Cardless payment is a payment method that does not require opening of online banking and uses payment verification elements combined with UnionPay security certification to allow cardholders to complete Internet payments.

Use cardless payment to order goods and pay through the Internet or mobile phone. There is no need to swipe a card. You only need to provide the card number and relevant authentication information to complete the payment.

Extended information:

Cardless payment must prevent the leakage of personal information

To ensure the security of cardless payment, the first thing to do is to ensure that the mobile phone is "clean" , consumers must try to purchase mobile phones through official channels to reduce the risk of viruses being implanted in the mobile phones in advance. If you find that your phone is abnormal, you should immediately go to the official mobile phone after-sales repair department and ask professionals to reinstall the system and eradicate the virus.

When the mobile phone has become a "wallet", once the mobile phone is lost, it must be shut down immediately. If there are funds in the payment account, the payment account must be reported as lost first. If necessary, the payment account can be directly frozen or reported to the bank as lost. card to ensure funds are not stolen.

In daily use of cards, we must raise awareness of prevention and develop these good habits: protect bank card passwords, payment passwords and other information, and be careful to cover up when entering payment passwords in public places; It is forbidden to link websites with unknown points to avoid having personal information stolen; when paying, avoid using free WiFi in public places. These free WiFi can easily be used by criminals to steal personal information.

Customize text message reminders and transaction reminders to detect account changes in a timely manner and minimize risks; change passwords frequently. At the same time, consumers can also consider using payment channels with supporting fund insurance, or consider purchasing relevant insurance such as "account security insurance", so that they can receive certain compensation after losses occur.

Reference materials:

China News Network - The bank card is stolen in your own hands, so you must prevent the leakage of personal information when making cardless payments

Baidu Encyclopedia - UnionPay cardless payment platform