1. The password plus signature method is the most commonly used method, accounting for about half of all cardholders. This is because most people believe that passwords represent one layer of protection and signatures represent another layer of protection. Choosing this method is equivalent to placing the bank card under double protection, but in fact it is not. Although it seems to be a double protection, when there is a password, the signature is basically fake. This is because basically all banks have such a rule: all transactions conducted using passwords are deemed to be made by the cardholder himself. That is to say, as long as a password is used during the transaction, all transaction responsibilities lie with the cardholder. Card people themselves. As for who signed the signature, banks and merchants do not have the necessary responsibility to supervise it, and the bank will not be responsible for the resulting security risks and losses.

2. Password is also a commonly used method and is the second most popular security mode. This is due to the secrecy of bank card accounts. In order to ensure that their accounts are under their absolute control, bank card holders usually set a password that only they know, thinking that this will completely eliminate threats to the security of their bank card accounts. People who adopt this security mode must be more careful when using bank cards to guard against viruses that peek into computers and steal accounts to ensure that their passwords are not leaked. In this case, the security of the account can still be guaranteed. However, once the account number and password are stolen, the owner of the bank card will still be responsible for direct financial losses. After all, it is a password leakage incident, and it complies with the regulations that all transactions conducted using passwords are deemed to be done by the cardholder himself.

Signature is the least used and appears to be the most public security mode. In fact, it is the safest and the mainstream method internationally. It will also be the development direction of China's mainstream bank card protection model in the future. This is because the bank stipulates that for any transaction conducted without using a password, the transaction voucher signed by the cardholder shall be the valid voucher for the transaction. If you choose the signature method, no matter what kind of bank card account is stolen or swiped, as long as the signature is not the card owner's own, the responsibility does not lie with the card owner himself. For bank cards with signatures, merchants and banks must assume the responsibility of supervision and must carefully compare the signatures to ensure that the person signing and using the card is the same person. Otherwise, you must bear the liability for the resulting losses. The reason why signatures have not become mainstream in China is partly related to the incompleteness of the financial system and the merchant consumer finance system, as well as the imperfection of national financial regulations.

Due to different responsible entities, there are certain differences in the security levels of different bank security models. You must choose the security mode that best suits your own interests based on your trading habits, so that you can better protect the security of your bank card account and avoid losses caused by threats to the funds in your account.