What's wrong with paying for consumption without a card?

Card-free payment is a way to complete internet payment without opening online banking by using payment verification elements, such as SMS verification code, password and card number, combined with UnionPay security certification. If the cardholder does not spend by himself, but does not pay by credit card, it is likely that the user information is leaked and gives others an opportunity. In this case, the user should first report the loss of the bank card, then confirm the running water, and then use judicial means to retrieve the lost property.

The opening of UnionPay card for card-free payment can be handled through bank outlets and online banking (including telephone banking, etc.). ).

Specifically:

1. unionpay card is free of payment, which can be handled at the bank counter with ID card and unionpay card.

(1) The following banks must go to the counter:

China Postal Savings Bank, Bank of Communications, Shenzhen Development Bank, China CITIC Bank, Shanghai Pudong Development Bank, Ping An Bank, Hebei Bank, Shanghai Bank and Beijing Bank.

(2) The following banks can be opened during payment:

China Agricultural Bank, China Construction Bank, China Everbright Bank, Industrial Bank, China Bank, Minsheng Bank, Huaxia Bank, China Merchants Bank, Chengde Bank, Cangzhou Bank, Handan Bank, Hengshui City Commercial Bank, Qinhuangdao City Commercial Bank, Tangshan City Commercial Bank and Zhangjiakou City Commercial Bank.

2. Before customers use the UnionPay cardless payment function, they must go through the opening procedures of UnionPay cardless payment through bank counters, telephone banking, online banking, self-service banking and other channels. Customers can also inquire, modify and close UnionPay cardless payment service through the above channels as needed.

Payment without a card must prevent personal information from leaking.

To ensure the security of card-free payment, the first thing is to ensure the "cleanliness" of the mobile phone. Consumers should try to buy mobile phones through official channels to reduce the risk of mobile phone infection in advance. If the mobile phone is abnormal, you should immediately go to the official mobile phone after-sales maintenance department and ask professionals to reinstall the system to eradicate the virus.

In the case that the mobile phone has become a "wallet", once it is lost, it must be stopped immediately. If there are funds in the payment account, you must report the loss of the payment account first, and if necessary, you can directly freeze or report the loss of the bank card to ensure that the funds are not stolen.

In order to improve the awareness of prevention when using cards in daily life, we should also develop these good habits: protect information such as bank card passwords and payment passwords, and pay attention to shielding when entering payment passwords in public places; It is forbidden to link unknown websites to avoid personal information being stolen; When paying, avoid using free WiFi in public places, which is easy to be used by criminals to steal personal information.

Customize SMS reminder and account moving reminder to find account changes in time and minimize risks; Change your password frequently. At the same time, consumers can also consider using the payment channel of matching fund insurance, or consider buying "account security insurance" and other related insurance, and they can get certain compensation after losses occur.