) for use in 4-5 working days.
It should be noted that the conditions for POS mobile phones to provide five certificates to merchants are different from the traditional POS capped version. The review time is shorter and the conditions are more relaxed. It is no longer required to be a franchise store, and the running water reaches tens of thousands, as long as the company's license is complete, true and effective, and there is no illegal operation.
Charge: the charge for credit card is capped in 50 yuan, and the charge for credit card not exceeding 5,000 yuan is 1%. Credit card is 4,000 yuan, and the charge is 40 yuan, and over 6,000 yuan, only 50 yuan is accepted.
Official Rate Details of UnionPay 1003 Edition: Merchant Classification and Preferential Rate Standard (1003 Edition) 1. Hotels, restaurants, entertainment, jewellery and gold ornaments, arts and crafts (first-class merchants) (1. Service category codes of hotels and catering merchants are charged in proportion (minimum1.25%). 3 drinking places (bars, pubs, nightclubs,) villas or holiday houses used for 70 12 hours 7032 sports and entertainment campsites 7033 mobile parking lots and camping places (2) merchant service category codes for jewelry, gold ornaments and arts and crafts according to the rate (minimum 1.25%) 5094 precious jewelry, Watch Retail 5970 Arts and Crafts Store 5937 Antique Reproduction Store 5950 Glassware and Crystal Jewelry Store 597 1 Artists and galleries newly added (3) 438+0 commercial sports venues, professional sports clubs, sports fields and sports promotion companies 7996 amusement parks, circuses, carnivals, divination 7997 member clubs (sports, entertainment, sports, etc. ), Country Club and Private Golf Course 7998 Aquarium, Aquarium and Dolphin Hall 7932 Billiards and Billiards Venue 7992 Public * * * Golf Course 7994 Large-scale Game Machines and Game Places 7829 Film and television creation, distribution 7922 Drama production (excluding movies), performance and ticketing 7929 Bands and cultural performances not listed in other codes (4) The latest policy adjustment part is charged in proportion (minimum/kloc-0 .25%) 5944 silverware store 763 1 watch, clock real estate, automobile sales, wholesale (second-class merchants) (1) real estate merchant service category code is charged according to the transaction (minimum 55/ transaction) 1520 general contractor-commercial and residential building 701. The service category code of automobile sales merchants is charged according to the transaction (minimum 55/ transaction) 527 1 RV seller 551truck dealer-sales, service and maintenance recreational vehicle seller 557 1 motorcycle shop and dealer 5592 camping and RV seller 5598 snowmobile dealer 599 car, Aircraft and agricultural motorcycle comprehensive operator 5933 Pawnshop (III) Wholesale merchant service category code Charge per transaction (minimum 26 per transaction) 50 13 Motor vehicle supply and spare parts (wholesaler) 502 1 Office and business furniture (wholesaler) 5039 Building materials wholesale (wholesaler) 5044 Office and computer peripheral equipment (wholesaler) 5046. Laboratory/Medical/Ophthalmic Hospital Equipment and Supplies (wholesaler) 505 1 Metal Products Service Provider and Company (wholesaler) 5065 Electrical Parts and Equipment (wholesaler) 5072 Sanjin Equipment and Supplies (wholesaler) 5074 Pipes and Heating Equipment (wholesaler) 51KLOC-0/Stationery, office supplies, and so on. 565444 women and children (wholesaler) 5 139 footwear (wholesaler) 5 172 petroleum and petroleum products (wholesaler) 5 192 books, periodicals and newspapers (wholesaler) 5 193 flowers and plants supplies, seedlings and flowers (wholesaler) 5/kloc Air ticketing, refueling and supermarkets (three types of merchants) charge 4 1 12 railway passenger transport 45 1 1 airline 411this city and. 8+03 1 highway passenger transport 4784 road and bridge charges 4722 travel agency 4733 tickets for large scenic spots 54 1 1 large warehouse supermarket 5542 self-service gas station 5722 home appliance store 5200 large warehouse household goods store 5300 membership bulk retail store 554 1 gas station, Service station 4899 Cable TV and other pay TV services 48 14 Telecom services 4. Public hospitals and public schools (the fourth type of merchants) charge according to the rate (public hospitals 0% ~ 0.30%; Other minimum 0.00%) 8062 public hospitals 82 1 1 primary and secondary schools (public) 8220 ordinary colleges (public) 8398 charity and social welfare service institutions 9222 fines 9223 bail 931/tax payment 9399 Government services not listed in other codes (social security services Transport 40 1 1 railway transport 4 1 19 ambulance service 42 14 cargo handling and consignment-local and long-distance, mobile and warehousing companies, And local delivery service 42 15 express service (air, land or sea) 4225 public warehousing service-agricultural products, frozen products and household goods 441kloc-0/ship and cruise line service 44545 maritime service provider 4582 airport service 4789 transport service communication is not included in other codes 48 12 communication equipment and telephone. Kloc-0/6 Computer Network/Information Service 482 1 Telegraph Service Retail Store 521Wood and Various Building Materials Store 523 1 Glass, Paint and Wallpaper Retail Store 525 1 Hardware Store 526 1 Garden Supplies Store 536. Kloc-0/ 1 Department Store 533 1 All kinds of grocery stores and convenience stores 5399 Other comprehensive retail (all kinds of daily necessities) 5422 All kinds of meat retailers 544 1 Candy Nut Store 545 1 Dairy Store, Cold Drink Shop 5462 Bakery, Pastry store 5499 All kinds of food stores and specialized food retail stores 5532 auto tire dealers 5533 auto parts stores 561men's and boys' clothing and supplies stores 562 1 women's clothing store 563 1 women's clothing store 564 1 baby and children's clothing store 565/kloc-0. Family Clothing Store 5655 Sportswear Store 566555 Household Goods and Household Equipment Retailer 57 13 Floor Store 57 14 Curtains, Interior Decoration Store 57 18 Fireplace, Fireplace Protection Network and Accessories Store 57 19 Various Home Decoration Franchise Stores 5732 Electronic Equipment Store 5733 Music Store-Musical Instruments, Piano. Music Score 5734 Computer Software Store 5735 Audio-visual Products Store 581Catering and Banquet Contractor 58663 Second-hand Store 5935 Maritime Ship Rescue 5940 Bicycle Store 594 1 Sporting Goods Store 5942 Bookstore 5943 Stationery Store, Various Office Supplies Store 5945 Toys, Games Store 5946 Photography Equipment Store 5947 Gifts. Souvenir store 5948 luggage, leather goods store 5949 textile knitwear retail 5962 tourism-related service direct sales 5963 door-to-door sales 5964 catalogue sales merchants 5965 catalogue, retail concurrent merchants 5966 telephone outgoing direct sales 5967 telephone incoming direct sales 5968 subscription/order direct sales service 5969 other direct sales merchants 5972 stamp and commemorative coin store 5973 religious supplies store 5975 hearing AIDS-sales, Services and supplies 5976 Prosthetic shop (plastic surgery supplies and auxiliary equipment) 5977 Cosmetic shop 5978 Typewriter shop-Sales, service and rental 5983 Fuel dealer-Fuel, wood, coal and liquefied petroleum 5992 Flower shop 5993 Cigarette and cigar pet food and supplies 5996 Swimming pool-Sales, supply and service 5997 Electric razor shop-Sales and service 5999 Other professional retail stores, Financial industry 60 10 financial institutions-manual cash payment 601kloc-0/financial institutions-automatic cash payment 60 12 financial institutions-goods and services 605 1 non-financial institutions-foreign currency exchange, non-electronic transfer bills, temporary payment vouchers and traveler's checks 62/kl Securities companies-brokers and dealers 65 13 real estate management-property management provides personal services 72 10 laundry 72 1 1 laundry service (self-service laundry service) 72 16 dry cleaners 7265438+ 07 indoor cleaning service (carpets, sofas 722265 Marriage and Personal Affairs 7278 Shopping Services and Clubs (Trade and Brokerage Services) 7296 Rental of Clothing-Clothing, Uniforms and Formal Dresses 7297 Bathing and Massage Services 7295 Housekeeping Services 7298 Fitness and Beauty SPA 7299 Other Personal Services Not Listed in Other Codes 731/Advertising Services 732 1 Consumer credit reporting agency 7333 Commercial photography, technology, drawing service 7338 Copy and drawing service 7339 Shorthand, secretarial service (1939 Maintenance and doorman service 736 1 professional organization, temporary worker 7372 Computer programming, Data processing and system integration design services 7375 information retrieval services 7379 computer maintenance and repair services not listed in other codes 7392 management, consulting and public relations services 7393 detective, security and safety services 7394 equipment, tools, furniture and electrical appliances rental 7395 photography and printing services 7399 commercial services not listed in other codes 75 12 car rental 7565438, Repair shop 7535 car painting shop 7538 car service shop (non-dealer) 7542 car wash 7549 trailer service 7622 electrical equipment maintenance 7623 air conditioning and refrigeration equipment maintenance 7629 electrical equipment, small household appliances maintenance 764 1 furniture maintenance, renovation 7692 welding maintenance service 7699 various repair shops and related services, entertainment and amusement 7832 cinema 784 1 Audio-visual products rental store 79965433 His medical and health activities are 802 1 dentist 803 1 osteopath 804 1 massage doctor 8042 ophthalmologist 8043 optical products. Optical Shop 8049 Hand-foot Doctor 8050 Nursing and Nursing Service 807 1 Medical and Dental Laboratory 8099 Other Medical and Health Services 8 1 Legal Services and Law Firm Services 824 1 Correspondence School (Adult Education) 8244 Business and Secretarial School (Secondary Specialized School) 8249 Trade and Vocational School (Vocational Skills Training) 8299 Other schools and educational services 835 1 Children's social friendly organizations 86 1 Religious organizations 8675 Automobile Association 8699 Other member organizations 891Architecture, engineering and survey services 89 12 Decoration, decoration and gardening 893 1 The new business category (the sixth type of merchants) implements the preferential rate of 4900 business (electricity, gas, tap water, cleaning service) 6300 insurance sales, insurance and insurance premium 5960 direct sales-insurance direct sales VII. County and township preferential rates 9703 county and township preferential rates-hotel catering and entertainment 9704 county and township preferential rates-real estate and automobile 9705 county and township preferential rates-wholesale 9706 county and township preferential rates-supermarket refueling 9707 county and township preferential rates-general merchants 9708 three rural merchants 4. How about after sale?
Hardware: the mobile phone itself is guaranteed nationwide with a warranty period of one year; If there is no after-sales service point at the customer's location, it can also be delivered by.
The enterprise is responsible for maintenance; After one year, only the parts fee will be charged, and no maintenance fee will be charged;
Software: Free maintenance for life.