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Igikoresho co kugurisha (POS) n'aho kwishura birahagarara mu masaha y'ubucuruzi

Igitigiri c'ivyihutirwa gitandukanye hakurikijwe igihugu. Iyi paji ikoresha 911, inomero ya Leta Zunze Ubumwe za Amerika na Canada. Ibindi bihugu vyinshi bikoresha 112, 999 canke uwundi mubare. Rondera umubare w'igihugu cawe.

Uravye igikoresho cose gikora kuri Point-of-Sale (POS) n’igikoresho co gusoma ikarita y’inguzanyo ya EMV mu restora yawe, mu kabari, mu iduka ry’ubudandaji, mu murongo wo gutanga ibifungurwa, canke mu kibanza c’abashitsi bikonja n’ "Network Connection Lost / Payment Gateway Unreachable" ikosa hagati mu gihe c’ifunguro ry’ijoro ryo ku wa gatanu canke ku musi wa gatandatu w’ikiruhuko c’ugusuma ni ingorane ikomeye y’ibikorwa n’amahera yinjira. Kubera ko abaguzi batari munsi ya 15 kw’ijana bo mu maresitora no mu maduka bafise amahera ahagije yo kwishura, POS canke ubuhinga bwo kwishura butakoreshejwe burahagarika gucapura amatike yo mu gikoni, bugasubiza inyuma imirongo yo gusohoka mu minota 5, bugatuma abashitsi bariko barafungura basohoka batarishyuye, kandi bugatuma abarongozi b’amaresitora babiri bafise ubwoba: "Offline Store-and-Forward" uburyo bw'ikarita y'inguzanyo ata n'idolari ry'ibikorwa ry'ubudandaji (aho 100 kw'ijana vy'uburenganzira bw'ikarita yasubijwe, yibwe, canke yarangije igihe buja ku mudandaza), canke kwandika mu buryo butemewe n'amategeko inomero z'ikarita y'inguzanyo y'abaguzi n'amakode y'imirongo 3 ya CVV mu **SSDI-3 ku mpapuro

Kugira ngo amafaranga yinjira agume agenda neza kandi imirongo y’igikoni canke yo gusohora amafaranga igendagenda mu gihe POS canke internet ihagaze bisaba gutandukanya ubwo nyene Ikigobe c’Irezo y’Igihugu / ISP na Ikigobe ca POS / Igikoresho co Kwishura co mu Gicu. Mu gukora igenzura ry’iminota 3 ry’ibikoresho n’ivy’ubuhinga bwa none, gutunganya Imipaka ya EMV y’ububiko-no-gushira imbere n’imipaka y’igorofa y’itike yose, guhindukira ukaja kuri telefone ngendanwa Tap-to-Pay (SoftPOS) canke Virtual Terminaln’ububiko bw’amakuru kuri, amadosiye yo mu gikoni (3-ply dupes) iyo amacapiro yo mu karere adashobora gukora neza, kandi nta na rimwe abika amakuru y’abafise ikarata ya PCI abujijwe ku mpapuro canke ku mpapuro z’ibarabara, urashobora kuzigama 90 kw’ijana canke birenze vy’ivyo ugurisha mu masaha y’isonga ataco ushikirwa n’ugusubizwa amahera canke amande ya PCI.

Ivyo ubikore ubu

  1. Guzigame umutekano w'abantu benshi, gukuraho aho umuriro usohokera, no gukuraho imirongo y'abababaye ubwo nyene. Igihe imirongo y'ugusohoka canke mu cumba co kuriramwo isohotse mu gihe c'uguhagarara kw'ibarabara, urabe ko imirongo y'ugusohoka ifise nibura metero 1,1 (inci 44) iguma idapfungiwe n'umukiriya canke tab; iyo habaye ingorane yo gumenagura abantu benshi, iyo amashanyarazi azimvye, canke iyo habaye uguhangana kw’ubukazi, hamagara inomero y’ivyihutirwa yo mu karere kawe (911 muri Leta Zunze Ubumwe za Amerika no muri Kanada, 112 mu Bumwe bw’Uburayi bwose, 999 mu Bwongereza, canke urabe vyose inomero z'ivyihutirwa).
  2. Menya mu masegonda 90 nimba internet y’inyubako yawe (ISP) ihagaze CANKE POS/processeur y’igicu ihagaze kw’isi yose. Kura telefone ngendanwa y’umuyobozi kuri Wi-Fi (ni co gituma ikoresha amakuru y’ivyuma 4G/5G) maze usuzume urupapuro rw’imiterere y’umucuruzi wawe wa POS (nk’akarorero, status.toasttab.com, issquareup.com, status.clover.com, status.shopify.com, status.lightspeedhq.com). Niba urubuga rw’igicu ruri ibara ry’icatsi kibisi, modem canke router yawe ya ISP yo mu karere yarananiwe; iyo paji y'imimerere y'igicu yerekana ko uguhagarara kw'isi yose kw'ibikorwa vy'ukwishyura, gusubira gufungura ama terminals yawe yo mu karere ntibizobikosora kandi bishobora kugukura mu buryo butari mu nzira.
  3. NTUKIGEZE usohoka, ukureho, canke usubize mu ruganda urubuga rwa POS rwo mu gicu mu gihe igicu c'umucuruzi kizimvye. Iyo umukozi wo kwemeza POS wo mu gicu apfuye kw'isi yose, ibikoresho vyamaze kwinjira birashobora kubandanya bihamagara ibintu, bikacapura ku bicapyi vy'igikoni vyo mu karere, no gukuraho umurongo wavyo. Iyo usohotse muri iyo porogarama canke ukayisubiramwo mu gihe igicu kizimye, iyo terminal izoguma ku gicapo co kwinjira capfuye gushika igicu kigarutse.
  4. Ntukigere wandika inomero z’ikarita y’inguzanyo y’abaguzi y’imirongo 16 n’amakode y’umutekano ya CVV y’imirongo 3 ku mpapuro canke kuri Excel. Munsi ya Itegeko ry’umutekano w’amakuru y’inganda y’ikarata y’ukwishura (PCI-DSS v4.0 Ibisabwa se 3.2 na 3.3), ubike kode iyo ari yo yose y’imirongo 3**CVV/CVC canke kode y’umutekano y’imirongo 3 (harimwo n’impapuro z’inguzanyo zanditswe n’ukuboko, amafoto y’amakarata y’inguzanyo kuri telefone y’umuyobozi, canke impapuro z’inguzanyo) inyuma yo kwemererwa, canke kubika inomero za konti y’ibanze (PANs) zitashizwemwo amakuru, ni ukurenga ku mategeko ya PCI bikomeye bituma habaho igenzura ry’ubuhinga ry’itegeko, amande y’amadolari 5.000 gushika ku madolari 100.000 buri kwezi. (raba gufunga konti y'umucuruzi no kwishura ubuhendanyi).
  5. Gushoboza "Uburyo bwo kubika no gutanga" GUSA n'igipimo c'idolari ku giciro (nk'akarorero, amadolari 50 gushika ku madolari 100) n'isuzuma ry'indangamuntu. Iyo terminal yawe ifata ikarita mu Uburyo butari ku murongo, ntishobora kugenzura na banki itanga ikarita nimba ikarita yabitswe, yapfungiwe canke yarengeje urugero; wewe (umucuruzi) unywa 100 kw’ijana vy’ivyo uhomvye ku ikarita yose igabanutse iyo batch ishizweko mu nyuma, kandi iyo udasubiye kwifatanya na internet mu masaha 24 gushika kuri 72, batch yashizwemwo amakuru y’inyuma y’umurongo irahera yose ($0 yegeranywa).
  6. Hindura amatike y’amadolari menshi ($100+) kuri telefone ngendanwa Tap-to-Pay / Terminal Virtual canke uruja n’uruza rwa QR Payment ubwo nyene. Ku bijanye n’ugucuruza kwose kuri hejuru y’urugero rw’akaga kawe k’umutekano, nukoreshe ikarita kuri kuri interineti mu gihe nyaco kuri telefone ngendanwa ya 4G/5G on** app kuri telefone ngendanwa yawe** konti y’umucuruzi w’ububiko bwa kabiri (nk’iyindi konti y’ubuntu y’ugutegerezwa Square, Stripe, canke PayPal Zettle), canke mu kwandika/kwerekana QR Pay-by-Link ubwo nyene umukiriya yuzuza kuri telefone yiwe bwite biciye kuri Apple Pay canke Google Pay.

Kubera iki gukuraho POS router yawe mu gihe umuriro uhagaze bica bicapura amatike y’igikoni n’ay’ibarabara

Mu maresitora menshi yo muri iki gihe no mu maduka y’ubudandaji (ukoresheje Toast, Square, Clover, Aloha, Micros, canke Lightspeed), iPad yawe canke POS yawe ikora ku mubiri ivugana n’ibicapu vy’ubushuhe vyo mu gikoni cawe be n’ibicapu vy’amabarabara biciye ku nzira yawe ya Ethernet no ku nzira ya Wi-Fi yo mu karere, mbere n’igihe umurongo wa Wi-Fi wo mu karere, ni uwapfuye rwose. Abarongozi bafise ubwoba kenshi barakuraho router nyamukuru ya POS iyo internet ihagaze, ivyo bikaba bica bica ubwo nyene urubuga rw’imbere mu gihugu rwo mu karere, bigatuma amategeko adacapwa mu gikoni. Ntukigere ukuraho umuyagankuba wawe wo mu mutima w’urubuga rwa POS canke router ya POS Wi-Fi; ahubwo, ushire umugozi wa WAN gusa kuri modem ya ISP yapfuye maze uwushire mu gitereko c’ivyuma vy’amatelefone 4G/5G canke uwushire ku nzira y’ivyuma vy’umuyobozi.

POS, interineti, n'igiti c'ingingo co guhagarika ikibanza co kwishura

flowchart TD
    Start["POS Touchscreen, Amacapiro yo mu gikoni, canke Ikarata y'Inguzanyo Bihagarika Gukora Mu gihe c'Ukwihuta"] --> Diagnose["Intambwe ya 1: Suzuma Urupapuro rw'Umucuruzi kuri Telefone ngendanwa (Wi-Fi OFF)<br/>KANDI Suzuma Amatara ya Modem ya ISP yo mu karere"]

    Diagnose --> CauseType{"Ni igiki catumye umuriro uhagarara?"}

    CauseType -->|"1. Internet yo mu karere (ISP) irahagaze, ariko umucuruzi wa POS wo mu gicu araduga"| LocalFailover["Gushitsa iminota 3 y'urubuga rwo mu karere:<br/>1. NTUKURE POS switch/LAN yo mu mutima (ituma amacapiro yo mu gikoni akora)<br/>2. Guhindura POS Router WAN ku 4G/5G Igikoresho co Guhagarika CANKE Igikoresho co Gukoresha Telefone ngendanwa<br/>3. Niba ama terminal afise amakarata ya SIM, hindura kuva kuri Wi-Fi uja ku makuru yo kuri telefone ngendanwa"]

    CauseType -->|"2. Igicu POS / Igikoresho co kwishura kiri hasi kw'isi yose"| DoNotLogout["ITEGEKO RY'INGENZI: NTUSOHOKE canke ngo usubiremwo Terminal iyo ari yo yose<br/>(Gusohoka mu gihe igicu kizimye bigufunga mu bimenyetso vy'aho hantu)"]

    DoNotLogout --> TicketSize{"Ni idolari ry’amahera y’umukiriya wese akora ni angahe?"}

    TicketSize -->|"Munsi y'Ikibazo cawe (nk'akarorero, Munsi y'amadolari 50 gushika ku madolari 75)"| OfflineEMV["Koresha 'Ububiko-no-Imbere' Uburyo:<br/>1. Gushinga igitigiri c'ibikorwa vy'ubudandaji mu mitunganyirize ya POS<br/>2. Guhitamwo EMV Chip Injiza canke Gukubita (ku mategeko y'umucuruzi atari mu murongo; Apple/Google Pay akenshi ibujijwe atari mu murongo)<br/>3. Genzura itariki y'iherezo & wongere uhuze terminal kuri interineti mu masaha 24 kugira ngo ushireho igice"]

    TicketSize -->|"Hejuru y'Ikibazo Cawe (nk'akarorero, $75 gushika kuri $500+ Tabs)"| LiveBackup["Gukora Uruhusha rwo kuri Internet mu gihe nyaco biciye ku nzira yigenga yo gucungera:<br/>1. Porogaramu y'Igikoresho ca kabiri ku telefone y'umuyobozi 5G (Kanda-kugira ngo wishyure / SoftPOS)<br/>2. Umukiriya ashobora gucapura kode ya QR iyo yemeye/ashirako umukono wo kwishura biciye kuri Apple Pay / Google Pay ku giciro ciwe bwite 5G<br/>3. Kwishura amafaranga (Ukoresheje Umusoro & Guhindura Urupapuro rw'Ubuhendanyi rwacapuwe mbere)"]

    CauseType -->|"3. Amashanyarazi yo mu karere arazimye CANKE amacapiro yo mu gikoni yo mu karere yarapfuye"| PaperProtocol["Guhindukira ku mpapuro z'amaboko n'Itegeko ry'Umwirutsi:<br/>1. Gutanga 1 'Umwihutisha' kugira ngo ushireho inomero z'urutonde (#101, #102)<br/>2. Koresha 3-Ply Server Dupes (Imweru=Igikoni, Umuhondo=Ibara/Iyerekanwa, Ibara ry'umuhondo=Umucungezi)<br/>3. Gumana urufunguzo rw'amahera ku gitabu kugira ngo uhindure"]

Icigwa ca 1: Igipimo c’iminota 3 (ISP yo mu karere ihagaze n’ihagaze ya POS / Processeur yo mu gicu)

Imbere yo guhindura urugendo rwawe rwo gusohora, mara amasegonda 180 witandukanya n’urugero rw’ikirundo c’amahera rwananiwe. Ivyumba bitandukanye bisaba inyishu zitandukanye z’ubuhinga.

Igereranyo ry'ibintu 4 vya POS bishobora gusenyuka n'ugukosora nyavyo kuri buri kimwe cose

Ikimenyetso kiri hasi Ivyo mu vy'ukuri vyananiwe Ivyo Bica Bikora Ubu Ibikorwa vy'ubuhinga vyihuse
1. Ivyuma vy'amakarata bivuga ngo "Offline / Ntibishobora gushika ku rembo," PC y'Ibiro vy'Umuyobozi nta internet ifise, Paje y'Igihugu c'Umucuruzi ni IKITOTSI ISP yawe yo mu karere (Internet y'imirongo / y'imirongo) yaracitse. Internal Local Area Network (LAN) yawe iracariko irakora: Ivyuma vya POS birashobora kohereza amategeko y’ibifungurwa ku bicapura vyo mu gikoni/mu bar, gufungura ibikoresho vy’amahera, no kubika amakarata y’ingurukanabumenyi atari mu nzira. 1. Suzuma nimba router yawe ya POS ifise Modem y’uguhagarika 4G/5G yikora ishizwe muri WAN2 (suzuma ko ifise ikimenyetso).
2. Niba ata nzira y’amatelefone ngendanwa iriho, huza ama terminals yo mu minwe canke iPads ku Ikibanza c’umuntu ku giti ciwe ca telefone ngendanwa y’umuyobozi WPA2/WPA3 (koresha SSID/ijambobanga nyaryo gusa ku bikoresho vyo kwishura, ntukigere ukoresha Wi-Fi y’umushitsi wa bose).
2. Amacapiro yo mu gikoni arahagarika gucapura amatike, naho internet ikora kuri telefone Ihindura ry'urubuga rwo mu karere, umugozi wa Ethernet w'icapa, canke amakimbirane ya IP. Gukora amakarata y’inguzanyo kuri Internet biracariko birakora ku bikoresho, kandi amashusho ya KDS yo mu gicu ku bikoresho vy’amatelefone ngendanwa aracariko arakora. 1. Suzuma itafari ry'amashanyarazi n'umugozi wa Ethernet ku switch y'urubuga iri inyuma y'igiharuro.
2. Zima icapa ryo mu gikoni ryafashwe, ufate FEED buto kugira ngo ugenzure ko urupapuro/ubuhinga bukora, subira ON.
3. Guhindura inzira y’ico gicapo c’ibarabara mu mirongo ya POS ku Icapa ry’ibarabara canke ry’amakete (kandi ushireho umwirutsi agende amatike metero 6 / amafuti 20 gushika ku murongo w’igikoni).
3. Gukora ikarita birananirwa kuri terminals ZOSE (mbere no kuri 5G cellular), Paje y'Ikibanza c'Umucuruzi ni RED Igicu POS canke Uguhagarara kw'Irembo ry'Ukwishura (nk'akarorero, Umukate, Uburebure, Igiti, Fiserv, Worldpay, Gukurikirana, Umurongo). Gutera ijwi ry'ibifungurwa vyo mu karere, gucapura mu gikoni co mu karere, no gukoresha amafaranga biracariko birakora IYO GUSA udasohotse mu bikoresho. 1. BUZA abakozi gusohoka canke gusubira gufungura ama terminals.
2. Gushoboza Uburyo bwo kwishura ata murongo ku matike mato (<\(50-\)75).
3. Gufungura Iporogarama yawe yo kwishura (nk'akarorero, konti ya Square canke Stripe Tap-to-Pay ku buntu kuri telefone ngendanwa y'umuyobozi) ku matike arenga $75.
4. Amashanyarazi y'amazi yarazimye mu nyubakwa Inguvu z'umuyagankuba (120V/240V). Ivyuma vy’amaboko bikoreshwa na bateri (POS) be n’amatelefone ngendanwa ari kuri 5G cellular biracariko birakora; Bateri za UPS zituma router nyamukuru iguma ikora iminota 20 gushika kuri 45. 1. Koresha urufunguzo rwo gupfuka umuringa w’umubiri rwinjijwe mu gipfukisho c’imbere canke co munsi c’igitereko c’amahera kugira ngo ufungure ibikoresho vyo gushiramwo amahera.
2. Gukora amakarita ku bikoresho vy’amaboko bikoreshwa na bateri canke kuri telefone ngendanwa Tap-to-Pay mu gihe ufunga ama tabs asanzweho ata nkomanzi.

Icigwa ca 2: Amategeko n'imitego y'Uburyo bw'Ikarita y'Inguzanyo

Hafi y’uburyo bwose bw’ubudandaji buhambaye (Uburebure bw’Ikibanza, Umukate, Igiti, POS ya Shopify, Umuvuduko w’Umuco, NCR Aloha, Oracle Micros) burimwo Uburyo butari ku Murongo (Ububiko-no-Imbere). Iyo iyo terminal ifunguwe, irashiramwo amakuru y’ikarita y’umukiriya mu bubiko bwayo bwo kwibuka ibintu bishobora guhindurwa, maze igacapura ikimenyetso c’uko umuntu yaronse amahera ataco yigeze avugana n’urubuga rw’ikarata, igaca ishira ku murongo kugira ngo amafaranga akoreshwe ubwayo iyo interineti igarutse.

Ariko rero, Offline Mode itwara imitego ikomeye y’amahera umuyobozi wese ategerezwa gucungera mu gihe c’uguhagarara:

Amategeko 5 y'Itegeko y'Ugukoresha Uburyo bwo Gukora ata Murongo

  1. 100 kw'ijana ry'uburenganzira bwo guhindurwa ku mucuruzi (Nta n'umwe asubizwa canke nta n'umwe ashobora gukingira):
  2. Kubera ko terminal itari mu murongo idashobora guhamagara Visa, Mastercard, American Express, canke Discover mu gihe nyaco, **ikarita yose uyikubita canke uyibika mu buryo butari mu murongo izokwerekana "Yemejwe / Yabitswe" ku rubuga, naho ikarita yoba yibwe, yasubiwemwo, ifise amadolari 0 asigaye ku ikarita y'ingabirano yishuwe imbere y'igihe ihagije canke,
  3. Iyo internet yawe isubiye hejuru amasaha 4 akurikiyeho maze batch igashirwako, 3 gushika kuri 8 kw’ijana vy’amahera akoreshwa hanze y’ingurukanabumenyi biragabanuka, kandi umucuruzi ntaco akora kugira ngo asubire ayo mahera iyo umukiriya amaze gusohoka mu muryango.
  4. Shiraho igipimo gikomeye c'idolari ryose ($50 to $100 Max:
  5. Imbere muri POS Manager Dashboard yawe ubu nyene, shiraho Igipimo c’Ibikorwa vyawe bitari ku Murongo ku $50, $75, canke $100 (bivanye n’ubunini bw’amatike yawe n’inyungu).
  6. Ntukigere wemera ko abakozi bafata amadolari 450 y’ifunguro ry’ijoro ry’umugwi canke amadolari 600 y’ugugura mu buryo bwo Gubika no Gushira Imbere. Itike yose iri hejuru y’igipfukisho cawe co hanze y’umurongo itegerezwa kwishurwa biciye ku nzira y’ubuhinga bwo gucungera amakuru, uruja n’uruza rwa QR, canke amahera.
  7. Menya ubwoko bw'amakarata akora mu buryo butajanye n'umurongo (Magstripe Swipe n'igice ca EMV n'igice ca NFC kidakorana):
  8. Ubwubatsi butandukanye bw'ibikoresho vya POS bukora ububiko butari ku murongo mu buryo butandukanye:
    • Ukwishura ata murongo w'inzira: Gushigikira Magstripe (Swipe), Kwinjiza igice ca EMV, na Ugukorana n'umuntu (Apple Pay / Google Pay / Tap) ku bikoresho vy'ubuhinga bwa none vy'ubuhinga bwa none, Terminal, Igihagararo, n'ibikoresho vy'umusomyi, ariko ntabwo bifasha guharura mu modoka, ** clear-text inyuma y'ugutanga/ugucapura amasoko ata murongo.
    • Igikoresho co gufungura inyuma y'umukate / Uburyo butari ku murongo: Ishigikira EMV Chip na Magstripe Swipe gushika ku rwego rwawe rw'inyuma rwatunganijwe, **ariko ibuza amakarita n'amakarata y'ingabire yafunguwe n'amaboko iyo utari ku murongo, kandi igabisha ko EMV chip imwe imwe canke cryptogram zishobora gusaba gusubira ku muhora.
    • Clover Offline Payments: Yemerera kwishura ata murongo gushika ku misi 7, bivanye n’ivyo mwatunganije ku bijanye n’ugucuruza n’imipaka y’amadolari yose hamwe.
  9. Itegeko ry’Ibikorwa: Iyo umukiriya agerageje gukora kuri Apple Pay canke gutera ikarita ya EMV y’amahera y’imbere y’igihe gusa yo kuri internet mu gihe c’uguhagarara kw’ibarabara, terminal ikayanka, nusabe umukiriya mu buryo bw’ikinyabupfura gukubita magstripe y’ikarita y’umubiri canke gucapura urubuga rwawe rwo kwishura rwa QR.
  10. Suzuma n'amaso ikarita y'umubiri kugira ngo ubone ikarita y'ingabirano yishuwe mbere n'amatariki izoherako:
  11. Gutoza abacungezi b’amahera n’abakozi mu gihe ata murongo uhagaze kugira ngo barabe ikarita: kwanka ikarita y’ingabirano yishuwe mbere y’igihe ya Visa/Mastercard idashobora gusubirwamwo mu buryo butari mu murongo (abaguzi kenshi batanga ikarita y’ingabirano yishuwe imbere y’igihe y’amadolari 1,12 yarangije bazi ko igitabo c’inyandiko kitari ku murongo), kugenzura ko e not izina ku mpapuro z’indangamuntu zifise ifoto ku matike y’ubunini buringaniye.
  12. Isaha y'Iherezo y'Isaha 24 gushika ku Masaha 72:
  13. Ivyiyumviro vy’ukwishura bitari mu nzira bifise amakuru y’ibanga bibitswe imbere mu kibanza ca POS canke iPad ntibimara ibihe bidahera.
  14. Nk’akarorero, Ivyishyurwa vya Square bitari ku murongo birahera ubudasiba iyo iPad, telefone ngendanwa, canke terminal yihariye yatwaye ivyo kwishura itasubiye gukorana na interineti mu masaha 24 (ku verisiyo za kera za porogarama) gushika ku masaha 72 y’ugufata ukwishyura kwa mbere ata murongo, kandi iyo gusa POS app iguma yuguruye imbere.
  15. Imbere y'uko umuyobozi wawe wo gufunga aja muhira mw'ijoro: Nimba ISP yawe y'inyubako ikiri yapfuye ku gihe co gufunga, fungura telefone ngendanwa maze uhuze buri nzira y'amaboko n'iy'ibarabara kuri iyo nzira mu minota 15 n'umurongo wa POS ufunguye gushika **"Pending Offline Payments irangije: umukozi.

Icigwa ca 3: Amategeko y'Ivyihutirwa y'Ukwubahiriza PCI-DSS (Igituma "Impapuro zicapura" n'urutonde rw'ibitabo vyapfuye)

Mu gihe umuyagankuba uhagaze igihe kirekire, umuntu wo mu bakozi bawe azoguha iciyumviro ati: "Reka twandike gusa inomero y'ikarita y'inguzanyo y'umukiriya wese y'imirongo 16, itariki izoherako, na kode ya CVV y'imirongo 3 inyuma y'impapuro z'ikimenyetso c'uko yakiriye maze tuvyandike vyose mu kibanza c'indege ejo mu gitondo."

Ubuze uwo mugenzo ubwo nyene. Gukora ivyo bituma ubucuruzi bwawe bushobora gushikirwa n’ivyago vy’amahera n’ibirego vy’ubuhendanyi:

Ivyo PCI-DSS v4.0 ibuza cane n'ivyo vyemewe n'amategeko

  1. Kubika kode ya CVV/CVC2 y'imirongo 3 canke 4 ni ikintu gitemewe n'amategeko mu bihe vyose (PCI-DSS Req. 3.2):
  2. Mu ngingo ngenderwako z’umutekano w’amakuru y’inganda y’ikarata yo kwishura, Amakuru y’ukwemeza (SAD), cane cane CVV y’imirongo 3 iri inyuma ya Visa/Mastercard/Discover na CID y’imirongo 4 imbere ya American Express, **NTIBIZOKWIGEZE bibikwa mu buryo ubwo ari bwo bwose (impapuro z’imibare canke impapuro) mu minota 10.
  3. Ikindi kandi, kwandika inomero za konti y’intango (PANs) yuzuye y’imirongo 16 ku mpapuro zitagira amakuru wicaye ku kabare canke ku kibanza c’abashitsi, bituma umukozi umwe canke uwubibona afata ifoto y’urwo rupapuro akoresheje telefone ngendanwa, ivyo bikaba bituma abakiriya bawe bagurwa n’amahera menshi y’ubuhendanyi (PPse) amabendera avuye kuri Visa/Mastercard, amatohoza y’ubuhinga bwa PFI y’amadolari 25.000+, no gushirwa ubudasiba ku rutonde rw’ibara ry’agahama rwa MATCH / Dosiye y’Umucuruzi Yarangijwe (TMF).
  4. Kubera iki amacapa ya kera y'ivyuma "Knuckle-Buster" atagikora:
  5. Hafi amakarata yose y’inguzanyo n’ay’ideni yasohotse inyuma y’umwaka wa 2020 (harimwo Apple Card, Chase, Capital One, Amex, n’ayo mu Buraya/Ubwongereza/Kanada) ni amakarata acapwe n’umuyagankuba afise imibare y’ibara ry’agahama, bisobanura ko icapa ry’amaboko ry’uruzitiro ry’amaboko ritanga ubuhinga bwo gucapura butagiramwo ikintu, n’ubuhinga butagiramwo ikintu. ibice vy’icapa ata gicapo gishizweko umukono c’imibare ipfutse.
  6. Uburyo butekanye, bushingiye kuri PCI bwo gukoresha ama tabs y'agaciro kanini mu gihe c'uguhagarara kwose:
  7. Ihitamwo A, Igikoresho ca kabiri "Tap-to-Pay kuri iPhone / Android" (Uburyo bwiza): Ubucuruzi bwose bukwiye kuguma bufise konti y'umucuruzi y'ububiko bw'amahera y'ukwezi (nk'akarorero, nimba POS yawe nyamukuru ari Toast canke Clover, ushireko konti y'ubuntu Square canke **Stripe kuri telefone rusangi). Kubera ko ama iPhone (iPhone XS and newer) na telefone za Android za none zifise ama chips ya NFC yubatswemwo afasha Tap to Pay kuri iPhone / Android ata dongle y’inyuma ikenewe, umuyobozi wawe arashobora kugenda aja ku meza iyo ari yo yose canke akiyandikisha maze agakora ku ikarita y’umukiriya canke Apple Pay ataco akora kuri telefone y’umuyobozi biciye ku makuru y’ivyuma 5G mu masegonda 10.
  8. Ihitamwo B, Ukwisuzuma kw'Umukiriya biciye ku Kode ya QR icapwe ("Pay-by-Link"): Gukora Kode ya QR y'Ihuza ry'Ukwishura ishobora gusubirwamwo ivuye ku rubuga rwawe rwa Stripe, Square, PayPal, canke Venmo for Business maze ucape kopi 5 zifatanye n'amahema y'imeza y'ipulasitike ku register. Umukiriya aca akora scanner ya QR code akoresheje camera yiwe bwite ya telefone ngendanwa ku makuru yiwe bwite yo kuri telefone ngendanwa, akandika amadolari nyayo yose hamwe y’ivyo yaronse (ashizeko n’impanuro), hanyuma agatera Pay with Apple Pay / Google Pay mu gihe yerekana uwujejwe amafaranga igicapo c’icatsi kibisi co kwemeza.
  9. Ihitamwo C, Ifagitire ry’Ihamagara ry’Abaguzi Basanzwe / Bazwi (B2B, Ubuvuzi, Salon, Servisi, canke Ivy’Ifunguro ry’Igihugu): Ku bakiriya bizigira badafise amahera canke igikapu c’amahera mu gihe c’uguhagarara kw’amatelefone ngendanwa/igicu, wandike gusa umukiriya Photophone, Numero yuzuye, E n’ikete ryemeza ko amadolari nyayo yari asigaye, maze ubarungikire Inyandiko yo kwishura / Ihuza ry’Ifagitire ry’Imeyili ry’ibanga igihe ubuhinga buzosubirana.

Icigwa ca 4: Gukoresha hasi ku mpapuro (Igikoresho co gutera impanuka" c'ibikoni, amabarabara, n'ibitabu vy'ubudandaji)

Iyo umurongo wawe wo mu karere uhinduye frites canke umuriro uzimye wica ama screens yawe ya Kitchen Display System (KDS) n’ibicapo vy’ubushuhe, akajagari karaduka mu gikoni mu minota 3 kiretse uhise uhindukira ukaja ku Manual Paper Ticket & Cashier Protocol itunganijwe.

1. Igikoresho co gukoresha 3-Ply kitagira carbone ("Dupe System") c'amaresitora n'amabarabara

Bika ikirundo c'ibipande vy'abashitsi bifise inomero bifise ibice 3 bitagiramwo carbone** (Ivyera / Umuhondo / Ibara ry'agahama) imbere mu Isandugu y'Impanuka y'Ivyihutirwa munsi y'aho abashitsi bahagarara: - White Top Copy (Umurongo w’Igikoni): Ishikirizwa n’ukuboko n’umuntu yashinzwe Umunyarugamba w’Amatike ku Mukozi w’Igikoni, akayifatanya n’umurongo w’amatike mu buryo bubereye. - Kopi y'umuhondo yo hagati (Ibarabara / Ibarabara ry'Ibinyobwa): Itererwa ku bar y'ibikorwa kugira ngo banywe. - Pink Hard Copy (Iguma ku Meza / Cashier): Ikoreshwa mu kubara umubare w’abashitsi, umusoro w’ugurisha, n’ukwishura iyo ifunguro rirangiye. - Itegeko ry'Imirongo Migufi: Bwira abakozi bandike neza mu nyuguti nini bakoresheje inomero z'ivyicaro (S1, S2, S3, S4) hanyuma wandike neza ibimenyetso vy’igihe vy’iminota 5 hejuru iburyo bw’itike yose kugira ngo umutetsi amenye urutonde rw’amatike.

2. Igitabo c'Imisoro y'Ugurisha n'Imibare Yihuta"

Igihe abacungera amafaranga n’abakozi bo mu bar bagoberwa no kubara umubare muto + umusoro w’ugurisha wo mu karere (nk’akarorero, 8.25% canke 8.875% canke 13% HST canke 20% VAT) n’ukuboko ku giharuro mu gihe abakiriya 30 barindiriye mu murongo, amakosa yo mu biharuro atuma umuntu adasohoka buhoro ku rugero rwa 400 kw’ijana. - Tapa Ikigereranyo c’Ikori ry’Ugurisha Ryaharuriwe Imbere iruhande y’aho utanga amahera (ushireko urutonde rw’amahera y’ikori ry’imbere y’igihe kuva ku madolari 1 gushika ku madolari 100 n’umubare nyawo w’ikori) canke uhindure mu gihe gito urutonde rwawe rw’ibintu vyihutirwa kuri Ikori ry’Igiciro c’Idolari ry’Igihugu (nk’akarorero, gukikuza umusoro kuri $2.0 kuri $2.0. tax-included** mu gihe c’uguhagarara rero abacungera amafaranga bakeneye gusa amafaranga y’amadolari 1, 5, 10, n’amadolari 20 n’ibiceri zero).

3. Gusubiza hamwe Igikoresho co Gukura Amahera n'Igikoresho co Kuronka Amafaranga Inyuma yo Gukira

Igihe POS yawe na internet yawe bizosubira kuri internet: 1. Flush Offline Batches Batchs z'Ikarita Mbere: Suzuma ko buri terminal yerekana 0 Amafaranga Atari ku Murongo Arindiriye imbere yo gukoresha Iherezo ry'Umusi (EOD) yawe. 2. Hunga Amatike y'Amahera y'Impapuro Mu "Gusubiza hamwe kw'Ibihe" Ikintu Gufunguye: Rero ugutakaza ibikoresho vyawe, umusoro w'ugurisha ukwiye kwishurwa, n'ugutanga raporo y'impanuro za server biguma ari ukuri 100 kw'ijana ku mucungezi wawe w'amafaranga n'abajejwe imisoro, hamagara kopi z'ibara ry'agahama z'amafaranga yose** na Atrick-up (Squandary) POS nyamukuru inyuma y'amasaha y'akazi ukoresheje ubuto bw'amasoko busanzwe bwanditsweko External Backup Processor / Outage Cash.

Icigwa ca 5: Ibimenyetso vy'abaguzi n'inyandiko z'abakozi mu gihe c'uguhagarara

Inyandiko ya 1: Ikimenyetso c'Urugi rw'Imbere n'Ikibanza c'Umushitsi (Kibuza Gusohoka no Gutangara n'Ishavu ku Gitabu)

Ntukigere urindira gushika umukiriya amaze kurya canke amaze iminota 30 yuzuza igare ry’ibicuruzwa kugira ngo umubwire ko ikarita yawe y’inguzanyo idakora. Shira ikimenyetso gitomoye kandi gituje ku bwinjiriro maze wiyandikishe ubwo nyene:

Itangazo ry'IGIHE GIHE RIRI GUSUBIRAMWO UBURYO
"Urubuga rwacu rwa mbere rwo kwishura ruriko rurahungabana mu gihe gito mu karere kose, ariko TURAGUFUGUYE KANDI TURATANGA MENU / INVENTARY YUZUYE.
Ubu turiko twemera:
- Amahera (ATM iri ku [Aho hantu, metero 50 / amafuti 160])
- Ikarata yo kwishura / Chip ataco ukora (gushika ku madolari[75] ku kwiyandikisha, canke amahera yose biciye ku kibanza cacu co gukoresha telefone ngendanwa c'umuyobozi)
- Ivyishyurwa vya Apple, Ivyishyurwa vya Google, n'Ivyishurwa vya Venmo/Ivyishyurwa vya QR uhereye kuri telefone yawe
Murakoze kwihangana no gushigikira ikipe yacu uno musi."

Inyandiko ya 2: Server / Cashier De-Escalation Inyandiko ku meza canke ku giharuro c'amahera

"Imbere y'uko dufunga sheki yawe uno musi, ndashaka kubamenyesha ko umukozi wacu mukuru wa internet ariko arazimangana gatoyi ku rubuga, rero igicapo cacu c'ibarabara kiriko kiragenda buhoro kuruta uko bisanzwe. Niba umubare wawe wose uri munsi y'amadolari [75], ndashobora gukora canke gucapura ikarita yawe y'umubiri hano nyene mu buryo butajanye n'umurongo, canke ku giciro cose nshobora kureka Apple ikoresheje telefone ngendanwa yacu Pay / Google Pay QR code kuri telefone yawe, ni iyihe igufasha cane?"

Script 3: Ivyo Wovuga Iyo Umukiriya Amaze Kurya (canke Gupompa Amavuta / Yaronse Ibikorwa) Kandi Afise Uburyo bwo Kwishura Gusa Outage yawe Idashobora Kwemera

"Ndatahura neza ko wazanye gusa [Digital Corporate Card / App] yawe uno musi kandi urubuga rwacu rwazimye 100 kw'ijana kuri sisitemu yacu, si kuri wewe. Ntukeneye kurindira hirya no hino canke guhagarika umutima, nimba ushobora kwandika izina ryawe, inomero ya telefone ngendanwa, n'aderesi ya email inyuma y'iyi nkuru y'ivyakiriwe, nshobora kunyereka veri ku rubuga ID yawe na link ejo mu gitondo iyo network igarutse kugira ngo ushobore kwishura mu masegonda 10 uri i muhira."

Ibibazo bikunda kubazwa

If I accept credit cards in Offline Mode during an internet outage and some of the cards decline when the internet comes back on, will my POS company reimburse me?

No. Every POS and payment processor agreement (including Toast, Square, Clover, Shopify, and Lightspeed) explicitly states that when a merchant enables **Offline Mode (Store-and-Forward)**, the **merchant assumes 100 percent of the financial liability** for any card that is later declined for insufficient funds, expired dates, frozen accounts, or chargeback fraud when the offline batch is uploaded. Furthermore, if you fail to reconnect the specific terminal that took the offline payments back to the internet within the processor expiration window (24 to 72 hours depending on the platform), the encrypted tokens expire permanently and cannot be charged at all. Always set a per-transaction dollar limit (such as $50 to $100) in your offline settings and use a live cellular backup app for larger tabs.

Why can't my staff just take a photo of a customer's credit card or write the 16 digits and CVV on a sticky note until the internet comes back up?

Writing down or photographing credit card numbers and 3-digit CVV security codes violates **PCI-DSS Requirement 3.2 and 3.3**, which strictly prohibits storing Sensitive Authentication Data (CVV/CVC) in any form after authorization or storing unencrypted card numbers. In practice, paper lists of credit card numbers sitting at a busy counter are a primary source of internal theft and data breaches; if even three customers whose cards were written on your paper pad report fraudulent charges the next week, card brands can flag your business as a **Common Point of Purchase (CPP) breach**, fine your business tens of thousands of dollars, and terminate your ability to accept credit cards entirely.

Why did Apple Pay and Google Pay stop working when my terminal switched into Offline Mode?

Depending on your POS hardware and how the customer's issuing bank configured their card cryptogram rules, many **EMV Contactless (NFC Tap)** and mobile wallet transactions (Apple Pay / Google Pay) require an **online real-time cryptographic authorization (`ARQC`)** from the issuing bank over the internet and will refuse to complete in offline mode. When your terminal is operating in Offline Store-and-Forward mode, instruct cashiers to ask the customer for a **physical credit card** to insert (EMV chip) or swipe (magstripe), or have the customer scan a **QR Payment Link** on their own smartphone using their phone's cellular data.

How can I permanently prevent my POS and kitchen printers from going down the next time our internet provider has an outage?

Build a **$150 two-layer POS resilience kit** before your next rush: First, plug your POS network router, main network switch, and kitchen receipt printers into a **1500VA Uninterruptible Power Supply (UPS) battery backup** ($140) so power flickers never reboot your router (which takes 5 minutes to re-sync). Second, add a **$10 to $25/month 4G/5G LTE Cellular Failover Modem** (such as a Cradlepoint, Peplink, or your POS vendor's managed cellular backup stick) into the secondary WAN port of your POS router so local internet outages switch to cellular data automatically in 3 seconds. Third, install a **free secondary payment app** (like Square or Stripe Tap-to-Pay) on the manager smartphone so you have an independent processor if your primary POS cloud ever goes down nationwide.

Inyobora zifitaniye isano

Amasoko yasuzumwe

  • Inama y’Ingingo ngenderwako z’Umutekano w’Ikarita y’Ukwishura (PCI SSC): Itegeko ry’Umutekano w’Amakuru ya PCI (PCI-DSS) v4.0, Ibisabwa 3.2 (Ikibujijwe co kubika amakuru y’ivyemezo vy’agaciro / CVV2 / CVC2 / CID Inyuma y’Ukwemererwa) n’Ibisabwa vyo Gutanga Amakonti 3.3. PAN), hamwe n’Impanuro za PCI ku bijanye no Gufata ibintu bishobora gushika bitari ku murongo be n’ibintu bishobora gushika bivuye ku ikarita y’impapuro.
  • EMVCo: Ikarita y’umurongo wa EMV ivuga ku buryo bwo kwishura, kwemeza amakuru atari ku murongo (SDA, DDA, CDA), imipaka y’igorofa y’ibarabara, n’Igikoresho co ku rubuga gusa (ARQC) vs. Kwemererwa hanze y'umurongo (TC) Amategeko.
  • Ivyanditswe vy’ubudandaji vy’ubuhinga bwa none: Itegeko ry’ukwishura ry’ubuhinga bwa none ry’ubuhinga bwa none (Igihe c’uguhera n’amasaha 72 yo gushiramwo amakuru n’amasaha y’uburenganzira), Uburyo bwo gukoresha POS y’ubuhinga bwa none / Inyuma y’ubuhinga bwa none & Ubwubatsi bwa LAN bw’icapa ry’igikoni Guff Guffline, Clover Offline Shofypitus Offline Payment Limits POS.
  • Ishirahamwe ry’Igihugu ry’Ukurinda Umuriro (NFPA): Itegeko ry’Umutekano w’Ubuzima rya NFPA 101 (Gubungabunga Inzira z’Isohoka zitagira Inzitizi z’Imirongo y’Isohoka y’Imetero 1.1 / Inch 44 n’Itara ry’Ivyihutirwa Mu gihe Amashanyarazi y’Ibicuruzwa/Ikoraniro n’Imirongo Bizimye).