The four elements of the cardholder are the bank card number, real name, ID number and mobile phone reserved by the bank. The four elements of cardholders are to verify the authenticity of user information. Many platforms judge the personal situation of users through the four elements of cardholders, which also prevents criminals from deceiving users on the Internet.

First, the meaning of the four elements of the cardholder

Bank card authentication is to verify the authenticity of bank card user data, so as to establish a sound and reliable internet credit foundation. There are generally two authentication methods: password authentication and identity authentication, in which identity authentication plays the role of' real name' and password authentication is the basis for users to withdraw cash. Some websites only classify ID card authentication as real-name authentication. When the user carries out four-fold authentication on the bank card, he associates his information with the bank card. At this time, if someone wants to illegally misappropriate account funds, it will be automatically identified by the system, thus reducing the occurrence of bank card fraud cases.

Second, the bank card application and loss reporting

The process of applying for a credit card and a debit card is different. When handling a credit card, you need to bring a valid certificate, proof of residence, proof of unit income or proof of personal assets. Go through the relevant formalities at the bank counter, fill in the application form and ask for true information. After filling out the application form, you should go to the head office of the bank for the record. It will take about 20 working days to issue cards to customers after the head office of the bank examines the application materials. Applying for a debit card is relatively simple. You only need to bring valid documents, mainly ID cards, fill in the application form at the bank where you open the account, and then you can issue cards to the applicant. The reporting procedures of major banks are not exactly the same. If lost, you can report the loss temporarily by telephone or online banking, and then bring your ID card and other supporting materials to the bank counter to report the loss.

As can be seen from the above, the four elements of the cardholder mainly refer to whether the real identity of the user, the user ID number and the reserved mobile phone number of the bank card are consistent with the matching bank card number. The cardholder's four elements can be used to access applets and official WeChat accounts. And verify the information of bank card and ID card, saving time and effort while automatically verifying.