1, the issuing bank's business outlets, ATMs and POS counters;
2. ATM and POS self-service terminals of other banks that support inter-bank deposits and online banking, and support deposits of China UnionPay terminals (such as mini payment).
Chip credit card is the most advanced credit card in the world. In addition to the traditional magnetic stripe identification system, a highly integrated chip is used as the information carrier, which lays a solid foundation for the security and function expansion of credit cards. Major card issuers in Hongkong and Taiwan Province are gradually upgrading from traditional credit cards to chip credit cards, and Industrial and Commercial Bank of China has also taken the lead in launching chip credit cards.
1) The efforts of europay, visa, MasterCard and JCB have contributed greatly to the promotion of chip credit cards. In order to encourage members to switch to chip credit cards, they have taken various measures to provide preferential handling fees for banks that use chip credit cards and chip card readers, and to provide protection policies so that these banks will not be affected. If there is a responsibility for theft; Banks that don't use chip credit cards will charge extra fees, and when chip credit cards are stolen because merchants don't provide chip card readers, they will bear full responsibility.
2) As it is still in the transitional stage, the chip credit card needs to be equipped with a magnetic stripe, so that the cardholder can use it without a chip reader (if there is a chip reader, the magnetic stripe will not work); However, when banks all over the world adopt chip credit cards and card readers, they will completely abandon the magnetic stripe and make credit cards perfect. UnionPay standard peony chip credit card can be used for rapid consumption in Shanghai World Expo Park and other areas, exceeding 15000 POS terminals with UnionPay upcash logo. It is estimated that by the end of the year, the number of such POS terminals is expected to reach 30,000, covering large supermarket chains, fast food restaurants, convenience stores and cinemas.
3) Enclosing is a bank term, which means that consumers directly deposit money into the bank account (deposit) on the IC card, so that consumers can spend by credit card, avoiding the risks of carrying cash, losing, counterfeit money and being robbed. Most of the funds deposited are swiped by individuals in a specific consumption environment. Through deposit transaction, the cardholder can transfer the funds in the corresponding bank account to the electronic passbook or electronic wallet; The transaction must be conducted online at the financial terminal; The cardholder's personal password needs to be verified before the recharge transaction.