Question 1: What does electronic cash in China Bank mean? Generally speaking, electronic cash transaction is an electronic wallet account superimposed on your bank card. You can choose to pay by bank card account or electronic cash account when you swipe your card.

E-cash is regarded as cash, and the account limit is 1000 yuan. Like cash, it is anonymous and does not report the loss. In other words, if you lose your card, you can reissue it, and the money in your bank account is still there, but you can't get it back, just like if you lose your wallet, you can't get it back.

The advantage of electronic cash is that it is fast to pay. Just like swiping a bank card and a bus card, it can be put on a POS machine, which saves the trouble of change.

Question 2: What does the electronic cash in the bank card mean? The currency in e-wallet is called e-cash, which is converted from real currency 1: 1 to payment, and can be converted into equivalent real currency.

Electronic cash:

Electronic cash is actually a technology to simulate cash in electronic form.

E-cash system attempts to copy the characteristics of cash online transactions in many aspects: convenience, low cost (or no transaction cost);

Electronic cash is anonymous and so on;

However, not all electronic cash systems meet these characteristics, and most electronic cash systems can provide convenience for small online transactions.

Question 3: What is the use of electronic cash account in China Bank? E-cash is a payment function to facilitate cardholders' small consumption. The use process of the card is similar to that of the bus IC card, and you can pay quickly without entering a password by swiping the card. Now bank ic chip cards have the function of electronic cash.

Supplement: IC bank card. IC card is a bank card with chip as the medium. Compared with the magnetic stripe card, the chip card has higher security, and the sensitive data in the card is difficult to copy. Moreover, the chip card not only has all the financial functions of the ordinary magnetic stripe bank card, but also has an electronic cash account, which supports off-line micro-payment, and can realize fast payment and smart card mobile payment with contactless interface.

Question 4: How to use electronic cash account: Take Guangfa Bank as an example;

1. The initial amount of the electronic cash account of Guangfa UnionPay ic credit card is zero, and it cannot be overdrawn. The electronic cash account can only be used after it is recharged, and the balance of the electronic cash account does not pay interest after recharging. The maximum amount of electronic cash account is RMB 1 1,000 yuan. You can make an active deposit through our ATM.

? Deposit is a transaction that points to the recharge of electronic cash account. The deposit amount is regarded as an expense and included in the current bill of the credit card account. After deposit, the balance of electronic cash account cannot exceed the preset upper limit of electronic cash balance. The deposit and recharge amount shall not exceed RMB 1000, and the accumulated deposit and recharge amount in a single day shall not exceed RMB 3,000. ? The initial default setting of the upper limit of electronic cash balance is RMB 300 yuan; After opening the card, you can log in to our online banking and mobile banking to modify the settings. * After modification, only through online transactions, such as credit account consumption or balance inquiry transactions in our bank/UnionPay POS, or withdrawal or credit account balance inquiry transactions in our bank/UnionPay ATM, can the upper limit of electronic cash balance of the card be updated synchronously. ? The initial default setting of the upper limit of electronic cash balance is RMB 300 yuan; After opening the card, you can log in to our online banking and mobile banking to modify the settings.

2. Electronic cash transactions can be made by inserting a card or a debit card, and credit card transactions can be completed by inserting a card or swiping a card.

? You can use or conduct electronic cash transactions among merchants.

? Merchants who can accept IC cards will conduct credit card transactions through chip transactions first. When the chip transaction is not supported or fails, the transaction can be made by swiping the card.

3. The balance of electronic cash can be inquired through our ATM.

4. Transaction details of electronic cash account can be inquired through online banking, mobile banking and monthly bills. If there is no credit card transaction during the billing period and there is no outstanding balance in the credit card account, the bill inquiry service will not be provided temporarily.

5. If the card is lost or stolen, you can call our customer service hotline to report the loss of the credit card account, and the electronic cash account will not report the loss.

6. The balance of the electronic cash account can only be withdrawn from our outlets after the cancellation of the credit card account takes effect, and the card will be recycled and destroyed by our bank. If you don't withdraw cash at our outlet after returning your card, the balance of the electronic cash account can continue to be used until the card expires.

7. When the card is updated, the electronic cash balance of the old card will be automatically transferred to the credit card account 30 natural days after the card expires, and the amount transferred will be subject to the records of the banking system. When changing the card, the electronic cash balance of the old card can be transferred to a new card at our outlets, and the old card will be recovered and destroyed by our bank. The bank will transfer the balance of the electronic cash account to the credit card account within 30 natural days after acceptance, and the transfer amount shall be subject to the records of the banking system. If it is not returned, the electronic cash balance of the old card can continue to be used until the card expires, and recharge is not allowed during this period.

? The transaction of withdrawing cash from the balance of an electronic cash account or transferring it to a credit card account is called withdrawal.

8. The deposit is not integral, but the electronic cash consumption is integral. The integral rules are the same as the accumulation rules of credit card account consumption points of this product.

9. Within the scope permitted by law, Guangfa Bank can adjust this product and detailed rules of activities according to the provisions of national laws and regulations and the actual situation.

Question 5: What is electronic cash? How to use it? Now, in addition to face-to-face direct cash transactions, Taobao shopping or transfer between bank cards can be said to be electronic cash.

Question 6: What is the main difference between electronic cash and electronic bank card? Five points?

Question 7: What is an electronic cash account? An electronic cash account is an account in a chip card. After the money is circled (maximum 1000 yuan), flash payment is supported. You don't need to insert a card, you don't need a password, you can pay with a wave of your hand, and electronic cash doesn't support cash withdrawal and loss reporting.

Question 8: What is the function of ABC's electronic cash? Electronic cash, also known as electronic money or digital currency, is a very important electronic payment system. It can be regarded as an electronic or digital simulation of real money. Electronic cash exists in the form of digital information and circulates through the Internet. But it is more convenient and economical than real money. Its simplest form includes three subjects: merchants, users and banks; And four security protocol processes: initialization protocol, withdrawal protocol, payment protocol and deposit protocol. The anonymity of users in fair electronic cash is incomplete, and it can be revoked by a trusted third party (TTP), thus using the complete anonymity of electronic cash to prevent criminal activities.

Electronic cash is a mature electronic payment method, which is suitable for small transactions paid through the network.

Question 9: What does electronic cash transaction of China bank card mean? 10 points means that you have an e-wallet account on your bank card. The upper limit of electronic cash account is 65,438+0,000 yuan, which is the same as cash. In other words, if the card is lost, it can be reissued, and the money in the bank account is kept, but the money in the electronic cash cannot be recovered.

Electronic cash payment is fast, just like swiping a bank card and a bus card, just put it on a POS machine without entering a password.

Question 10: What is the electronic cash in the credit card? E-cash is an account, which can store at most 1 000 yuan for small consumption. Its advantage is that the transaction can be completed by induction near the credit card machine without entering a password, and the card account can deposit the amount into the electronic cash account and then complete the transaction. This function is the development trend of savings card in the future, and this function is being gradually developed at present. If you don't understand anything, you can call credit card customer service. The human service will give you a professional explanation.