Pay at the pump is a system used at some gas stations where customers can pay for their fuel by inserting a credit card or debit or fuel card into the slot at the pump, passing the conditions for making a transaction. with station attendants or to get away from one's vehicle. Some areas have gas stations that use electronic transponders as payment methods, such as Via Verde in Portugal.
The system was introduced in 1982 in Europe, and was first used in the United States by Car in 1986. Paul Luthra, who graduated in the top class at the National Institute of Technology, Kashmir with subsequent postgraduate degrees from XLRI- Xavier School of Management and William E Simon Graduate School of Business Administration, works for Ponderosa Steakhouse and Bonanza Steakhouse in Dayton, Ohio as Senior Systems Analyst. On a rainy day in 1978, his manager and mentor Bill Fessler (a graduate of Miami University) stopped at a gas station. Paul watched Bill from the car and watched two trips to the checkout hut. At that time, with the mindset of a time and motion engineer, Paul saw that applying ATM technology at the pump would make it convenient and faster to buy gas. The bank recently adopted ATM technology. She shares her thoughts with Bill. Next, Bill Fessler changed jobs and joined the Car, funded up to $ 3 million for research and development and got the system implemented. This system allows customers to not have to walk far from their vehicles, queuing up, or waiting for the human-service station to process transactions. It also provides benefits for the officer to be able to perform other tasks rather than busy with customers. Only 13 percent of department stores have technology in 1994, but 80 percent of US supermarkets use this technology in 2002, and almost all US stores do today. In 2004, Sheetz was the first to use a touch screen kiosk by a pump where customers can also order food items inside the store they picked up after refueling. In 2012, Zarco USA was the first to order a touch screen at the pump.
Pay at the pump is seen as a way to reduce the cost of gasoline by reducing the needs of employees at gas stations. This is considered a major change from the days where full service is the norm at the pump, and the officer not only pumps fuel, but also windshield washes, and checks fluid and tire pressures, all while customers remain in full service vehicles legally mandated in the states of New Jersey and parts of Oregon. Oregon allows commercially self-serve gasoline for business use through cardlock networks such as Pacific Pride or the CFN cardlock network.
Video Pay at the pump
Fraud
Those who use pay in the pump feature can put themselves at risk of fraud, because thieves attach skimmers to pumps that can steal information from the card used to make a purchase. Many debit cards can be used to make purchases either as debit or credit. But those who make a purchase as a debit feed their information into the skimmer.
Without human interaction, there is no verification system when credit cards are used to make purchases, and no signatures are required. This allows those who have stolen credit cards or cloning, or those who do not use someone else's card to buy gasoline without a signature. Many stations now require customers to make a credit-based transaction to enter their zip code (United States) or equivalent (other country) to be allowed to purchase fuel.
The receipt issued by the pump, if not taken by the customer, often contains the credit card number used to make the purchase. If found later by thieves, this could be used to commit fraud against customers. Laws in some places prohibit full credit card numbers displayed on receipts.
This risk is offset by the risk of fraud by employees who copy credit card numbers or store receipts.
Maps Pay at the pump
Cost for consumer
Most gas stations with pay-at-the-pump capability will place a temporary holding on a certain amount of money, typically $ 75- $ 150, in a customer's account after the use of a debit or credit card to make a purchase. The pump must pre-authorize before allowing the customer to pump fuel to ensure funds are available to pay for the fuel. The length of time the funds are delayed, and not available to the customer, really depends on how fast the customer's bank processes the transaction. Depending on the bank, it may take several minutes to several business days before the funds on hold are released.
While this amount is delayed, the customer may be penalized for insufficient funds when making another purchase on the same account.
To avoid pre-authorization and suspension placed on their accounts, customers can pay for fuel in the gas station and not use the pay-in-pump service.
Cost for employee
Payments at the pump feature have caused fewer customers to enter the area of ​​charging stations selling other items that are usually sold at department stores, thus hurting the profit station of such sales. This is seen as an advantage to customers not only to save money, but also by reducing chaos and chaos in the vehicle.
This feature is also criticized for causing the loss of some work. While the station continues to have an officer on duty, the customer does a lot of ex-officer duties, resulting in a lack of job availability.
Some gas stations are completely unattended and only allow customers to buy fuel by paying at the pump.
See also
- Speedpass
- National Leisure Stores Association
References
Source of the article : Wikipedia
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