The feedback payment of Weizhong Bank's banking system failed.

It may be because the balance in the account is insufficient, and the available amount of payment reserve is not enough to pay the transaction amount. It is also possible that the customer's consumer merchants are within the scope prohibited by Weizhong Bank, and the WE2000 reserve fund can only be used for daily consumer merchants, but not for non-daily consumer merchants such as games, investment and house purchase.

Extended data:

Internet banking or electronic banking refers to the use of modern digital communication, Internet, mobile communication and Internet of Things technology. Online banks can absorb deposits, issue loans and make settlement payments.

Online through cloud computing, big data and other means to provide customers with all-round seamless, fast, safe and efficient Internet financial service institutions such as deposit, loan, payment, settlement, remittance, e-ticket, e-credit, account management, currency swap, P2P finance, investment and wealth management, and financial information.

Online banks can absorb deposits, issue loans and make settlement payments. This model has been well developed and operated abroad, and it is on the rise, eroding the space of traditional banks. At present, due to policy restrictions, private banks have not been fully liberalized in China. IB (Online Banking) of online banking, that is, online banking business, cannot be launched for the time being, but the system development has been completed and the internal testing has been completed, waiting for the license application. In China, the online banking platform related to online banking has been launched.

If we look at the services provided by Weizhong Bank APP from the perspective of the basic functions of banks, such as deposits, loans, remittances, etc., it is difficult to regard it as a complete mobile banking product. All Internet users only need to submit their names, ID numbers, mobile phone accounts, etc. And then bind the bank card of another bank for cross-verification, and then they can successfully open an account and get a virtual micro-public card with the card number of 19. Users can transfer money to Weizhong Card through the counters and online banking of more than 600 banks nationwide/KLOC-0. However, in the transfer direction, Weizhong Card can only transfer money with other bank cards with the same name, and does not support functions such as credit card consumption and transfer to others for the time being.

For Internet banks without offline outlets, if the problem of remote account opening cannot be solved, it will be difficult to truly realize all the functions of the bank. However, Weizhong Bank also introduced a face recognition module when users bound the second bank card. From the reporter's actual experience, this module needs to scan and identify the name, gender and other information on the user's ID card. At the same time, it requires the user to read a number, judge that the user is a real-time living person through lip language monitoring, and then compare the image with the photo file in the information database of the Ministry of Public Security. Some analysts said that the introduction of face recognition is precisely for the future remote account opening "testing water" related technologies. It is understood that the central bank recently issued a draft of the "Guiding Opinions on Opening RMB Bank Accounts by Banking Financial Institutions" to some banking institutions, but there is no clear timetable for when to launch remote account opening.