What do you mean the credit card is not certified?

When you use a credit card to swipe your card, you will be prompted that the magnetic stripe card is not authenticated. Please identify it.

Take my valid ID card to the bank counter to check a bank card, whether the magnetic stripe is demagnetized and whether to change the card.

According to the deployment of the People's Bank of China, before the end of 10, the national POS machines will close the downgrade transaction of chip bank cards, and the payment of chip cards will bid farewell to swiping cards and usher in the era of card insertion. Starting from next year, the newly issued bank cards in economically developed areas should be chip cards, and magnetic stripe cards will gradually stop being used.

Led by Wenzhou Central Sub-branch of China People's Bank, a two-month large-scale financial IC card marketing campaign involving all commercial banks and UnionPay in the city came to an end.

Extended data

Authentication includes two aspects.

1. User authentication: the network authenticates users to prevent illegal users from occupying network resources.

2. Network authentication: users authenticate the network to prevent users from accessing illegal networks and being defrauded of key information.

This two-way authentication mechanism is AKA (Authentication and Key Agreement) authentication.

Why hasn't the bank card been authenticated yet?

The failure to complete the personal data authentication in the bank may be due to the failure to apply for a bank credit card to bind the mobile phone in the bank, as well as the incomplete personal information, incorrect personal reserved information, failure to complete the personal information authentication, and the need for relevant platform authentication.

I. Incomplete personal information

In fact, everyone's personal data authentication is constantly updated with the progress of the times. Some materials need to be filled in by yourself, but some materials will be improved every year. As soon as the material is improved, it needs to be refilled and supplemented. At this time of the year, the personal data will be incomplete, so the bank will send a message to customers to remind them to go to the bank to supplement the complete personal data, so as to better serve the requirements of customers in the bank.

Second, the personal information authentication has not been completed.

If the bank sends it to you, you have not completed the personal data authentication. The simplest and most common thing is that you really haven't completed the authentication, or when the bank is busy, you just give the customer a bank card, simply register the relevant information, and fill it out without filling it in. You just send a message as a customer when the bank is idle, saying "you haven't completed the personal data authentication" and urging you to go to the bank to complete the personal data authentication, which can reduce the pressure on the bank at different times.

Third, the certification of relevant platforms.

In the last case, if you receive a message from the bank that you want to complete the personal data authentication, then there is another case that the personal authentication on some Alipay and some payment software is stricter than the requirements of the bank. Because of online payment, he needs to fully understand the information on the internet in order to serve people he has never met. Therefore, the reason why the bank sends information may be that he has to fill in relevant information when registering Alipay. At this time, he only needs to go to the bank to fill it out.

Fourth, the information reserved by individuals is incorrect.

When handling a bank card, we all need to provide personal information such as personal ID card and mobile phone number under the name of the individual to register the card, but some people will change their mobile phone number or personal ID card address, so this is inconsistent with the personal information reserved by the bank, and the bank cannot match the correct personal information, so it will send a text message to remind them. At this time, you only need to bring new personal information to the bank counter to change the information.

Credit card swiping shows that it is not authenticated, so you need to go to app for authentication and cash withdrawal.

In order to avoid stealing brushes.

When the user receives the credit card, there will be a verification number on the back of the credit card. You need to log in to the relevant credit card APP first, set the login password in the APP, and finally set the inquiry password. Login password and query password are generally different, just set two different passwords, which can further protect your funds. After finding the button to activate the credit card, you need to enter the verification number on the back of the credit card, and finally carry out real-name authentication.

After one authentication, there is no need to authenticate again after swiping the card. In general, you only need to identify the card before swiping it.

How to solve the failure of cardholder authentication when swiping a credit card?

When swiping the card, it shows that the cardholder's authentication failed, and there are many reasons why the card cannot be swiped. Generally, there are the following categories: First, the card status is abnormal, such as the card has been degaussed, the card has not been activated, the password has been locked too many times, and the card has expired. It is recommended to call the customer service hotline of CCB for confirmation; Second, there is no problem with the card, but the POS signal is not good, and the failure to connect to the network will also lead to the failure of swiping the card; Third, if the cardholder holds an IC chip credit card, because UnionPay has turned off the downgrade transaction function, if the cashier still operates the transaction by swiping the card instead of inserting the card, it will not be available.

This concludes the introduction of the meaning of credit card unauthenticated and credit card unauthenticated. I wonder if you found the information you need from it?