If you have a financial IC card (that is, a chip bank card) on hand, or if you have a UnionPay memory card in your mobile phone, you can do it by simply shaking it when you go to some stores for payment. On the 6th, He Hua, deputy director of the Science and Technology Department of the People's Bank of China's Chongqing Business Management Department, said that at least 50% of the POS terminals in the five major business districts of the main city this year can accept non-contact financial IC cards and realize fast payment. Kitchen Faucet,Faucet Kitchen,Faucet For Utility Sink,Sanitary Wares Kitchen Faucet Kaiping Yufa Sanitary Ware Co.,ltd , https://www.dlsenbathroom.com
The chip card has a maximum deposit of 1,000 yuan.
He Hua said that the Chongqing Management Department will organize various commercial banks, UnionPay Chongqing Branch, bank card receipt payment agencies and other units in the five major business districts of Jiefangbei, Guanyin Bridge, Nanping, Sanxia Square and Yangjiaping, and some specific conditions. The district and county business districts carried out the construction of the non-contact micro-payment business circle of financial IC cards. "At least 50% of POS terminals in the business district this year can accept non-contact financial IC cards."
The so-called contactless payment means that when the consumer pays for the purchase, he or she does not need to hand the bank card or mobile phone to the cashier, and shakes it directly on the POS machine to complete the payment quickly.
“We are renovating the POS machines in the five major business districts.†The relevant personnel of the UnionPay Chongqing Branch said that the pos machines of the companies in the five major business districts such as Hundred, New Century, Yonghui, Zhongbai Warehousing and Zhongkelong have been completed. Renovation, able to accept non-contact micropayments, "We will strive to complete the transformation of the POS machines in the five major business districts within the next year."
The amount of chip card storage is up to 1,000 yuan. When using e-wallet for small-scale fast payment, many banks stipulate that the amount of single consumption cannot exceed 200 yuan. This not only prevents the cardholder from using the money, but also avoids the loss of the bank card.
New financial IC card has non-connect function
He Hua said that they have asked the city's commercial banks to have non-contact trading functions when issuing new financial IC cards. It is said that the financial IC cards issued by the commercial banks in the city, except for the financial social security cards, all have non-contact transaction functions.
He Hua revealed that in the first half of the year, the city issued 9.46 million new financial IC cards, accounting for 66.8% of the total number of new cards issued by banks. As of the end of June, the city has issued a total of 27.77 million financial IC cards, accounting for the total number of bank cards in the city. 26.68% of the amount. In the above-mentioned financial IC cards, there are 20.38 million financial IC cards with electronic cash function and 1.867 million non-contact financial IC cards. More than 98.7% of the city's 109,000 ATM terminals can accept financial IC cards; more than 99.56% of the 111,200 POS terminals can accept financial IC cards.
"The cost of financial IC cards for non-contact transaction functions is slightly higher than that of general financial IC cards. Each card is increased by about 1 yuan." He Hua revealed that during the promotion period of financial IC cards, commercial banks are advised to handle for free for the public. Financial IC card.
Mobile phone payment does not require a password. "Now the bank card can be loaded into the mobile phone." According to relevant sources of China Merchants Bank, the bank has launched a mobile wallet, and the payment can be completed by directly swiping the mobile phone.
Putting a bank card into a mobile phone is not a bank. Chongqing Evening News reporter also learned that UnionPay Chongqing Branch and Telecom Chongqing Branch jointly launched UnionPay Yibao, users can upgrade their mobile phone to a mobile payment terminal without changing the mobile phone number and directly changing a UIM card. A mobile phone can be bundled with up to 10 bank cards, both savings cards and credit cards.
Mobile phones are also better. According to relevant sources of China Merchants Bank, the mobile wallet directly integrates the TOUCH card (Dajica, electronic cash card) into the NFC mobile phone with built-in security chip to realize the combination of mobile phone and bank card. At present, their NFC phones equipped with TOUCH cards come with near field communication. The HTC mobile phone loaded with the mobile phone wallet can be purchased separately. After the bank's business location is activated, it can be quickly consumed on the POS machine marked with the UnionPay Quick Pass. When the mobile phone is paid, you only need to confirm the payment amount. Shake the phone on the credit card device and complete the payment with a click."
"Our mobile wallet currently supports HTC's desire for C, ONE XC, ONE X mobile phones, and supports three major communication carriers such as mobile, China Unicom and Telecom." According to relevant sources of China Merchants Bank, there will be more models of mobile phones pre-installed in the future. The line of mobile wallets.
The above-mentioned person said that using mobile phones to pay, without losing passwords, without having to change the zero, completely eliminates the inconvenience of carrying cash and the cumbersomeness of losing passwords or signatures.
In Jiefangbei Department Store Supermarket, Chongqing Evening News reporter followed Mr. Tang, who held the chip bank card at hand, to experience. In the case of two shopping payments, the contactless transaction takes only ten seconds to complete the payment, while the traditional credit card method takes nearly one minute to complete the payment.
This realizes the payment function
There are at least three ways to choose. First, telecom mobile phone users and mobile phone users, directly to the business hall to change a UIM card, upgrade the mobile phone to a mobile payment terminal; second, purchase the HTC mobile phone loaded with the China Merchants Bank mobile wallet; It is to load a UnionPay storage card through each commercial bank outlet.
For those who want to change their bank to a chip card with a contactless transaction function, or a new chip card, they can go directly to the relevant commercial bank outlets. The procedure is the same as the previous debit card. There is a charge for charging a chip card with a contactless transaction function.
Three major questions
Will the chip bank card be copied?
There are two types of chip bank card standards on the market, one is the EMV standard that is widely used internationally, and the other is the PBOC2.0 standard of the central bank. Many commercial bank chip cards use central bank standards.
According to reports, the chip card technology content is higher, the capacity is larger, the personal password, card and reader two-way authentication, it is difficult to be copied and forged, and will not be degaussed like a magnetic stripe card. "There has been no copying of chip bank cards in the world."
According to reports, in many places in the country, the bank card has not been removed but the money has been taken away. It is very likely that the magnetic stripe card was copied by criminals. "The technology for copying magnetic stripe cards is not complicated." Industry insiders say that chip cards can prevent similar incidents.
Is bank card safe for mobile phones?
A person from the city’s bank said that the mobile wallet has been designed with multiple security mechanisms. Mobile phones that support mobile wallets are smart phones with built-in security chips that use the highest level of security. In addition, mobile phones that support mobile wallets are equipped with mobile phone password protection. They also use online banking security level security controls and password protection to protect passwords from being intercepted by Trojan viruses.
Will it be a coincidence to help others pay?
If the chip bank card is shaken, the payment will be made. If someone else is preparing for payment at the checkout counter, a citizen happens to carry a bank card with a contactless transaction function. Will it be a coincidence to help others pay?
People in the financial institutions in the city said that they have taken into account such risks when issuing cards, so when demanding contactless transactions, the cards must be within 2 cm of the POS machine, thus avoiding this risk.
For the public, after getting the chip bank card with non-contact transaction function, it is necessary to deposit the funds to the bank e-wallet exclusively at the bank outlet or ATM, so that the payment can be shaken.