The failure of the bank's three-factor authentication is most likely due to inconsistency in the three information provided by the user, or an input error; it may also be because the connected big data interface has not been updated, or an exception occurs, causing the bank's three-factor authentication to fail. Authentication failed.
In addition, if the personal name has changed or the bank card has expired, the bank's three-factor authentication will also fail.
For example, when using WeChat payment, Alipay payment and other software, you need to use the three elements of bank card verification to prove that the payment was made by yourself. This can also ensure the safety of everyone's electronic payment. If you do not successfully pass the three-factor verification of your bank card, you will not be able to successfully pay using the payment software.
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Three-factor real-name verification for bank cards. The three factors refer to verifying whether the name, ID number, and bank card number are consistent. It can provide users with one-stop bank card information authentication. By verifying the three types of user bank card information, users can be safe when using bank card transactions.
In daily life, you may think that there are no scenarios where bank cards need to be verified. In fact, bank card verification has a wide range of applications in our lives. For example, when using WeChat payment, Alipay payment and other software, you need to use the three elements of bank card verification to prove that the payment was made by yourself. This can also ensure the safety of everyone's electronic payment. When we use electronic payment, if we do not successfully pass the three-factor verification of the bank card, we will not be able to successfully pay using these payment software.
Three elements of a credit card:
First, choose a credit card brand based on the card issuer’s network settings, service quality, and work efficiency.
The more POS, ATM and other equipment equipped by a card issuer, the more ad-hoc merchants, and the denser the cash withdrawal outlets, the easier and faster it will be for cardholders to handle payment, settlement, shopping, and cash withdrawal. You should do some research before purchasing a card and choose a credit card brand that has many outlets, complete equipment, high efficiency, good service, and is easy to use.
Secondly, determine the type of credit card based on the main purpose of applying for the card.
If you apply for a card for shopping, depositing and withdrawing cash, transferring and settling funds, and paying various fees, you should apply for a credit card with full functions. In addition to the commonly used Peony Card, Golden Harvest Card, Great Wall Card, and Dragon Card, co-branded cards are also available. Since a co-branded card is jointly issued by a bank and a company, in addition to all the functions of an ordinary credit card, it can also enjoy consumer discounts and special services from the co-branded company. You can also choose the "all-in-one card", which combines foreign currency savings and various savings types of passbooks and deposit receipts on one card, and can directly make purchases and withdrawals at special merchants and ATMs 24 hours a day, with one card for multiple households, Automatic transfer, general deposit and withdrawal, automatic withdrawal, loan financing, telephone inquiry, shopping and consumption and other functions.
If the purpose is relatively single, dedicated to paying certain fees or shopping, then you should choose a special card with a single function, because the special card procedure is relatively simple and the annual fee is relatively cheap. For example, smart cards (IC cards) can be used specifically to process wages, pay social insurance premiums, pay traffic violation fines, refuel cars, etc. If you are giving a gift to your girlfriend, wife, daughter, or female elder, you might as well choose the Peony Lady Card, the only female-only credit card in my country. Ms. Peony Card is divided into two types: cards with overdraft function and cards without overdraft function. The former can be used at designated ICBC savings centers across the country, while the latter can be enjoyed for life once owned.
Third, choose a credit card type based on your own strength and consumption habits.
People who have a high income, are financially well-off, or are engaged in business activities or often travel to other places can choose a credit card with an overdraft function. This kind of credit card is generally called a credit card. Its characteristic is that when the user's funds are insufficient, the bank can provide overdraft loan services within a specified amount. However, the application procedures for this kind of credit card are more complicated, and you also need to pay a deposit and have a guarantor to provide guarantee.
If your financial income is not very rich and you are accustomed to saving money first and then spending your life carefully, you might as well choose a credit card that does not have an overdraft function but has all other shopping settlement functions. This kind of card is generally called It is a debit card, such as Peony Money Link Card, Great Wall Debit Card, Dragon Card Debit Card, etc. all belong to this type of card.
There is no guarantee required to apply for a debit card, no deposit required, and no credit review required. You can open an account with just 50 yuan, and you do not need to use your ID card when using the card. The card has the functions of saving, depositing, withdrawing cash, and shopping. It is simple in procedure and easy to use.