UnionPay mobile payment

What is UnionPay mobile payment?

China UnionPay mobile payment is an innovative payment method which takes the financial smart card in the mobile phone as the payment account carrier and the mobile phone as the payment information processing terminal. It not only combines the mobile phone with the bank card, but also "puts" the bank counter in the cardholder's pocket, making your mobile phone a personal POS machine in your pocket, and logging in to China UnionPay mobile payment client anytime and anywhere, making life simpler, safer and more convenient.

China UnionPay Mobile Payment ensures the security of information storage and transaction through intelligent security patent technology and hardware-level encryption system, and adopts client mode, allowing users to easily experience financial services, commodity purchase, bill payment and other functions.

How to ensure safety?

UnionPay mobile payment adopts the most advanced and safest intelligent encryption technology in the world, and hardware-level encryption cannot be deciphered. Double password protection (SD card password and bank card transaction password) is more secure than traditional bank cards and online banking. Therefore, if the mobile phone is lost, there is no need to worry about the loss of bank card information and the security of account funds. Smart SD card can continue to be used after reporting the loss, and users can rest assured.

Characteristics of unionpay mobile payment

1, safe

Leading the high-level intelligent security patent technology in the financial industry to ensure information security.

Hardware-level encryption completely eliminates trojan horses, viruses, fake websites, hackers and other risks.

Authoritative certification of China UnionPay and National Bank Card Testing Center.

2. Convenient

In the coverage area of mobile phone network signal, you can use mobile payment business at any time, anywhere and at will, such as purchasing digital goods, completing mobile phone recharge, credit card repayment, self-help booking air tickets and other functions.

Using mobile phone client mode, the interface is friendly and the operation is simple.

What is UnionPay mobile payment?

UnionPay mobile payment is UnionPay mobile flash payment.

UnionPay mobile phone flash payment is based on non-connection technology, which realizes offline non-contact payment for mobile devices such as mobile phones and supports remote online payment, including Apple, Huawei, Samsung, Xiaomi, Meizu, Hammer brand Pay and HCE products.

China unionpay express universal mobile phone replaces the card to complete the flash payment transaction, and the mobile phone is simulated as a "bank card". He took this "bank card", approached the broken driver, entered the password and completed the transaction.

The reason why a mobile phone is a "bank card" is because there is a chip similar to a bank card in the mobile phone, which can be understood as NFC. When all kinds of Pay are opened, they will apply to the bank for a virtual card number, which will be written into the NFC chip in the mobile phone. At this time, this chip is simulated as a bank card, but this card is actually invisible. The bank has a record of this card, so it can pay.

NFC can store multiple virtual card numbers, so it can bind multiple bank cards. Of course, due to the limitation of chip algorithm, the number of bank cards that different mobile phones can bind is also limited.

Extended data

Advantages of unionpay mobile phone flash payment:

1, bank card account management function

Binding UnionPay cards can be supported in related mobile phone flash payment apps.

Click on the bound bank card, you can query customer service phone number, SMS service, nearest ATM, integral rules and other information, and you can also enjoy the consumption management function below 9 speed:

(1) Inquire about the domestic and overseas rights and interests of bank cards;

(2) the function of quickly browsing consumption details;

(3) Consumption analysis function.

2. Mobile payment function

As long as UnionPay China UnionPay Express users have tied their cards, they can make daily consumption payments such as sweeping, payment and collection on the homepage of "Card Package". In addition, if your bank card is enabled with mobile phone flash payment, they can realize "one payment" when using it, and the mobile phone can be placed near the POS machine or self-service terminal to complete the transaction payment.

3. Other functions

It is reported that other functions in China UnionPay Express APP, such as the opening and application of Class III bank accounts, credit card bill inquiry and repayment, debit card balance inquiry, inter-bank repayment and mobile phone flash payment application card, are also being continuously optimized.

Sogou encyclopedia-UnionPay mobile phone flash payment

UnionPay mobile payment

Introduction: Fast and secure instant payment software is realized by registering and associating bank cards. Application Description Product Description:

"UnionPay Internet Mobile Payment" is a leading instant payment product that China UnionPay integrates rich online and offline resources and creates for users. This product adopts the highest standard security mechanism in the industry to ensure payment security, allowing you to easily manage bank card accounts and enjoy all kinds of intimate information inquiry, financial self-help, convenient payment, remote shopping and other services.

Supporting banks: At present, the banks that have opened UnionPay Internet mobile phone client authentication and payment consumption are:

Credit cards: Industrial and Commercial Bank, Agricultural Bank, China Bank, China Construction Bank, Bank of Communications, China Merchants Bank, Shanghai Pudong Development Bank, Minsheng Bank, Industrial Bank, Huaxia Bank, China Everbright Bank, China Guangfa Bank, China CITIC Bank, Bank of Beijing, Bank of Shanghai, Postal Savings Bank, etc.

Debit cards: Industrial and Commercial Bank of China, Agricultural Bank of China, China Everbright Bank, Shanghai Bank and Citibank. Important: After registering and logging in this product, you will be prompted to verify your identity. Please enter the mobile phone number you are using. The mobile phone number must have a unique correspondence with the entered bank card, otherwise it cannot be verified. After authentication, the entered bank card will automatically become a payment account.

Before using this product, you must confirm that you have reserved a valid mobile phone number in the bank. Because most credit cards leave their mobile phone numbers in the bank when they are processed, it is not a problem for users who use credit cards to pay. If you pay by debit card, you need to reserve your mobile phone number by opening the bank's service items:

ICBC: The mobile phone number is saved in the card processing system (it can be modified at the counter or professional online banking).

Agricultural Bank: At least open SMS notification service.

China Construction Bank: Leave the mobile phone number at the counter and open any electronic banking business such as online banking, mobile banking and home banking.

Bank of Shanghai: UnionPay card payment service must be opened at the counter.

Everbright Bank: Launching electronic payment function (which can be applied at the counter or professional online banking).

Bank card binding process:

You can add a bank card account in the account management column of this product, select the supported bank list, and enter the card number, expiration date, CVN2 and SMS verification code to complete the bank card binding.

Safety tip: Please protect the bank card information and the login password of this client product to ensure the safety of funds.

Product features: safe, fast and fashionable. Product features: 1. It is easy to bind and manage multiple bank card accounts to facilitate your balance inquiry.

2. Pay water, electricity and coal bills anytime and anywhere (Shanghai, Jiangsu, Zhejiang and other regions have been opened at present).

3. Recharge the phone bill (directly charge the phone bill of China Mobile, China Unicom and China Telecom).

4. Credit card repayment: it supports the credit card repayment business of major domestic commercial banks, with simple operation to ensure timely and accurate repayment.

Credit cards supported by repayment business: China Merchants Bank, China Everbright, Shenzhen Development Bank, Xingye, Ping An, CITIC, Ningbo, Guangfa, Bank of China (Shenzhen), Minsheng, Shanghai, Huaxia and Bank of East Asia.

Debit cards supported by repayment business: China Merchants Bank, China Everbright, Minsheng, CITIC, Shanghai Pudong Development Bank, Xingye, Huaxia, Ping An, East Asia, Shenzhen Rural Commercial Bank, Shenzhen Development Bank, Hunan Rural Credit Cooperative and Hainan Rural Credit Cooperative.

4. Preferential merchants: around your main life scope of food, clothing, housing, travel, shopping and entertainment, provide 62 exclusive discount information of UnionPay cards in all directions, which is not limited to banks and offers unlimited discounts.

5. Location service and reservation payment: Use the LBS positioning function of mobile phone to realize location service, search the information of surrounding UnionPay preferential merchants through your location, and provide integrated online reservation and online payment services.

6. Mid-Autumn Festival special offer: mooncake gift boxes in more than 20 cities, including Beijing, Shanghai, Tianjin, Chengdu, Dalian, Kunming and Shijiazhuang, are open for online purchase, and QR code is received by SMS to realize on-site receipt (QR code SMS can directly send any mobile phone number and support personalized greeting input).

More functions and applications will be launched soon, so stay tuned!

What are the benefits of UnionPay mobile payment?

Benefits of using UnionPay mobile phone to pay:

1. There is no need to open online banking, the procedure is simple, and multiple page jumps are not required;

2. Simple opening or registration;

3. A variety of payment methods, authentication, fast, small, stored value cards, online banking;

4. Security, payment requires a mobile phone verification code;

5. Support multiple banks, and currently support 180 banks;

6. There are many supported merchants, which have been strictly examined by UnionPay.

Mobile payment service is a new service that China UnionPay, with the support of commercial banks, cooperates with mobile operators to complete payment transactions by operating bank card accounts through mobile phones. This service connects the wireless communication network of mobile communication operators with the banking financial system, making the mobile phone a personal financial payment terminal that can be carried anytime and anywhere, and the cardholder can enjoy the financial payment service anytime and anywhere without leaving home.

What is the difference between UnionPay mobile payment and UnionPay accompanying?

The difference between unionpay mobile payment and unionpay accompanying;

1. UnionPay mobile payment: China UnionPay mobile payment is an innovative payment method with the financial smart card in the mobile phone as the payment account carrier and the mobile phone as the payment information processing terminal. It not only integrates the mobile phone with the bank card, but also puts the bank counter in the cardholder's pocket, making the customer's mobile phone a personal POS machine in your pocket, and logging in to China UnionPay mobile payment client anytime and anywhere, making life simpler, safer and more convenient.

1, enjoy the benefits:

In the coverage area of mobile phone network signal, you can use mobile payment business at any time, anywhere and at will, such as purchasing digital goods, completing mobile phone recharge, credit card repayment, self-help booking air tickets and other functions.

Using mobile phone client mode, the interface is friendly and the operation is simple.

2. Basic services:

Convenient services: payment of utilities, mobile recharge, Unicom recharge, telecom recharge, national direct charge and other services.

Financial services: Financial services can realize balance inquiry, bank card transfer (soon to be opened) and credit card repayment.

Leisure and Entertainment: Movie ticket reservation and Wang Jun game card purchase can be realized through mobile phone payment.

Business travel service: Mobile payment users can book tickets by telephone and self-service.

3. The "bill" function can realize the bill payment by mobile phone, and the prepaid bill can be automatically transferred online in the bill interface. You can view "paid bills" and "invalid bills" through the options menu or manually refreshing the bill interface. After the payment is successful, the interface will be refreshed immediately, and the bill information paid before will no longer be displayed in the bill interface. These bill information can be viewed in the "Paid Bill" interface.

Second, with UnionPay: China UnionPay integrates rich online and offline resources to create leading instant payment products for users. This product adopts the highest standard security mechanism in the industry to ensure payment security, allowing you to easily manage bank card accounts and enjoy all kinds of intimate information inquiry, financial self-help, convenient payment, remote shopping and other services.

1, enjoy the benefits:

(1) Easily bind and manage multiple bank card accounts, which is convenient for you to check the balance.

(2) Pay water, electricity and coal anytime and anywhere.

(3) Recharge the phone bill (China Mobile, China Unicom and China Telecom directly charge the phone bill).

(4) Credit card repayment: Credit card repayment business of major domestic commercial banks is supported, with simple operation and timely and accurate repayment.

(5) Bank card preferential information.

(6) Convenient and quick card recharge service.

How is the UnionPay voice payment method made?

1. Introduction of UnionPay mobile payment: You only need a savings card and a mobile phone with UnionPay logo, and you can easily complete the payment without opening online banking.

Two. Usage scenario: Only Taobao transaction payment is supported. Four. Unionpay Mobile Payment Process 1. When shopping in Taobao, select "UnionPay Mobile Payment" (Postal Savings Bank) under the label of Alipay cashier and savings card. 3. Unauthenticated customer: fill in * * * real name, ID number, bank card number and mobile phone number to authenticate customer: fill in ID number, bank card number and mobile phone number, and click "Next". 5. Can UnionPay mobile payment be recharged? A: No.

6. Can UnionPay pay by mobile phone with red envelopes, shopping vouchers and integral treasure? A: No. 7. What is the payment limit of UnionPay mobile phone? The daily limit handling fee for a single limit of customer type is 1 000 yuan (including 1 000 yuan) in 500 yuan (including 500 yuan) that has not passed the real-name authentication, and is charged at 1% of each transaction amount.

The lowest is 1 yuan, and the highest is 25 yuan (non-refundable). Has passed the real-name authentication of 1000 yuan (including 1000 yuan) and 5000 yuan (including 5000 yuan). Eight. What if I can't get a call from UnionPay? Under normal circumstances, UnionPay will call you immediately. Please be patient. If you still don't receive the call after 1 minute, you can click the "redial mobile phone" button at the bottom of the page, and UnionPay will call again. Nine, UnionPay mobile payment Why has the bank card been deducted, but it is not displayed in Alipay? It may be caused by network information exchange, and it will be resumed the next working day.

If the next working day is not resumed, please call Alipay customer service hotline 057 1-88 156688.