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Near the end of the year, the demand for hand-picked personal cash is increasing. According to the consumption statistics of Lakara and Le Brush, as of January 24, 2018, the monthly consumption quota of our agent has reached the average of 2017. About 2 times.
Unlike the usual "slowly raised" credit card, the sudden increase in the amount of credit card has caused many people to worry about whether they will be derated. This has increased the workload of our customer service. (POS machine industry, the workload is large before and after the Spring Festival every year)
Taking this opportunity, focusing on code hopping and set code, I will tell you what this is like a "gonggong drama."
1MCC code, I have already mentioned the article in detail before, what is the MCC code! It is a bit like the mobile phone IMEI code.
Originally, it is one machine and one code, and the corresponding one cannot be changed. When UnionPay manages transactions, it is not that you are a certain bank or a certain merchant. It only looks at the MCC code of the machine that swiped the card. The MCC code knows the location of the merchant, the type of merchant, and the merchant number. .
The appearance of the hand brush changed the inherent mode of the traditional pos machine. By brushing the location of the mobile phone, the hand brush selects a certain MCC code of the city where the mobile phone is located, thereby completing the transaction. (Of course, this merchant is basically not real)
2 Know what is the MCC code, then let's see what the skip code is.
Generally, when we brush the POS machine, we can choose the industry, such as hotels, supermarkets, spas, etc. However, after the card is consumed, the bill shows that it is a certain auto parts company, which is the hopping code.
The background of the story is finished, and the focus is on [hopping code] and [set code]. Next, the first play:
3 "hopping code" - Li Daitao
The code hopping frequently appears, why is there a code hopping? Not to mention a technical failure, this matter spread out and said that it is impossible to benefit.
According to the 2016 rate reform regulations, the rates for different industries are different. The general business general industry rate is 0.6%. The bank's favorite jewelry, tobacco and alcohol, KTV, bars, etc. all belong to the 0.6% rate.
We brush the pos machine, for what? If you raise the amount, you must choose the industry that the bank likes, so that the bank earns a lot (the handling fee is higher), and thinks that this customer is a quality customer (golden owner), and naturally gives us a sum.
The above said that the general business industry is 0.6 rate, but there are gas stations, people's livelihood business class, ticket tickets, the rate is only about 0.4. There is also a hospital, education, the rate is 0''
When you swipe your card, you will be given a 0.6% fee. The hotel industry is chosen. At this time, if the payment company settles, it will give you a certain number of people's livelihoods, and the difference of about 0.2% of the difference will be paid into the company's pocket.
This trick [Li Dai Tao Zhuang], you can play it.
4 [set of code] mysterious debut.
Look at the climax scene - set code. As mentioned earlier, the mcc code determines the type of merchant. Many people will not check the MCC code. They will only look at the name of the merchant on the bill. Check the credit card bill. The merchant who consumes is a certain hotel in the city. The ok transaction is no problem. I thought the dispute was reassuring.
In fact, this certain hotel, the MCC code registered in UnionPay, is the MCC code of a livelihood supermarket.
UnionPay is naturally unclear. It is settled at a low rate according to the rules. The customer does not know how good the machine is. Only those who supply the pos machine are clear and secretly make money.
This trick, playing called [stolen day]
On the one hand, the terminal must invest in banks, often choose high-stakes in the consumer industry, and on the other hand, find a cheap rate pos machine to reduce costs.
UnionPay is staring at the back, there is a set of code machine, it will seal your pos machine, the credit card used to consume this pos machine will also be affected.
The supplier of the Pos machine steals the day, and the sky passes through the sea. Where do the ordinary mortals come to the eye and distinguish the true and false?
Although the set code is getting less and less, the code skipping is still a lot.
This drama, the victim is always the end consumer, just hope to end as soon as possible.
After talking about the above things, in the end, for the major payment companies in the POS machine market, the above things, since the 2016 tax reform, no matter a clear machine, two clear machines, the set code has rarely appeared.
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