Self-service consumer transaction refers to the transaction in which the cardholder operates and confirms the initiation by himself through the bank card self-service acceptance terminals deployed at home, convenience payment service points, office of the unit, bank outlets and other places, and completes the payment of public utility fees or consumer bills (except credit card bills).

scope of application: it is applicable to the consumer business completed by cardholders by swiping (inserting) their own cards through self-service acceptance terminals (hereinafter referred to as "self-service consumer business with cards").

It is applicable to member institutions that join the UnionPay network, as well as magnetic stripe cards and IC cards (including IC card debit and credit applications and electronic cash) issued in compliance with unified standards.

Extended information:

If you confirm that you didn't swipe your card yourself, it is very likely that it was stolen. It is suggested to call the bank's customer service phone first to find out where the credit card is spent, and ask the staff to check the consumption record. After confirming that they are not spending by themselves, they must apply for a loss report card immediately.

for those who often forget to bring their credit cards, banks have actually launched the business of spending without cards, so it is absolutely no problem to spend without cards.

1. The cashier doesn't need to carry a credit card, but can withdraw cash from the bank ATM with the reserved withdrawal number provided by the system after the online banking or mobile banking appointment is successful.

2. Online banking is originally a kind of card-free payment. When purchasing goods, you can directly use password protection measures such as card number, payment password or U shield to pay.

3. When shopping, you only need to provide the card number, expiration date, "last three codes" and ID card information to complete the transaction. It is common when cardholders book hotels, air tickets, or shop online. (No POS card swiping)

Reference: Baidu Encyclopedia-UnionPay Payment without Card.