Nowadays, the emergence of such "home pos machines" is convenient for users, but due to lack of supervision, it is very difficult to prevent risks such as illegal cashing.
Mobile phone becomes pos machine
The reporter saw on the Internet that only Lakara Company provided three kinds of household terminals such as Lakara Home Credit Card Machine, Lakara Computer Card Reader and Lakara Credit Card Phone. Take the card phone as an example, the price is 599 yuan in Jingdong Mall. The services it can provide are more than ten services such as credit card repayment, bank card balance inquiry, mobile phone recharge, and online payment.
In addition to La Cala, Shenzhen Box Payment Information Technology Co., Ltd. launched a machine called Box Payment, which has similar functions. The reporter saw that as long as the card payment device is inserted in the earphone jack of the iosandroid mobile phone, registering a box to pay the account, the download client can be used. The reporter tried to use the "mobile phone recharge" function, enter the phone number, select the recharge amount, follow the software prompts to swipe the card, enter the password to be successful. It is worth mentioning that when the password is entered, the numbers on the numeric keypad are all randomly arranged. After the recharge is successful, the SMS prompt can also be received. Box payment ceo Hansen told the "IT Times" reporter that the box payment only supports the card card with the password card, and the credit card without the password can not be paid. In addition, if the bank card password is entered incorrectly 3 times, the bank card will be locked and need to go to the bank counter to unlock.
Licensed and hardware reviewed
The reporter learned that the company that issues such machines needs to obtain the bank card acquiring business license in the third-party payment license, but the reporter did not find the name of Shenzhen Box Payment Information Technology Co., Ltd. in the licensed third-party payment enterprise. In this regard, Han Sen revealed that box payment is not directly involved in the payment process, but provides hardware. "We cooperate with companies that have obtained third-party payment licenses. UnionPay is our partner, and payment is done by banks or third-party payment companies. provide."
Meng Xianhuang, deputy secretary-general of the Shanghai Modern Business Promotion Center, told reporters that in addition to having to pay a license, such equipment must undergo relevant hardware inspections. "The current hardware inspection is nearing completion and is waiting for the final certification of UnionPay," Hansen said. Whether Laka's card reader has been checked, Lakala did not give reporters any reply.
The stimulus set is currently
Among the functions of such machines, there is a business that attracts the attention of journalists – online payment. Lakara customer service staff told reporters that after placing an order online, you can use the terminal to make payment according to the order number. "As long as you enter the transaction number on the terminal, you can pay by credit card in the card slot, without opening the online banking, or recharging Alipay. The customer service staff also told reporters that debit cards and credit cards can be used.
Is there a cash out phenomenon when using a credit card for online shopping? Meng Xianhuang believes that it is entirely possible to produce. "Users have swiped the card at home. If a refund is needed, they can be refunded to Alipay. Alipay has the function of withdrawing cash, and the user can take out the money." Reporter to Lakara The customer service staff consults about the refund, the customer service said that you can either return to Alipay or refund the card, and the specific refund can be negotiated with the seller. The reporter then consulted Alipay's customer service, the customer service said that the issue of refunds after payment with the home credit card machine is not clear.
It is understood that the box payment has not yet opened the function of online payment, but there are plans to open this function.
Use supervision
Cash out, balances are being brushed... These problems seem to expose the security risks of using such terminals. In the Zhabei District of Shanghai, there have been many cases of credit card fraud. The suspects obtained bank credit information forged credit cards through illegal means, and repeatedly tested the fake cards through the “Lakara†payment terminal, and finally implemented criminal activities for off-site withdrawals.
The reporter found that the purchase of such terminals does not require any relevant information from the purchaser. Take box payment as an example. Although you need to register first, it is limited to information such as email and mobile phone number, and does not require an ID card. In sharp contrast, if a merchant wants to use a terminal such as a POS machine, it must go through various tests such as risk control and legal affairs.
Meng Xianhuang told reporters that once such a machine is sent to the user, how to use the user is a blind spot for supervision. The enterprise that sends the machine will not control whether the user's use is legal. "Do the manufacturers of the machine have to review the buyer? How to deal with illegal behaviors during use? These problems have not been solved, which gives illegal elements a chance. Many companies have also played the edge ball, so the current mechanism is not yet perfect and the safety performance of such machines is not yet guaranteed. In the case, I am not in favor of consumers using such machines."
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