1. Basic knowledge about bank card safety

2. Basic payment questions and answers

Basic knowledge about bank card safety 1. Bank card safety knowledge /p>

Compared with cash, bank card is a safe and fast payment method.

Currently, various commercial banks and UnionPay have adopted various technical means and security measures to maximize the security of cardholders' funds. However, it is very important for cardholders to have some necessary security awareness when using bank cards, understand some common bank card crime methods, and master basic prevention skills.

The following are the top ten security issues that cardholders may encounter when using bank cards: Question 1: How should cardholders protect the security of their bank card information? Some criminals will steal the cardholder's bank card account information, forge counterfeit cards and then steal the cardholder's account funds, or steal other people's identity information and then pretend to be others to apply for a credit card for malicious overdraft consumption. Therefore, cardholders need to protect the security of their bank card account information (card number, password, etc.) and personal information.

Tips for prevention: 1. It is important to set a clever password. Cardholders should change their password immediately after getting a new bank card, and should change their password regularly.

Set some relatively complex passwords, do not set simple passwords such as 123456, 888888, etc., and change passwords regularly; do not use your birthday, home phone number, etc. as passwords, and do not easily change passwords under any circumstances. Disclose account information such as bank card passwords to others. Remember, no one (including bank staff) has the right to ask for your PIN.

2. Cover your personal information. Cardholders should pay attention to protecting their personal information to prevent personal information from being abused by criminals.

Do not leave your personal information to unfamiliar companies or individuals. Do not leave your true personal identity information (including family and work information) on Internet pages. If you need to leave it for a certain business, When taking a copy of your ID card, it is best to indicate the purpose of the copy, such as "for recruitment only". Question 2: I often see advertisements online or in newspapers claiming to be credit card intermediary service agencies authorized by banks to help apply for gold cards or provide credit card financing. Are they trustworthy? What should I do if I want to apply for a credit card? Generally speaking, most of the so-called intermediaries that claim to help apply for gold cards or provide credit card financing services are not trustworthy. People who want to apply for a credit card should pay attention to the following knowledge: 1. Apply for a credit card through formal channels. If the applicant To apply for a credit card, you should go directly to the bank counter or a formal marketing agency authorized by the bank. Such marketing agencies do not need to pay any card application fees, and they will not provide you with credit card financing or cash withdrawal services.

2. A credit card is a revolving credit limit granted by the bank based on the applicant's good personal credit status. The card-issuing bank will adjust the corresponding credit limit based on the cardholder's use of the credit card and credit status. Therefore, you cannot go through some illegal intermediaries for temporary convenience or to obtain a higher credit limit, and you cannot actively participate in credit card cash out. Once discovered by the bank, it will cause great damage to your personal credit status.

3. If cardholders find illegal intermediaries or cash-out merchants, they are welcome to actively call the card-issuing bank or UnionPay customer service hotline 95516 to report it, so as to maintain a healthy development environment for bank cards. Question 3: What should cardholders pay attention to when using bank card self-service terminals such as ATMs? Some criminals will set up some "mechanisms" in self-service banks and ATM machines, and at the same time peek at the password from behind. When the cardholder cannot make normal transactions or create the illusion that the card has been swallowed, they will pretend to be a good Samaritan to help swipe the card and take the opportunity to change the card or wait for the cardholder to swipe the card. After the cardholder left, the card was taken out and used.

Therefore, cardholders should be cautious when using bank card self-service terminals such as ATMs. Prevention tips: 1. Be careful when using self-service banking service terminals. Pay attention to whether there are suspicious people around you. Avoid interference from others during operation and prevent others from peeking into the password. If you encounter situations such as swallowing cards or not dispensing money, you should call the issuing bank. The national unified customer service hotline will promptly contact the card-issuing bank.

2. Don’t trust “well-meaning people” easily. Do not call the phone number posted next to the machine, and do not discard printed receipts at will. In addition, you do not need to enter a password for card access control.

3. Keep the card in your eyes when swiping it for consumption. When swiping your card to enter your password in public places (such as supermarkets, restaurants, etc.), you can block the password keyboard with one hand to prevent others from peeking into your password.

Question 4: How to identify fake text messages or phone calls? SMS and telephone fraud are criminals who fabricate some seemingly reasonable reasons through telephone, mobile phone and other communication tools, and take advantage of the cardholder's greed for gain or nervousness and fear to defraud the cardholder's account funds or card number, password and other account information or trick the cardholder into defrauding the cardholder. A fraud technique in which cardholders go to an ATM to transfer funds. Common ones include: currently popular SMS scams that pretend to be bank notifications or lottery winning notifications, similar to "winning a lottery", "bank card consumption", "car purchase tax refund", pretending to be a mobile employee to "refund mobile phone bills", or making phone calls Scams that falsely claim that cardholders’ relatives and friends are in need of funds due to emergencies, etc.

Tips for prevention: 1. When receiving suspicious letters, emails, text messages, phone calls, etc., you should be careful to confirm, do not take advantage of small things, and do not be nervous or afraid. 2. If you have any questions, you should go directly to the counter of the card-issuing bank, or call the unified customer service hotline of the card-issuing bank (usually starting with "95") or UnionPay's 95516 service hotline.

Question 5: What should I do if I encounter suspicious text messages or phone calls? The first is to identify the pattern of false text messages. The "Bank Card Management Office", "Joint Administration", "National Financial Center" and other institutions in the fraudulent text messages do not exist at all. Please be careful after receiving such text messages.

2. What are the safety common sense when using a credit card?

Top ten safety common sense for using a credit card:

1. Try not to bind a credit card on shopping websites , although it is troublesome to re-enter the card number and other information every time you make a payment, safety comes first. If the website records your information and the information is stolen one day, the unlucky consumer will be the same.

2. Protect the "last three codes". The "last three digits" on the back of the credit card (the three numbers immediately following the card number) are the "second password" of the credit card. It is recommended to cover the "last three digits" with tape.

3. Bank cards and ID cards should be separated. Avoid bank cards and ID cards being lost and stolen at the same time.

4. Swipe the card without leaving your sight. Especially for those credit cards that only recognize signatures without setting passwords, it is easy to be stolen. When swiping the card, be sure to keep the bank card away from your sight. In addition, try to avoid swiping credit cards in unfamiliar places, especially at small merchants. You can choose to swipe credit cards with limited credit limits.

5. Activate SMS reminders. Set up SMS reminders of consumption amounts for bank cards, so cardholders can be notified of changes in the amount in the card at the first time.

6. Password protection should be done well. Do not lend your credit card to others, and do not tell others your card number, expiration date, etc. When entering your password, please cover it. Don’t set your password too simply, and don’t use your birthday, phone number, or ID number as your password.

7. When making online payments, you must identify fake web pages. When paying online, you must carefully identify the URL to prevent access to fake shopping websites and fake online payment web pages.

8. Set a maximum consumption limit. Be sure to set a maximum spending limit for credit cards that open online banking.

9. Report the loss promptly if it is discovered stolen. Once a credit card is discovered to have been stolen, the user should immediately call to report the loss and freeze the card.

10. Use free WIFI with caution. There are many cases on the Internet where netizens have had their credit cards stolen due to their use of public WiFi. Some hackers claim that they can steal bank account numbers and passwords in 15 minutes.

3. What are the common sense about using bank cards

If it is a China Merchants Bank all-in-one card, please note the safety precautions when using the card: 1. Please keep your personal information properly and do not tell others the card number, expiration date and other information. .

2. Don’t leave your sight when swiping your card for consumption. Please be careful when entering your password.

Don’t set your password too simply, and don’t use your birthday, phone number, or ID number as your password. Never write your PIN on the card or keep it with the card.

There is some card information on the purchase form, so do not throw it away at will. 3. Please identify the URL carefully to prevent visiting fake shopping websites and fake online payment pages.

If you find a suspicious URL, please call the customer service hotline for verification in time.

Do not enter bank account number, password and other information on unknown websites to avoid personal information being stolen by phishing websites or network Trojans.

4. If there are any changes to your personal information (for example, changes in contact information, address, etc.), please modify the relevant information through the banking system in a timely manner. 5. Check your transactions regularly and reconcile your statements.

6. Please read the consumption notification text message sent by our bank carefully. When the amount in the text message does not match the actual amount, please call the customer service hotline for further enquiry.

4. How to use bank cards safely

As a modern settlement tool, bank cards are convenient and fast. They can avoid the inconvenience of carrying cash and the difficulty of identifying counterfeit currency. Like More and more citizens are using it.

But fraud has been around for as long as bank cards have been around. At present, with the development of bank cards, customers are often stolen and defrauded, disrupting the normal financial order and harming the interests of customers.

Therefore, consumers should know how to use bank cards correctly. The first is to set a good password.

When using a bank card for the first time, please change the password provided by the bank to your own password. Some bank cards have two sets of passwords.

The modified password should be memorized by heart. Do not tell others the password, and do not put your bank card and password information together to avoid inadvertently making it convenient for criminals. Second, when using the bank's self-service equipment, you must enter the password carefully.

If you enter the wrong password five times in a row, in order to protect the interests of depositors, Bank of Communications will lock the withdrawal password of the card. At the same time, the time interval between two operations should not be too long. If there is no operation for more than 30 seconds, the self-service equipment will think that the cardholder has forgotten the card in the machine and automatically swallow the card.

Of course, if the machine locks the password or swallows the card, it will only temporarily keep it for the cardholder. The cardholder can use his or her ID card to go to the branch where the self-service equipment belongs to handle the password reset procedure during bank business hours or Get your bank card back. Third, after completing operations on the self-service equipment, such as enquiries, deposits, and withdrawals, you must remember to withdraw your bank card and retrieve it. Do not forget your bank card in the machine just to count the money.

If you forget it, if others see it, the money in the card will be taken away. Essentially, this is no different than leaving your wallet on the street.

Fourth, keep your bank card and ID card separately, and do not tell others your bank card number easily to avoid being stolen. At the same time, bank cards cannot be lent to others. If necessary temporarily, the password should be changed.

Fifth, when paying with a bank card, apart from signing, there is no need to tell others personal information, such as password, address or phone number, unless necessary. After consumption, you should check the signed invoice correctly, sign it after confirming it is correct, and keep all signed invoices. Check the monthly statement in a timely manner. If you find any items of unknown origin, you should contact the card-issuing bank immediately.

Sixth, if a bank card is lost or stolen, the card-issuing bank should be notified immediately. Seventh, you can frequently inquire about bank card accounts. There are many ways to inquire, such as dialing telephone banking, querying through voice prompts or faxing statements.

Eighth, you should memorize the phone number of the customer service center of the card-issuing bank so that you can get help in time when you encounter trouble. When personal circumstances change, such as changing work units, home addresses, contact numbers, etc., you should also contact the bank in writing or through the customer service hotline in a timely manner to modify the information so that the bank can be contacted in time if something happens.

5. What security issues should you pay attention to when using bank cards in daily life?

First, pay attention to the surrounding environment when using self-service terminal facilities. It is best to find ones placed inside or around the bank. Public security Terminal equipment with a better environment has higher security; secondly, avoid or reduce credit card swiping in some unknown small shops and stalls, where bank card information is more likely to be stolen; thirdly, pay attention to protecting passwords when using bank cards for consumption. Sometimes only the bank card information is leaked without the password; fourth, do not leave your card and password to others for safekeeping; fifth, once you find that your bank card has been stolen, you should promptly check whether the bank card is on you and call the police in time Then show your bank card or handle a bank card business nearby to prove that you are keeping your bank card properly.

6. What is the safest way to use a bank card?

Online banking can provide so many financial services. I also want to enjoy the 3A-level services brought by online banking, but how can it be safe? How to use online banking properly and ensure the security of my account? ”——Security has always been the issue that you and I are most concerned about. Although banks have adopted many technical means to ensure the security of online banking to the maximum extent, you also need to have a certain awareness of precautions, just like when handling business at traditional branches, you need to guard against bank card fraud. Or the password is lost or stolen. So, how to develop good online banking habits and use online banking safely? You can refer to the following suggestions:

1. Log in to the correct website

When accessing the ICBC website, please enter the URL directly to log in; be careful to identify fake websites; after logging in to the ICBC website, please carefully check the certificate information corresponding to the padlock icon on the status bar in the lower right corner of the browser;

2. Protect your account number and password

Do not tell others your account number and password at any time and under any circumstances; do not trust anyone who asks for your card number and password via email, text message, phone call, etc. behavior; choose a password that is not easy to guess; set your online banking login password and the payment password for external transfers to different passwords; do not save your passwords on your computer; do not write your passwords on paper or cards; Change your password regularly.

3. Other necessary protective measures

Do not use online banking in public places (such as Internet cafes, public libraries, etc.); After each use of online banking, do not just close the browser, but also click "Log out" in the upper right corner of the page to end the use; do not disclose your user name, password or any personal identification information to others; if your personal information If there are any changes (for example, changes in contact information, address, etc.), please notify us as soon as possible

4. Ensure the security of your computer

Download and install the application provided by ICBC. Use controls to protect client security and protect your card number and password from being stolen; regularly download and install the latest operating system and browser security programs or patches; install a personal firewall; install and promptly update anti-virus software, and develop a habit of regularly updating anti-virus software. Of course, if you are an ICBC customer, the most effective way to ensure the security of online banking is to immediately go to an ICBC branch to apply for a nationally patented online banking customer certificate --- - "U-Shield". Once you become an ICBC certificate customer, even if your account number, online banking password and other sensitive information are leaked, as long as the customer holds the "U-Shield" and certificate password, your funds will still be safe.

< p> 7. What are some common sense about credit card security?

1. Use the "password + signature" method for payment. For a long time, whether to use password transactions or signature transactions has often put people in a dilemma. In order to improve credit card security, For security, bank professionals suggest that it is best to choose the "password + signature" mode, which is especially suitable for POS card purchases. In this way, credit card purchases have double security.

2. Pay attention to the cashier's card swiping actions during transactions. Today, with frequent credit card fraud cases, we have to strengthen credit card security management and increase risk awareness. Especially when dining in a restaurant, when the waiter asks to check out at the service counter, he should go there by himself with the card to avoid the card being copied or stolen, and always pay attention to the number of times the cashier swipes the card.

3. Keep the receipt until the bill date. Do not throw the transaction receipt randomly, because the transaction receipt contains a lot of important information. Try to keep it until the bill date so that you can check the next period's bill. The above is my answer to the question, I hope you can adopt it! .

8. What should you pay attention to when using bank cards safely?

What should you pay attention to when using bank cards safely: 1. Be wary of "thieves" near teller machines.

At present, criminals use various methods to steal bank card passwords, and then copy magnetic cards to steal customer deposits. These perpetrators often pretend to be withdrawal customers, linger next to ATMs or install micro cameras on them to steal Depositors' withdrawal information is used to steal passwords and commit crimes.

Therefore, when residents use ATMs to withdraw money, they must be alert to whether there are suspicious persons or micro-camera probes around them; when entering the password, they should cover the password button with their left hand to avoid giving criminals an opportunity.

2. Don’t use bank cards to help others. On her way home from Guangzhou, a white-collar girl was stopped by two people who claimed to be doing business in Guangzhou from Hong Kong or Taiwan.

The two of them were dressed in suits and looked like successful people. But they told her with embarrassment that their bank cards failed to transfer money in Guangzhou, and asked the girl for help, asking her family to transfer the money to the girl's bank card and then withdraw it.

Seeing the other party's anxious look, the enthusiastic girl agreed immediately. The girl found a teller machine nearby and checked that there was a balance of 10,000 yuan in the card.

The two men stood behind the girl and took out their phones to contact their families, and then left in a hurry. Before leaving, they asked the girl to wait in front of the teller machine and said they would come back to her soon.

But the girl waited and waited and still did not see the two people returning. She felt very strange. When she took out her bank card, she saw that the bank card had been switched, and the 10,000 yuan in her card had also been stolen. People take it away. 3.

Watch carefully when the machine swallows the card. If an ATM swallows a card, don't walk away immediately, because the machine will "fake crash" due to temporary communication failures and other reasons, and the machine is actually in standby mode at this time.

Therefore, you should wait patiently for a few minutes to confirm that the card has been swallowed, and then contact the bank to handle it, or go to a nearby bank branch to collect the bank card the next day with your passbook, ID card, and card swallowing certificate. In addition, some criminals put invisible sleeves in the magnetic card slots of teller machines, causing users to get stuck after inserting the magnetic card, causing the illusion of card swallowing.

After the customer leaves, the criminal takes out the card and commits the crime. For this reason, for card swallowing for various reasons, you should carefully check or wait for the machine to print the card swallowing credentials.

4. Don’t trust others easily. Criminals cause ATM machine malfunctions to swallow cards, pretend to be bank staff in the name of repairing the machine, defraud cardholders' passwords and other information, and create fake cards to withdraw money.

At around 9 p.m., Mr. Zhao in Beijing had his card swallowed by an teller machine when he was withdrawing money, and he paced back and forth anxiously in front of the teller machine. Two people in bank uniforms happened to come, claiming to be teller machine maintenance personnel, and asked Mr. Zhao if he had called the bank and said that his bank card had been eaten by the teller machine.

Then he took out two cards from the teller machine and showed Mr. Zhao which one was his. Mr. Zhao identified one of them, and the two used the equipment they brought to ask Mr. Zhao to enter the password to confirm.

After confirming, the two returned the card to Mr. Zhao and told him that the teller machine would not be repaired until tomorrow. The next day, Mr. Zhao went to the bank to withdraw money and found that his account was empty.

5. Announcements should also be checked for authenticity. In recent years, public security departments in Zhejiang and other places have detected many cases of ATM fraud. The method of committing the crime was to post an emergency notice in front of the ATM: "Our bank's ATMs have adjusted procedures. Please follow the following procedures when withdrawing money." : 1.

Insert the card and enter the password; 2. Press the transfer button... After confirmation, the bank hereby notifies you that it is forged. official bank seal to defraud customers of their deposits. We would like to remind everyone to verify the authenticity of various bank announcements and notices in front of teller machines, and contact the bank when necessary to prevent being deceived.

6Keep the ATM card properly. The bank card used for ATM withdrawals should be stored separately from the ID card, because if the ATM card is lost together with the ID card, the impostor can use the ATM card and ID card to go to the bank to handle password inquiries, transfers and other services, so the card and ID card should be kept separately Safekeeping will better ensure the safety of deposits.

In addition, ATM cards rely on magnetism to store data. When storing, you should be careful to keep away from magnetic fields such as TVs and radios and avoid high-temperature radiation. When carrying them with you, they should be kept away from magnetic fields such as mobile phones and pagers. Place items separately. When carrying multiple bank cards, they should be placed in a wallet with separate layers to avoid damaging the data and affecting the use of the machine. 7. It is not worthwhile to throw away receipts.

Many users usually throw away the withdrawal receipts spit out by ATMs. These receipts contain ATM card number, amount and other information. If picked up by bad guys, it will affect the security of the deposit.

At the same time, the teller machine receipt serves as a voucher for personal withdrawals and can record household expenses; if it is later found that the withdrawal does not match the passbook entry, you can use this to inquire with the bank; if a card is swallowed, the receipt spit out by the machine It should be kept properly as it has the reason code for card swallowing. With this receipt, the bank can quickly find the reason for card swallowing and return the bank card to the customer in a timely manner. 8. Try not to use it across banks.

Nowadays, many regions have launched bank card networking projects, realizing the universal use of bank cards on different bank teller machines. However, due to factors such as network, communication, and accounting processing, the error rate of using ATMs across banks is higher than that of the same bank.

Moreover, once errors such as not dispensing money in bookkeeping occur, there will be many inter-bank account search links and complicated procedures, making it relatively difficult to deal with. Therefore, under normal circumstances, residents should try to use an ATM belonging to the same bank as the ATM card.

9. If the mobile phone information is insufficient, criminals will fake the name of the bank and use mobile phone text messages or phone calls to pretend that the cardholder’s bank card has been consumed somewhere or that the information on the card has been leaked to deceive cardholders. People transfer the funds in the card to the account provided at the ATM machine. This simple scam has actually caused many people to fall into the trap and easily transfer their hard-earned money to the scammer's account.

10. Operate with caution. In the ATM card usage agreement, the bank requires the customer to be accurate when entering information such as withdrawals and transfers on the ATM. Otherwise, the bank will not be responsible for any losses caused.

This requires customers to carefully check the withdrawal amount and transfer account number when using ATMs to handle withdrawals and transfers. At the same time, when the customer enters the withdrawal password, if the password is entered incorrectly three times in a row, the ATM will swallow the card; after the machine spits out cash, if the "retrieve card" button is not pressed in time (within 30 seconds), the machine will time out and swallow the card.

9. What are the precautions for safe use of bank cards?

First, users who have switched to IC cards can also choose to pay more than the common "insert card" payment method. Convenient "swipe card" payment, you can enjoy password-free and visa-free payments of less than 300 yuan at some high-quality merchants such as fast food chains.

In order to prevent cardholders from worrying about the impact of confidential transactions on security, UnionPay has established a special compensation fund with commercial banks. Even if there are risk situations such as card loss, cardholders can apply for full compensation by calling the card-issuing bank. compensate. Second, cardholders with magnetic stripe cards who have a large amount of funds in their cards and frequent daily transactions should contact the card-issuing bank to upgrade their magnetic stripe cards to chip cards as soon as possible.

Southern Fortune Network WeChat account: Southern Fortune Third, cardholders who are still using magnetic stripe cards for transactions should pay attention to whether there are different objects at the card insertion place during ATM transactions; when making purchases at merchants , do not leave the card out of sight, and cover the PIN pad with your hands.

10. Matters regarding safe card use

1.

The Peony Card can only be used by yourself. Please do not give the card to others. If the card is damaged within the validity period, please cut off the corners and return it to the card issuer and go through the procedures for replacing it with a new card. Do not throw it away casually.

2. Signature: After receiving the card, please sign your name on the signature strip on the back of the card immediately.

Special merchants and bank branches will verify your signature when accepting bank cards. Please keep your card signature legible.

(If there is no signature, there is a risk of being rejected) 3. Activation: Peony cards (including RMB credit cards, RMB credit cards, and international credit cards) must be activated before they can be used.

4. Password: (1) Keep the card and password properly, and do not put the card, password envelope, and ID together to prevent them from being stolen at the same time.

(2) Do not write your password on the card. If you set your own password or change your password, you should set it to a number that is easy for you to remember and difficult for others to crack. When using the card at an ATM or other places where you need to enter a password, make sure that the password is not visible to others.

(3) If you enter the wrong password multiple times in a row, the card will be locked. You must go to a business outlet with your card and ID to reset your password before you can continue to use the card. (4) All transactions completed using passwords will be deemed to be transactions conducted by you yourself.

5.

Authorization: (1) The card-issuing bank has the right to take necessary preventive measures and authorize transactions for transactions it deems suspicious.

(2) Under normal circumstances, you do not need to show your ID to make purchases with your card. However, when a merchant requires you to show your ID, it is to confirm your identity and prevent risks. Please cooperate. When making purchases in duty-free shops, merchants will generally ask you to show your passport or boarding pass.

6. Signing: When swiping your card for consumption or withdrawing cash at the counter, please carefully check that the amount and card number on the transaction voucher are correct before signing. If the amount and card number on the transaction voucher are incorrect, you should ask the cashier or teller to tear up the voucher in person and cancel the original transaction. Then process again.

After the transaction, get back the card and the stub copy of the transaction signature. 7.

Reconciliation: Please keep all transaction documents properly (recommended for more than six months). The statement sent to you by the card issuer summarizes all transaction accounts from the last bill date to the current bill date. Please Check carefully against the transaction documents you have retained. If you have any questions, please call the service hotline as soon as possible. In order to protect your legitimate rights and interests, please make an application within the counterpayment period.

The date of your order adjustment or chargeback application cannot exceed 60 days from the transaction settlement date of the transaction. Applications beyond this period will not be accepted. If you have not received last month's statement before the 10th of the month (except for the fact that no transactions occurred in the previous month), please contact the customer service hotline in time and request a replacement bill. However, the period for order adjustment or refusal to pay will still be based on the normal date of receipt of the bill. calculate.

Note: Charge standard for order adjustment: 10 yuan/copy for domestic transactions. Copies of foreign transactions are USD 5 per copy.

8. When you use a credit card to book a hotel, remember to ask for the booking confirmation number and inform the hotel when you check in.

If you cannot check in on time, you must cancel in advance, inform your reservation number and ask for a cancellation reply letter or inquiry number. Otherwise, you will be in trouble of being charged a one-day fee.

9. Exchange rate risk: The exchange rate risk arising from overseas transactions is borne by the cardholder.

10. Report loss: If your card is lost, please call the service hotline to report the loss as soon as possible, and go through relevant procedures according to the requirements of the card issuer.

11. Stay in touch: If your contact information such as address or phone number changes, please notify the card issuer in time to prevent you from not receiving the bill or the card issuer from being unable to contact you when it discovers a problem.

If you encounter problems when using the card, please call the service hotline in time for help.

Paid Q&A 1. What are the paid Q&A platforms?

As people’s awareness of “paying for knowledge” continues to strengthen, many paid knowledge platforms have emerged in the field of paid knowledge. Among them, for paid Q&A, the better platforms include Fenda, Weibo paid Q&A, etc. But it cannot be generalized. After all, almost all paid knowledge platforms now have paid question and answer functions, and the research is quite in-depth.

In fact, paid knowledge Q&A means that teachers who are very good at a certain field/topic/topic use their strengths to pay for Q&A to achieve the purpose of monetizing knowledge.

For example, there is also a paid Q&A column in the short book knowledge store: the administrator can add respondent information in the Q&A area of ??the store, describe clearly the areas in which the teacher is good at, and set the price for asking questions, so that students feel If you are interested, you can pay to ask questions. After students on the mobile terminal pay questions to the answerer, the answerer will answer the students in the form of pictures, text or voice.

2. There are several types of paid quizzes

The current paid quizzes are roughly divided into the following three types: points-based paid quizzes: motivating users through reward points, Earn more points for the answers you provide, so that when you need to ask questions, you can have enough points to attract more people's attention, so that you can get better and faster answers.

The main representative platform is Baidu Zhizhi. Knowledge sharing and discussion-based paid knowledge Q&A: Classify different people by interests and hobbies, mobilize users' spontaneous enthusiasm through personal interests and hobbies, express their own opinions, and gain recognition from similar groups of people.

You can also learn from each other during the sharing process. The representative platform is Zhihu.

Bidding and reward type paid knowledge Q&A: This type is also the one that allows everyone to understand the concept the most deeply. It is the reward and bidding type. Through the cash reward model, the required knowledge is placed on the platform and waits for answers.

On behalf of the platform, there are Weibo bounty questions, etc. The above are three types of paid knowledge questions and answers.

If the subject wants to know more, you can search for the "Taotaoke" knowledge payment platform to learn.

3. What is knowledge payment?

Knowledge payment mainly refers to the phenomenon that the recipient of knowledge pays money for the knowledge he has read. Knowledge payment allows knowledge acquirers to indirectly pay remuneration to knowledge disseminators and screeners, instead of allowing people participating in the knowledge dissemination chain to gain income through other means such as traffic or advertising.

The essence of knowledge payment is to turn knowledge into products or services to achieve business value. Paying for knowledge helps people filter information efficiently, and while paying, it also encourages the production of high-quality content. In short, paying for knowledge allows the recipient of knowledge to pay a corresponding cost. At the same time, knowledge payment also has a broader definition, that is, any form of direct capital injection in the circulation process of knowledge.

Extended information

Characteristics of payment for knowledge:

1. Characteristics of extended growth

Explanation: In the process of application and exchange of knowledge , being continuously enriched and expanded.

2. Characteristics of capital

Explanation: Knowledge is money.

3. Multiplying characteristics

Explanation: Knowledge will not be reduced after dissemination, but will produce a multiplication effect. If two people share a piece of knowledge, there are at least two pieces of knowledge.

4. Proficiency characteristics

Description: The more proficient the knowledge is, the higher the effectiveness.

5. Situational characteristics

Description: Knowledge must work in a prescribed situation. Human beings generally make situational comparisons when choosing knowledge.