Longka electronic payment card is an independent virtual credit card (without physical card) dedicated to online consumption. The card has no specific card level, and the transaction function can be turned on or off at any time. It has the characteristics and rights of "whole network transaction", "all-round guarantee" and "all-currency payment", and enjoys the preferential policy of free annual fee within the validity period of the card.
After applying for payment of Longka E card successfully, CCB will send the card number to the mobile phone reserved by the user, and at the same time, the user will edit the short message "CCXX# 16 digits card number # 6 digits after ID card" and send it to 95533 to directly obtain the card validity period, security verification code and other information.
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The virtual credit card was suspended.
The central bank issued an emergency document on 20 13. 03. 14, demanding that offline bar code (two-dimensional code) payment and virtual credit card related businesses be suspended immediately, and effective measures be taken to ensure a smooth transition during the business suspension.
Virtual credit card is different from the traditional credit card business model. Customers can enjoy the financial services of "application, card issuance and payment" on the Internet platform. Prior to this, Alipay and Tencent announced that they would jointly launch online credit cards with CITIC Bank, which would be responsible for credit granting and quota adjustment, payment settlement, bill generation and delivery.
At the same time, the virtual credit card will change the existing credit card model. According to the data of the central bank, by the end of 20 13, the cumulative number of credit cards issued reached 39 10/00000, including nearly 200 million by the four major state-owned banks. Under the original model, it will be difficult for small and medium-sized joint-stock banks to get ahead in the credit card field, and the introduction of virtual credit cards will break this pattern.
What is China Construction Bank-Longka e-payment card?
People's Daily Online-Virtual Credit Card Emergency Stop Experts say there is a regulatory vacuum.