Recently, UnionPay issued the "CiLian Card Acceptance Terminal Access Management Rules" (Union Union Management Committee [2016] No. 6) (hereinafter referred to as "Rules"). The purpose of the publication of the "Rules" is to clarify the requirements for the acceptance of the UnionPay card acceptance terminal, to regulate the access management of the UnionPay card acceptance terminal, and to ensure the information security of the UnionPay network. This "Rules" was officially implemented on the date of promulgation, and the original "Interim Measures for the Administration of Access Management of UnionPay Card Acceptance Terminals" (Union Union Management Committee [2012] No. 14) was also abolished at the same time. So what important things do you need to know about the new Rules? China POS machine network Xiaobian for your interpretation.
The Rules mainly have three changes and points worth noting:
First, terminal classification, mPOS and other new terminal location management
The terminals of the first institution according to different layouts and operation modes are divided into three categories: personal payment terminals, public self-service terminals, and merchant terminals.
The fixed-line I-type terminal and mPOS terminal that are reviewed and placed by the acquiring institution for personal use will be included in the personal payment terminal management. The fixed-line telephone type II terminals deployed in public places such as convenience service points are included in the public self-service terminal, and only the self-service deposit and withdrawal terminals that operate the cash storage service are not in the category of public self-service terminal management. In addition, the fixed-telephone type II terminal that is placed in the wholesale market without centralized cash register for on-site consumption, is placed at the agricultural support service point for agricultural withdrawal, and the mPOS terminal for special merchants is included in the merchant terminal. management.
Second, comprehensively refine the non-connected terminal, pay more attention to the scene
Terminal program support, flash payment priority
The "Rules" clearly states: "The terminal program should support the priority of the flash payment method is not lower than the card and credit card mode" and it is recommended that the flash payment method take precedence. In conjunction with the new initiative of “China's UnionPay 2016 Certified Enterprise Annual Meetingâ€, “the terminal no longer has a card slot and a card slotâ€, it can be seen that UnionPay has strongly supported the development of flash payment in recent years and actively promoted the development of non-receiving payment products.
Pay attention to the appearance of the face value, the terminal form requirements are clear
For the appearance of the non-connected terminal, the general requirement in the "Regulations" is that the non-receiving card reader should face the cardholder, the size is appropriate, the marking is clear, the position is conspicuous and easy to identify. And further detailed requirements "non-connected area should not be It coincides with the password key, and should not coincide with the display area. Other functional areas should not block or affect the cardholder's non-connected transaction action. The terminal form must support and facilitate the cardholder to operate automatically."
UnionPay has always explicitly requested that non-card readers should be eye-catching, and this "Regulations" specifically emphasizes that Feijie tends not to coincide with the PIN pad, and should not coincide with the display area. For pos machine manufacturers, it is future production. The appearance of the POS machine is worth noting.
Pay attention to scene construction and achieve the best non-payment payment practice
The scene is the core of payment, the consumer does not pay for payment, and different payment scenarios come into being different payment terminals. Perhaps, recognizing the important role of the scene for payment, UnionPay proposed best practice recommendations for non-contact terminals in different scenarios in the Regulations:
terminal type
Non-contact request
Suggested scene
Handheld POS terminal
Built-in contactless IC card reader
Applicable to mobile collection transactions, the terminal is not placed at the checkout counter, and is mainly based on large transactions, such as mobile payment for restaurants, logistics, insurance, etc.
Desktop POS terminal
Built-in contactless IC card reader
Applicable to scenarios where there is no fixed cashier operation, cardholder self-service use, such as self-service payment in hospitals and telecom business halls; or suitable for scenarios where the terminal is located at the checkout counter and is mainly operated by a large amount, such as restaurants and large department stores. Wait.
Desktop POS terminal
External independent contactless IC card reader
Applicable to the scene where the terminal is located at the checkout counter, which is prone to queuing, and has a large demand for small-value, visa-free and confidential transactions, such as convenience stores and chain fast food restaurants.
Desktop POS terminal
External PIN pad with non-contact IC card reader function
Applicable to scenes where the terminal is located at the checkout counter, queues have occurred, most transactions are large, and password input is required, such as large department stores and supermarkets.
Third, strengthen terminal access certification management, clear supervision and violation of liability
The "Regulations" emphasize that the management measures for terminal certification access should be strengthened and implemented to ensure the security and accuracy of terminal authentication.
In addition, the "Regulations" also clearly pointed out that China UnionPay classified the violations of the organization according to the "China UnionPay member institutions management regulations", which are the second category of violations and the third category of violations. The corresponding violations and regulations shall be taken for specific violations, and shall be implemented in accordance with the “Detailed Rules for the Implementation of the Regulations on the Acceptance of Violation of UnionPay Card Acceptance Marketsâ€.
Overall, UnionPay's regulations are based on the terminal and focus on optimizing and promoting flash payments. In July 2015, the national “Internet +†11 key actions explicitly required innovative mobile financial services. Over the past year, Internet finance has also flourished in full swing. This time, from the "Regulations" on the various humanized provisions of non-payment, it is not difficult to see that UnionPay is ambition for the cloud to pay for the market. In response to this, major POS machine manufacturers should also be prepared to produce non-connected POS terminals that meet the "Regulations" standards as soon as possible.
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