Bank pre-payment is not stolen. This consumption function has nothing to do with individuals. Because the main business handled by this system is the business between banks and UnionPay, it mainly includes reporting between the bank's internal exchange platform and the UnionPay exchange system. At the same time, abnormal transactions will be handled to ensure the integrity of online transactions.

If you find that there is a bank pre-charge on your bank card statement, you can call customer service to inquire about the situation. In most cases, this is because automatic repayment is bound between bank cards and debit cards. If credit card repayments are delayed, UnionPay credit card pre-deductions will be generated. It is recommended to change your bank card to avoid additional consumption.

1. Three functions of UnionPay pre-consumption.

1. Transaction transfer function:

Transaction transfer provides functions such as UnionPay standard business online transaction processing, UnionPay corporate payment business online and batch transaction processing. It realizes the transfer of intra-bank transactions and inter-bank transactions of commercial banks, and provides a variety of interfaces, which can process not only transactions from within the bank, but also inter-bank transactions from the UnionPay network.

2. Business management function

The UnionPay front-end system provides real-time monitoring and risk monitoring of transactions, end-of-day reconciliation, detailed matching and other functions, and supports the China UnionPay system (universal on the Internet) Specification version 2.1), realize all new functions of the UnionPay system (Universal Networking Specification version 2.1), and provide a complete, safe and effective business processing platform for the UnionPay card business of commercial banks.

3. Clearance management function:

The clearing module implements functions such as clearing, reconciliation and error handling. This is achieved by connecting with UnionPay, core business systems and POS business systems. The clearing and reconciliation data shall be based on the clearing date of UnionPay Center.

2. Advantages and characteristics of UnionPay pre-payment.

Support the processing of all business acceptors and card issuers involved in the "China UnionPay Bank Card Network Joint Technical Specification V2.1" standard (including all contents of UnionPay 2009, 2010, and 2011 versions); long-term investment in professional product line to ensure long-term support for "UnionPay MCIP-UnionPay front-end system".