Take China Construction Bank as an example. After logging into the mobile banking of China Construction Bank, customers can click "Credit Card", then click "Credit Card Management" and then click "Payment Management" to close. Or you can log in to CCB Personal Online Banking, click Card Management on the Credit Card page, click Payment Management, and then close the operation.
(Operating environment: Apple 12 mobile phone, ios 14 system, version 5.6.0 of China Construction Bank)
In addition, customers can also directly call the customer service phone number of the issuing bank and apply to the customer service staff for closing the confidentiality through the manual service channel. If there is a card-issuing bank outlet nearby, customers can also bring their personal ID cards and credit cards to the outlet counter to find the staff to close the confidential payment procedures.
It should be noted that after the secret-free payment function is turned off, it is impossible to make flash payment and secret-free payment in the secret-free and visa-free small merchants, and customers can only make transactions by inserting cards or replacing other cards.
Secret-free and visa-free payment means that small payments can be completed without passwords and consumer signatures. Internationally, small secret-free visa-free payment is a mature payment method, which is also widely used in the domestic mobile payment field. Alipay, WeChat and other payment tools all have this function, which is the basic function of bank card opening by default.
Alipay's "payment code" function is turned on by default, and there is no need to verify the payment password. Every order less than or equal to 1000 yuan can be "paid without confidentiality".
It is also stated in the WeChat payment user service agreement that when the payment code is used to pay the consumption below 1 0,000 yuan (3,000 yuan for a specific merchant), the "confidential payment" transaction can be used.
1. When paying for goods, if you find terms and options such as "I agree" and "authorize" on the page, you should browse carefully and don't authorize functions such as "confidential payment" easily.
2. When setting up "confidential payment", users should also consider the frequency and amount of consumption on this platform. For those platforms with low frequency of use or high average consumption, users should try not to open confidential payment.
3. Users should avoid using birthdays and mobile phone numbers as passwords to avoid being used by criminals.
4. When "confidential payment" is enabled, users should set the monthly limit or one-time payment limit of confidential payment to avoid expanding losses.
Regarding confidential payment, there may be security risks in the two links of bracelet loss and transmission process.
Regarding the loss of the bracelet, the mi band team said that each mi band corresponds to a unique identity code. When Alipay wallet is connected to the mobile phone, it will identify whether the bracelet code matches the bound account, and activate the secret-free payment function only after it is confirmed. And before the original account is unbound, the bracelet cannot be bound to the new account, so there is no need to worry about the loss or borrowing of the bracelet.
During the Bluetooth transmission between the bracelet and the mobile phone, the payment data is transmitted through multi-layer encrypted channels, and the data for each authentication is randomly generated by the server. There is no sensitive information in the data, so you can use it with confidence.