The Ping An Bank credit card has been deactivated overdue, and this card can no longer be used.

Relevant regulations for Ping An Bank’s 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 Ping An Bank credit card has been deactivated overdue, and this card can no longer be used.

Extended information:

Function of Ping An Bank credit card:

1. Spend first and repay later, enjoy interest-free payment period (up to 56 months) days), and there is a minimum repayment amount, and customers can repay in installments if they are overdrafted. Customers need to pay a certain amount of annual fees to the bank they apply for.

2. A prepaid wallet debit card that transfers funds to the card for storage according to the cardholder's requirements and deducts money directly from the card during transactions. .

3. The cardholder first deposits a certain amount of reserve fund as required by the bank. When the reserve fund is insufficient to pay, it is a credit card that can be overdrafted within the credit limit specified by the card-issuing bank.

4. A single-currency, single-account credit card that bears interest on deposits and settles purchases in RMB. It has functions such as transfer settlement, cash deposits and withdrawals, credit consumption, and online banking transactions. When the balance of the account is insufficient for payment by swiping the card for consumption or cash withdrawal, the cardholder can overdraft consumption or cash withdrawal within the prescribed limited credit limit, and a certain amount of interest will be charged. There is no interest-free repayment period.

Baidu Encyclopedia-Ping An Bank

Baidu Encyclopedia-Credit Card

Ping An Bank Official Website-Credit Card