Credit card electronic cards need to use mobile payment tools, such as mobile phone Alipay, mobile phone WeChat, China UnionPay Express, etc. And enter the credit card information binding card on these platforms, so that you can pay by mobile phone, or scan the code, and of course you can also spend online. Electronic credit card, although it does not issue physical cards, it can still be swiped; Physical card, the form of swiping is not limited, you can swipe your card directly on the POS machine with a credit card, or you can bind online payment such as WeChat Alipay; Of course, if you bind the card to the mobile payment tool, you can also pay by waving your mobile phone to scan the code.
The use of electronic credit cards requires credit card transmission through public internet network, so it is necessary to ensure the security and reliability of transmission technically. SET secure electronic transaction protocol is used to ensure the secure transmission of electronic credit cards and passwords. In the process of credit card payment, it is also necessary to authenticate the identities of customers, merchants and credit card issuers to prevent denial.
It has the characteristics of low manufacturing cost, high reliability of information preservation, convenient development, flexible application and miniaturization. Electronic credit cards can be widely used in various occasions, such as securities, securities, credit certificates and so on. And can also be used for data information collection of some distributed systems.
Many banks issue different forms of credit cards, which can be roughly divided into electronic credit cards and physical cards. Many card friends want to know the difference between them.
What's the difference between an electronic credit card and a physical card?
First, the forms of issuing cards are different.
Electronic credit card is actually a kind of virtual credit card, which has no physical card and consists of a set of virtual information such as CVV2 code and expiration date.
Physical cards are real cards, and all cards mailed to us by the bank can be touched by hand.
Second, the repayment methods are different.
Electronic credit cards can only be repaid online, such as Alipay, WeChat and mobile banking.
Physical cards, in addition to online transfer repayment, can also be inserted into ATM machines to save money for repayment and so on.
How to use electronic credit card
"Electronic credit cards have no actual credit cards and belong to virtual credit cards. They can't swipe their cards through POS machines like other physical cards. Therefore, in order to use electronic credit card for credit card consumption, electronic credit card customers must use the associated fast payment function method before they can pay online. The credit card used in network technology activities is an electronic credit card, which is paid directly through the Internet. Electronic credit cards are convenient and convenient. " At present, electronic credit cards are only applicable to some customers. To apply for CITIC Electronic IC Credit Card of CITIC Bank, the applicant must meet the requirements, and the user must hold a valid credit card of CITIC Bank before applying. Users in need can apply through the mobile app of CITIC Bank.
1. CreditCard (English: credit card) is a non-cash transaction payment method and a credit service provided by the banking industry. Credit cards are generally plastic cards with a length of 85.60 mm, a width of 53.98 mm and a thickness of 0.76 mm (the size is defined by ISO78 10 and 78 16 series documents). There are also metal cards in the market, which are issued to cardholders by banks or credit card companies according to the credit and financial situation of users. The cardholder does not need to pay cash when using the credit card, and the bill will be repaid on the same day. Except for some credit cards combined with financial cards, credit cards are different from debit cards and ATM cards, and credit cards will not directly deduct money from users' accounts.
2. Point of sale information system (English: POS, also abbreviated as EPOS in Europe) is an electronic system widely used in retail, catering, hotels and other industries. Its main function is to count the sales, inventory and customer purchase behavior of goods. Operators can effectively improve their operating efficiency through this system, which can be said to be an indispensable tool for modern retail industry. However, due to the continuous expansion of POS applications, many manufacturers have changed the English "pointofsale" to "pointofservice" (service-oriented terminal sales system). Some people also advocate a systematic method or process to record every transaction of the day, such as: when? By who? What do you sell? To whom? Consumer classification, etc. , you can quickly integrate into the decision-making basis for future sales or purchases through a method. This system can also be regarded as a POS system.
How to withdraw cash from electronic credit card
Electronic credit cards can be withdrawn through online banking and mobile banking. Because electronic credit cards have no physical media, they can't use ATM to withdraw cash, so they can only withdraw cash through network channels. The essence of electronic credit card is to transfer the funds in the electronic credit card to the savings card under the cardholder's name to complete the withdrawal.
To use electronic products, cardholders need to have a bank debit card. Generally speaking, the withdrawal amount cannot exceed 50% of the credit card amount, and the daily cumulative withdrawal amount of each card cannot exceed RMB 10000. If the credit card limit is insufficient, the cardholder will not be able to transfer money.
The daily limit of each card for users to handle cash withdrawal business through the counter and cash transfer business through various channels shall be agreed by the card issuer and the user. Electronic will also charge a corresponding handling fee, and the specific handling fee standard shall be subject to the regulations of the relevant bank.
Electronic credit card has certain convenience, but users can't ignore the security of electronic credit card. Users should properly keep the electronic credit card password and other information, and take the initiative to quit mobile banking or online banking after cash withdrawal.
Mobile banking and online banking in each bank have different operating interfaces, so users need to follow the prompts on the page. In general, find the electronic credit card, then click the cash withdrawal button and enter the cash withdrawal amount.
How to use electronic credit card
CITIC Bank has launched an electronic credit card, which has no physical card and belongs to a virtual credit card. Generally, credit cards are used for consumption, and users can swipe their cards directly. But many users don't know how to use the electronic credit card of CITIC Bank because they don't have a physical card. Next, I will take you to the electronic credit card.
The electronic credit card of CITIC Bank is a credit card without a physical card, which is equivalent to a virtual credit card. If you want to use an electronic credit card for spending, users need to bind the fast payment method before they can spend and pay online. CITic IC Credit Card has two accounts: main account and electronic cash account. Generally, the initial balance of an electronic cash account is 0 yuan, and the maximum balance is 1 1,000 yuan. The specific amount is determined according to the credit status of credit card holders, and the maximum amount of offline consumption of cardholders is 200 yuan. Please note that the balance in the electronic cash account cannot be overdrawn, transferred or withdrawn.
How to apply for CITIC Electronic Credit Card
At present, the electronic credit card of CITIC Bank is only open to some customers. To apply for CITIC Electronic IC Credit Card of CITIC Bank, the applicant must meet the requirements, and the user must hold a valid credit card of CITIC Bank before applying. Users in need can apply through the mobile app of CITIC Bank.
Application process:
1. Download the mobile APP of CITIC Bank, open the software and register and log in;
2. Find the "CITIC Bank Electronic Credit Card" click application on the mobile phone of CITIC Bank;
3. Enter the application page, and the applicant needs to fill in the relevant application materials according to the prompts;
4. After the application is completed, it will be submitted and reviewed by CITIC Bank. The audit results will be notified to users by SMS. According to the applicant, after the application is submitted by CITIC Bank, it will be approved in seconds;
5. After the approval, the bank will issue the card in real time.
Users who have obtained the electronic credit card of CITIC Bank need to bind the third-party express payment before they can spend with the card. In my opinion, if you usually pay online, there is not much difference between an electronic credit card and a physical credit card. After all, nowadays 1 mobile phones in the world can save a lot of trouble by taking a card with you.
How to swipe electronic credit card with pos machine
Electronic credit card has no real card and belongs to virtual credit card. You can't swipe your card with a POS machine or an RFID machine like other physical cards. Therefore, if you want to use an electronic credit card to swipe your card, users of electronic credit cards need to bind fast payment methods before they can spend and pay online.
The credit card used in e-commerce activities is an electronic credit card, which is paid directly through the network. Electronic credit card is fast and convenient, and the purchaser can know the credit status of the cardholder in time through the card issuer, thus avoiding fraud.
Electronic credit card is a payment method.
Because the use of electronic credit cards requires credit card transmission through the public internet network, it is technically necessary to ensure the security and reliability of transmission.
SET secure electronic transaction protocol is used to ensure the secure transmission of electronic credit cards and passwords. In the process of credit card payment, it is also necessary to authenticate the identities of customers, merchants and credit card issuers to prevent denial.
It has the characteristics of low manufacturing cost, high reliability of information preservation, convenient development, flexible application and miniaturization. Electronic credit card and electronic credit card reader-a small special microcomputer, can be widely used in securities, securities, credit certificates and other occasions. And can also be used for data information collection of some distributed systems.
Electronic credit card combined with electronic credit card reader-small special microcomputer can be widely used in various securities, securities, credit vouchers and other occasions, and can also be used for data information collection in some decentralized systems.
Specification of open electronic payment system based on electronic money. On the premise of retaining the customer's credit card authentication, SET adds the authentication of merchant identity, which is very important for transactions that need to pay money. SET protocol has been supported by many large companies and consumers because of its reasonable design, and has become the industrial standard of global network.
On the open Internet, it is an important issue to ensure the security of data transmission between buyers and sellers. In order to overcome the shortcomings of SSL security protocol and meet the market requirements for transaction security and cost performance, VISA, MasterCard, Microsoft, IBM, etc. Jointly formulated a secure electronic transaction announcement.
Category: smart card, debit card, calling card, etc.
How to use the electronic credit card? How to use the electronic credit card? This concludes our introduction. I wonder if you found the information you need from it?