Tianyu, the full name of Wuhan Tianyu Information Industry Co., Ltd., was established in August 1999. Is a high-tech enterprise dedicated to providing excellent products and services in the field of data security and intelligent education.

Terminal products mainly include mPOS, smart POS, mobile phone credit card devices, tax control panels, smart wearable devices, etc. In addition, thousands of industry application projects have been implemented to provide advanced solutions in the industry. The company's smart cards and related businesses have expanded to more than 30 countries and regions around the world.

First, how to check whether the POS machine is a cleaning machine?

The easiest way to judge a POS machine is to see whether the payment company to which the POS machine belongs has a payment license issued by the central bank, and having a payment license issued by the central bank is the real clearance machine.

A cleaning machine, supervised by the central bank and supervised by UnionPay, has high safety and stable service. There will be no credit card invalidation or user privacy information disclosure.

Second, first of all, let's look at several points that the next cleaning machine needs to meet:

1, a cleaning machine must have a POS payment license issued by the central bank (paying a high deposit).

2. Sorting machine fund settlement: UnionPay or payment company will make one-time settlement.

3. The capital flow of the cleaning machine: the bank or payment company directly connects with the merchant.

Third, focus on the capital flow path when clearing the machine:

Consumer (credit card) → UnionPay (or third-party payment platform) → collection account (receipt). From this way of fund settlement, we can see that after the consumer swipes the card, the money will go directly to the clearing center of UnionPay (or the third-party payment platform), and then be cleared by UnionPay (or the third-party payment platform), and then directly distributed to the collection account by the clearing center. This process is just a one-time settlement of the clearing center, which is called clearing machine.

Secondary liquidation means that the payment company or bank first pays the settlement money of the POS machine to a person or company, and then the company or individual settles it to the merchant. Because this company and individual have not obtained the payment license, this settlement is flawed, and there are certain security risks due to the lack of effective supervision and management. Companies and individuals in Qing Er have not obtained payment licenses, which means that the POS machines of merchants may be manipulated by companies and individuals in the process of use, which is very risky and the funds may abscond at any time.