What is a card-free transaction?

card-free transaction means that you don't need to bring a bank card or open online banking, and you can use the pre-

left mobile phone number for verification, so that the cardholder can complete the transaction of Internet payment

. However, attention should be paid to this card-free transaction. No matter what short message content you receive, if it contains strange links, don't open it,

so as not to go into phishing websites.

Credit card transaction without card

Since last year, UnionPay has been implementing the function of China Unionpay Quick Pass. As long as you have a credit card, you can apply for a bound mobile phone and pay when you consume it. Because of the special protection program, the possibility of credit card information being copied and stolen is avoided, and this transaction method will be fully implemented in the future.

the so-called credit card transaction without a card refers to the behavior that credit card consumption can be realized without the physical action of swiping the card on the POS machine. So is this card-free payment safe? According to industry insiders, generally speaking, the card-free payment method can complete the transaction only by providing the card number, expiration date, the last three codes and ID information, which is common when cardholders book hotels, air tickets or shop online.

in order to prevent risks, the credit card transactions launched by banks have unique means. For example, the biggest feature of Longka e-payment card is "transaction switch for anti-theft". As the first online credit card with transaction switch function in the industry, cardholders can set the transaction switch of Longka e-payment card through China Construction Bank's mobile banking and personal online banking, which can be turned on and off as needed. At the same time, you can also set the limit of a single transaction and the transaction reminder function independently.

The "code-changing payment" service previously launched by Agricultural Bank of China for cardholders in Shanghai can also effectively reduce the payment risk of online transactions. "Code-changing payment" can provide credit card customers with a new "code-changing" card number independent of the physical card number by applying for the virtual card number of the credit card immediately. All credit card holders of Agricultural Bank of China can get a brand-new set of card numbers, expiration dates and cvv2 codes (the last three codes) for free immediately by calling the bank's customer service before making online payment, and then use this set of "virtual variable codes" completely different from the main card to complete the safe payment, so as to avoid the risk of stolen credit cards that may be caused by information leakage.