Is ICBC HCE cloud payment credit card safe?

ICBC HCE cloud payment credit card ensures the security of cardholders’ information, transmission, transactions and funds from four aspects.

1. Simulate chip card to ensure information security

First of all, ICBC cloud payment credit card is a virtual chip card generated by simulation based on HCE technology. Compared with traditional magnetic stripe cards, chip Card security is greatly improved. ICBC cloud payment credit card is a "chip card without a chip", which can ensure the security of users' information.

2. Dynamic keys ensure transmission security

Secondly, ICBC also uses technology to ensure the security of information transmission. ICBC uses cloud server token generation technology and dynamic key technology to ensure the security of customer information during Internet transmission.

3. Relying on cloud verification to ensure transaction security

In addition, ICBC relies on "cloud verification" technology to transmit transaction information to the ICBC cloud server in real time through online transactions, completing it online in real time. Core experiments with payment tokens and dynamic keys. This ensures user transaction security.

4. Monitoring limits to ensure the safety of funds

Finally, ICBC also uses limits to ensure the safety of customers' funds. ICBC has established an advanced real-time monitoring and intervention system based on big data visualization technology and set the single transaction limit of HCE cloud payment credit card to 5,000 yuan. These measures ensure the safety of large-amount fund transactions.

Will the card be blocked when using Alipay to pay with a credit card?

If you use the credit card to pay with Cloud QuickPass normally, the card will not be blocked. If you use Cloud QuickPass abnormally, the card will be blocked. . There is no problem in using Cloud QuickPass to swipe Alipay cards, but you have to swipe the card appropriately and not excessively.

Knowledge expansion

UnionPay is a mobile payment APP officially launched by China UnionPay, which is composed of a number of national commercial banks, city commercial banks, and rural (urban) credit cooperatives. Cardholders can understand that Cloud QuickPass is an official APP supported by banks and there are no violations. Cards will not be blocked when using Cloud Quick Pass. The real cause of credit card blocking is that the cardholder has a bad credit record or bad card usage record.

ICBC Credit Card Cloud Payment Card Taobao Shopping Use Mobile Cards

ICBC has launched a new product! With the cloud payment card, you can use your mobile phone to swipe the card for consumption. The credit card is directly linked to the Android phone for shopping and online transactions. Let’s see how to use it:

According to the relevant person in charge of ICBC , HCE cloud payment credit card is a new financial service based on mobile Internet life. This credit card is equivalent to the supplementary card of the credit card. As long as the credit card holder uses an Android phone with NFC function enabled, he does not need to change his phone or SIM card, nor does he need to apply for a new credit card. He can log in to mobile banking and click "Cloud Payment" icon to easily apply for HCE cloud payment credit card service.

When using the ICBC HCE cloud payment credit card for offline consumption, turn on the NFC function of your phone to light up the phone screen, bring your phone close to the POS machine and wave it lightly, and the payment will be completed with a "beep" sound. For online consumption, you only need to bind the HCE cloud payment credit card to the bank's e-payment. After online shopping, click "Confirm Payment" directly and enter the payment password to pay with one click. HCE (Host-cardemulation) is a technology that uses mobile APP software to simulate chip cards to implement bank card issuance transactions. The bank uses a cloud server to store massive bank card account information.

I would like to ask how to swipe a credit card on Yunpay

First of all, before swiping a card, you must understand "my account" and "my profit sharing" in Yunpay. My account refers to This is where your funds will arrive after swiping your credit card; and my profit sharing refers to the commission generated by your promotion of Cloud Pay.

How to swipe a credit card on Yunpay?

1. Open Cloud Pay and click Pay in person. To pay in person, you must swipe your own credit card.

2. Enter the amount and credit card limit, do not enter an integer.

3. After entering the amount, click Next. Different channels will appear, each with different rates. Try to choose the one with the lowest rate. In addition to the rate, it is the arrival time. In summary, there are four categories: T0 does not require or require withdrawal and T1 does not require or require withdrawal. For example, the selected channel is UnionPay H channel, which is a T0 that needs to be withdrawn, and the rate is 0.361 yuan/transaction.

4. Select the channel and click it. The credit card you just bound in bank card management will pop up. Select the credit card you need to swipe and click it.

5. This will jump to the online banking of the channel you selected. Enter your credit card related information, CVN2 (the last three digits on the back of the card) and the validity period of the credit card. After everything is entered, just confirm the payment.