All About The Work of POS-cashier

[Cartographer]

So, You have decided to work with real plastic bought from BigBuyer. You got the cards, that virtually do not differ from the real ones, document, confirming the identity of a citizen of the country where the card was issued; the magnetic stripe contains the name, same as in Your documents.

And, of course, You are dressed in accordance with the sum which you wish to spend (like, on a diamond for Your another mistress, so when looking at this trifle, she recalled You). But there is a little problem, - You know that in fact, the card is Not Yours. And for You to feel more confident in this situation, You should know how the cashier works, and what is prescribed for him by an official instruction.

If you want to know this, - read this article: All about the Work of a POS-cashier. And You?ll be in a more favorable position hereafter: You will know any action of the cashier, but he will nothing about You.

BANK INSTRUCTION FOR A POS-CASHIER (OPERATOR)

Bank card (further, - card) is a property of a bank issuer and can be used for the purchase of goods, or withdrawal of cash, only by a legal cardholder. His name is indicated on the front (exterior) side of the card, and example of his signature is located on the signature panel; also, the data presented by a cardholder must correspond with the data on card.

The card cannot be transferred by its legal holder to the third person for use, in any circumstances.

Illegal operation with the card means: its usage or attempt to use the card on someone?s name, use of counterfeit card, or the counterfeit of the card itself, use of fraudulently received blanks of Slips and Slips of other enterprise, plotting additional symbols/records to the imprint of the card; counterfeit of the Slip, the use of white plastic with incused or coded data from the original card on the magnetic stripe (so-called, white plastic), writing uncollected code from the Authorization Center into the Slip, and also, illegal use of the card by its lawful holder.

When receiving cards, follow the current instruction, which will ensure your financial safety.

1. Check the period of validity
2. Make sure that the card complies with International standards, and its use is not limited by a country or a region, shown on the card (for instance: ?Valid only in..?)
3. Make sure that the card is undamaged
4. Make sure that there are no signs of counterfeit of the card
5. Check the presence of signature on the panel for a signature, without a signature, the card is not serviceable.
6. Make sure that the signature on the slip/bill conforms to the example on the card.
7. Make sure that the data on the slip/bill conforms to the data of presented card: their discrepancy is possible in a case of counterfeit of a magnetic stripe (Buy my dumps! US Only; VISA/MC etc).

I. The Major features of counterfeit cards VISA and EUROCARD/MASTERCARD, most commonly encountered at the moment, and the methods of their revelation.

1. Hologram (Volumetric Image). The hologram on the fake cards can play with all colors of the spectrum, but the ?volume? is absent. The background of a real hologram is clear, images are easily recognizable and detailed. The background of a fake hologram is dull, and the image is not sharp. Fake hologram often exfoliates (?bubbles?), if pressed on the front surface, and bended the card in the hologram area. The foil with image of the forged hologram is easily lifted with a nail. A real hologram does not bubble when bending the card, doesn?t have thickenings or bulges, and cant be damaged when attempting to pull it off with a nail.

2. Signature panel. A stripe of a white paper is glued instead of a panel for signature. The edges of a panel are easily lifted. The background with 3-color inscription ?MasterCard? (EURO cards), or blue/3-color VISA, is absent in some cases.

3. Lamination. The front (facial) side of the card, and sometimes, the backside, can be covered with a transparent tape, - laminate. Laminating tape flakes away on the edges; rarely, the hologram and embossing area do not fit tightly to the plastic.

4. BIN of a bank-issuer. The first 4 digits from the number of a card (account), duplicated with the paint (usually black), can rub away from the card. On the real card, it is impossible to erase the bin.

5. Logotype. VISA logo colors differ from the original, and can be wiped off the card.

6. Microprint. Microprint in the area around the logotype is virtually unreadable, and can be easily wiped off the card.

7. Stylized symbols. Symbols ?V? and ?MC? are made roughly and differ from the original.

8. UV-symbols. In UV-light, the image of a flying dove or letters ?MC?, in EURO case, can be absent.

9. Magnetic stripe. The data of the magnetic stripe does not conform to embossing.

10. Side area of the card is dark, instead of being white.


II. Conducting authorization

Because of the safety, the POS-cashier is required to carry out electronic part of authorization via a POS-terminal, in the first place. In a case of refusal of fulfillment of the purchase, a report ?REFUSAL, N?(where N is a code of refusal; see the codes below) appears on the screen of a POS, no voice authorization, or card service should be done. A cashier should recommend a client to contact the bank-issuer.

Voice authorization can be carried out only in the case of no- or broken connection with a Processing Center (the screen of POS should show ?ERROR CONNECTION? or ?ERROR SETTING?).


III. Specifics of Behavior of Card Presenters that Should Cause the Caution of a Cashier

1. Slow, uncertain writing on a slip/bill of a POS-terminal
2. Unnatural, nervous behavior, excessive talkativeness, attempts to speed-up the registration of a transaction.
3. Disparity of appearance and name of the holder, shown on card; for instance, in case of presentation of the card on a name of a citizen of a country of Latin America or South Africa, by a person with European appearance.
4. The card is taken from the pocket, not the wallet.
5. Aspiration to buy anything, without selecting, of any size etc.
6. Desire to deliver independently all large-size products (PC, Fridge, etc), despite the offered delivery service.

IV. Actions of a cashier, in case of rising doubts about originality of a card, or that the card is presented by its real holder.

1. Define the identity of card-presenter, asking to show identity-verification documents; identify the photo in a document and make sure that there are no signs of photo-exchange in a document (re-glued photo).
2. Write down the data from the document on a bill, or make a copy of a document.

In case of doubts about the legality of usage of a presented card, and at the same time, absence of confidence in refusal of service, it should be offered to pay with another card.

V. Actions of a cashier, in case of revelation of counterfeit card, or illegal holder.

After the ascertainment of the fact of using the card on other?s name or forged card, or after the receipt of authorization command ?Pick Up?, it is required:

1. To register the slip/bill
2. To give a presenter to sign it
3. Ask top show the passport or other identity-proofing document and write its data on a slip.
4. If necessary, the special signal during the authorization request can be used - ?CODE 10?;. Authorization center operator will inform and call a police to the enterprise.
Take measures to detention of a fraudster with the help of security guards of your enterprise.
Call the police using 911.
5. Register the arrest protocol, and if a policeman is up to take the slip and the card as evidence, - register an official protocol about the seizure of these documents.
6. Write down the data about the person, arrived at the detention, his position and work phone number.
7. Inform the policeman about an attempt of illegal use of a card, information will be transferred to CC Fraud Department.
8. Inform the bank-issuer security service about the accident.
9. Compose an accompanying letter, which should contain information about who seized the card, card number, duration, and a name of a holder.
10. During 3 working days, send a seized card to the bank with accompanying letter.

VI. Foundations for the seizure of a card from a cardholder

1. Presence of obvious features of counterfeit of a card. (see: features of fake cards)
2. Forged magnetic stripe (discrepancy between the data from the magnetic stripe with the data, embossed on a card).
3. Presentation of a card on other?s name (different from the name of presenter), disparity of signature on a card with one on the identity-verification documents.
4. Receipt of a ?PICK UP? directive from AC.
5. The card has serious damage (broken, cut, pressed with an iron, embossing is unreadable)

VII. The Documents that Can Be Accepted By POS-Cashiers As Identity-Attesting Documents

Identity of a citizen of a country, is verified by a passport of a citizen. The forged cards are usually supplied with fake foreign passports.

Identity of a foreigner can be defined by his national passport, accreditation card of a diplomat, journalist, and businessman.

In all cases when you ask for the document, write down the data from a document to a bill.

VIII. Actions, Forbidden with the Slips/Bills

1. Double rolling
2. Making changes into 2 left copies of a slip
3. Usage of a ?white plastic? for making a slip
4. Transfer of slip blanks to other persons

IX. Specifics of card processing when working with POS-terminal

It is obligatory to compare the number, embossed on the card, with a number on a bill.

ATTENTION! Seized, or found card is required for the transfer to its legal owner - bank-issuer in a 3-day term. Bank guarantees a REWARD for seizure of the card from illegal circulation.

X. POS CODES You wish to know.

[color=orange:240601002d]Code Name
00 Approved Successful transaction
01 Refer to Card Issuer Call to AC
02 Refer to Card Issuer, special condition Call to AC
03 Invalid Merchant Call to AC
04 Pick up card Seize a card, Call to AC
05 Do not honor Refusal
06 Error Call to AC
07 Pick up card, special condition Seize a card, Call to AC
08 Honor with identification Call to AC
09 Request in progress Call to AC
10 Approval for partial amount Call to AC
11 Approved VIP Call to AC
12 Invalid Transaction Call to AC
13 Invalid Amount Incorrect Amount
14 Invalid card number Incorrect card number
19 Re-enter transaction Recurring Transaction (copy)
21 No action taken Call to AC
30 Format Error Call to AC
41 Lost card Pick up Lost Card ; Seize a card, Call to AC
43 Stolen card Pick up Stolen Card; Seize a card, Call to AC
51 Not sufficient funds Insufficient Funds
52 No checking account Refusal
53 No savings account Refusal
54 Expired card Expired card. Refusal.
55 Pin incorrect Incorrect PIN code. Refusal
57 Transaction not allowed for cardholder Refusal
58 Transaction not allowed for merchant Current card type is not serviceable. Refusal
61 Exceeds withdrawal amount limit Spending Limit Exceeded Refusal
62 Restricted card Forbidden Card. Refusal
63 Security violation Call to AC
65 Activity count limit exceeded Refusal
75 Pin tries exceeded Wrong PIN counter overflow. Refusal.
76 Unable to locate previous Call to AC
77 Inconsistent with original Call to AC
78 No account Call to AC
80 Invalid transaction date Call to AC
81 Cryptographic PIN error Call to AC
84 Pre-authorization time to great Call to AC
86 Cannot verify PIN Call to AC
89 MAC error Incorrect MAC-code. Call to AC
91 Issuer unavailable Bank-issuer is not available
92 Invalid receiving institution id Call to AC
93 Transaction violates law Illegal Transaction
94 Duplicate transaction Recurring Transaction
96 System malfunction Call to AC