With the on-line service of no card payment and no card deposit and withdrawal, more and more bank card customers can handle many daily financial services without physical card support. Perhaps one day, bank cards will also fade out of our lives just like bank books.

However, it is also worth noting that when dealing with non-card business, the prevention of risks needs special attention.

ICBC joins "without cash withdrawal"

Recently, ICBC officially launched its “No-Card Cash Withdrawal” business. As the largest retail bank in China, the launch of ICBC’s business will not only drastically promote the use of “No-Card Cash Withdrawal” but will also enter into this business for other banks. Have a certain role in promoting.

According to reports, Industrial and Commercial Bank of China has officially launched this kind of mobile phone appointment withdrawal service across the country. After ICBC customers log in ICBC Mobile Banking to apply for an appointment cash withdrawal service, they can use a mobile phone number, an appointment code, or a temporary password sent by the bank without a bank card. Such information is withdrawn from any ICBC ATM.

When using a mobile phone to make an appointment to withdraw cash, the customer can first log in the bank’s mobile banking, select the “appointment withdrawal” function, reserve an “appointment code” according to the prompt, determine the effective time of the appointment, enter the cash withdrawal amount, specify the withdrawal account, and pass A media such as a password card or e-cipher is used for identity authentication. The customer will then receive a temporary password message from 95588. The customer can go to any ICBC ATM to withdraw money within the effective time set by himself. When he withdraws funds, he must input the mobile number, the reserved “reservation code” and the temporary password sent by the bank. At present, the single and daily withdrawal limit for this service is 1,000 yuan and 5,000 yuan respectively.

In order to ensure the safety of customers' funds, the designated account that can be used to make cash withdrawals through mobile banking can only be a debit card account. ICBC also requires that the debit card must be added by the customer to the mobile bank through the Industrial and Commercial Bank outlets and open the external payment authority. Instead of self-service add to mobile banking.

In fact, ICBC was not the first to launch a bank without cash. In 2010, Bank of Communications introduced a new path for innovation during the Shanghai World Expo. It is also an innovative product of Bank of Communications’ “e-mobility”.

To use Bank of Communications' “No-Card Cash Withdrawal”, it is also necessary to register as a mobile banking customer of Bank of Communications and bind its own mobile phone with a bank card to open the function of mobile banking. In the business interface of Bank of Communications’ mobile banking, there is a service called “ATM Machine Appointment Withdrawal”, which is also the key to the realization of no card withdrawal.

Enter the mobile phone banking "mobile cash withdrawal" interface, you can choose "ATM machine to make withdrawals." According to reports, in the process of making an appointment, the customer needs to select the bank card number as a cash advance card, an appointment code determined by themselves (which needs to be used in cash withdrawal), and the amount of the cash withdrawal. In addition, during the booking process, the customer will be required to enter the corresponding SMS verification code according to the bank's SMS notification. According to the provisions of the Bank of Communications, the amount of the appointment for appointment must not exceed the maximum amount of cash withdrawal per day specified in the opening of the mobile banking business.

After making an appointment through mobile banking, you can select any ATM in the Bank to operate. At present, Bank of Communications has updated the self-service terminal equipment and can directly enter the interface of “mobile phone cash withdrawal”. At this time, as long as you follow the instructions, enter your own mobile phone number, a preset appointment code, and a bank card withdrawal password, and you can perform the cash withdrawal within the range of the reservation amount. In this way, without a bank card as a medium, ATMs can also be used for withdrawals. However, when it is used, there are some specific requirements for mobile banking “ATM machine withdrawal”. For a single appointment, as long as the amount of cash withdrawal is not exceeded, it can be completed in different ATM machines. The Bank’s regulations provide that there is no limit to the number of reservations for a single day, as long as the amount of the withdrawal is within the range; however, if the appointment After the withdrawal was not made and a second appointment was made, the previous appointment will be automatically voided.

No card can also be consumed

The words “card swiping and consumption” have been closely linked, but in the era of no cards, no cards can be consumed.

Fingerprint payment methods supported by “Yingfutong” have gradually become familiar to consumers. In the case of consumer payment, there is no need for bank cards or cash, and it is only necessary to press a fingerprint on a dedicated payment device, and the system will automatically recognize it. The relevant fingerprint information is associated with the already-paid payment account. After the consumer enters the ID code correctly, the merchant will deduct the money from the account, thus realizing no card consumption.

In fact, the "pay-to-pay" payment method is to bind the user's fingerprint information with bank account information. At present, the "pay-to-pay" service can establish cooperation with 8 banks to support the borrowing of the 8 banks. Cards and credit cards are used as binding accounts, and cardholders open their own “find pass” accounts through bank outlets, online banking, and “pay to pass” experience stations and bind bank accounts. Therefore, we can understand the "fingerprint" as our account ID, and when you use it, you need to input another identification code that you set up beforehand, that is, password, to enhance the security when using this payment method.

It is worth mentioning that fingerprint payment has been launched for several years. Through vigorous marketing, merchants that can support fingerprint payment continue to expand, and consumers gradually turn from doubts to acceptance.

Of course, there is no other form of card consumption. In the Bank's "e-mobility" business, it can support card-free consumption. The principle of its use is basically the same as the cardless cash withdrawal. That is to say, the mobile banking user of Bank of Communications logs in the mobile banking, makes a reservation for the consumption limit, and sets an appointment code. When the consumer checks out, it only needs to enter the mobile phone number on the merchant POS machine. , Appointment code and bank card spending password, can achieve no card consumption.

Safer or more dangerous

For the non-card consumption, one view is that it is separated from the payment method of the bank card to avoid the risk of losing the card, and it is also more reliable and safe to use; another view is that no card withdrawal and no card payment have to rely on Other carriers, such as mobile phones, are at greater risk when used.

Objectively speaking, although banks are constantly improving the security level of mobile banking, compared with the security protection of online banking, mobile banking is clearly inferior. Therefore, in the mobile banking business, many banks have also added new security protection means. For example, when making payments or transactions, you need to enter the confirmation code sent to the mobile phone short message or use an electronic cipher, and use the randomly generated password as a verification code. . In addition, the transaction amount for mobile banking is preset. For users, when using related services, they also need to improve their vigilance and ensure the security of their accounts. The simpler approach is to limit the amount of transaction for the bound account and to reduce the risk to a manageable range while enjoying the convenience of the cardless era.

Another risk comes from the risk of losing the mobile phone itself. For mobile phones that have downloaded applications such as mobile banking, we suggest that you actively use passwords, remote query and other security measures to avoid loss due to loss of mobile phones.

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