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 card numbers 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 group of virtual card numbers, CVV2 codes, expiration dates and other information.

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.