Credit card repayment accounts cannot be changed on mobile phones.

Relevant regulations for China Construction Bank credit cards:

1. Authenticate both parties to the transaction and prevent payment fraud. Ability to use digital signatures and digital certificates to authenticate online business parties to prevent payment fraud, certify the validity of the identities of parties participating in online trade, and issue digital certificates to participating parties through certification agencies or registration agencies. to confirm the legitimacy of their identity.

2. Encrypt information flow. A single-key system or a dual-key system can be used to encrypt and decrypt information, and technologies such as digital envelopes and digital signatures can be used to enhance the confidentiality and integrity of data transmission to prevent unauthorized third parties from obtaining the true meaning of the information. .

3. Digital digest algorithm confirms the authenticity of electronic payment information. In order to protect the data from being created, embedded, deleted, tampered with, replayed, etc. by unauthorized persons and reach the recipient intact, data hashing technology can be used.

4. Ensure the non-repudiation of transaction behavior and business. When disputes arise between two parties in an online transaction, especially disputes related to payment and settlement, the system can ensure non-repudiation of the relevant behavior or business. The online payment system must generate or provide sufficient evidence during the transaction process to quickly identify the right and wrong in the dispute, which can be achieved by using technologies such as digital signatures.

5. Handle multilateral payment issues in online trade business. Payment settlement involves multiple parties such as customers, merchants, and banks. The purchased purchase information and payment instruction information must be connected together, because merchants will only continue transactions after confirming certain payment information, and banks will only provide payment after confirming payment. .

In order to ensure security, merchants cannot read customers' payment instructions, and banks cannot read merchants' purchase information. This multilateral payment relationship can be realized by using technologies such as double digital signatures provided by the system.

6. Improve payment efficiency. The procedures and processes of online payment are not complicated and the payment efficiency is very high.

Therefore, the credit card repayment account cannot be changed on the mobile phone.

Extended information:

Function of CCB credit card:

1. Feedback function

Economic information generated during CCB card exchange activities Transmission and reflection to the exchange parties are the feedback function of the market. While commodity sellers and buyers are conducting exchange activities in the market, they are constantly inputting information about production, consumption, etc. This information is transformed by the market and fed back in new forms.

The form and content of CCB card information are diverse. In the final analysis, they are the manifestation of the supply capacity and demand capacity of commodities in the market. They are a foreshadowing of the changing trends of market supply and demand. Their essence reflects the role of social resources in various fields. Department allocation ratio.

The information feedback function of CCB Card can provide an important basis for national macroeconomic decisions and corporate production and operation decisions: on the one hand, the state can judge the performance of various sectors of the national economy based on the information feedback on the total volume of market commodities and their structure. Whether the proportional relationship between departments is appropriate or not, and plan and adjust the allocation ratio of social resources in various departments accordingly;

On the other hand, enterprises can also make adjustments based on information feedback on the market sales status of goods. Make judgments and predictions about consumer preferences and demand potential, thereby deciding and adjusting the business direction of the enterprise.

With the improvement of social informatization, the information feedback function of the market will be increasingly strengthened.

2. Regulatory function

The regulatory function means that the market, under the action of its internal mechanism, can automatically adjust the operating process and basic proportional relationships of the social economy. As the operating carrier and realistic manifestation of the commodity economy, the market is essentially the realization form in which the law of value takes effect. The law of value is transformed into the internal mechanism of economic activities through price, supply and demand, competition and other forms of action.

The market mechanism automatically regulates the entire process of social production, distribution, exchange, and consumption through price adjustment, supply and demand adjustment, and competition adjustment.

For example, adjust the allocation of social resources among various departments and enterprises and the total volume and type composition of produced products; adjust the interest distribution relationship between various market entities;

Adjust the total supply and demand and supply and demand structure of market commodities; Adjust social consumption levels, consumption structure and consumption patterns, etc. On the basis of the above adjustments, automatic adjustment of the basic proportional relationship of social economy is finally achieved. The regulating function is the most important and core function of the market.

Baidu Encyclopedia-China Construction Bank

China Construction Bank Official Website-Credit Card Terms