Although bank flash payment is more convenient, it will also bring certain risks to the card owner, such as stolen brush and information disclosure, so many people want to turn off the function of bank card flash payment. How to close the flash payment of bank card?
Most banks now support turning off flash payments by phone, mobile banking or online banking. If the cardholder thinks that the flash payment function of the bank card has potential safety hazards, he / she can apply to the issuing bank for closing. The cardholder can take his / her ID card and bank card to the bank counter to close the flash payment function, or call the 24-hour customer service hotline marked on the back of the bank card, and transfer to manual service to handle relevant procedures.
Is your Flash payment function safe? You must know the common sense
The flash payment function of bank card does not need a password. It can complete the payment in just a few seconds by putting it gently on the card reader. So does your bank card have a flash payment function? Is it safe?
First, not all bank cards have flash payment function
Quick pass is a contactless payment product and application of UnionPay, which has the characteristics of small amount and quick payment. Only POS with quick pass function module can use flash function.
Second, compared with the previous magnetic stripe card, the chip card has higher security. The magnetic stripe card is limited by technology and easy to be copied. It can be stolen and swiped only by getting a password. The risk is very high. By contrast, the chip card has better security and is difficult to copy. It is the bank card with the highest security at present.
Third, at present, the banking system has the function of small amount visa free and password free by default. If the cardholder is not sure, he can apply to the issuer to turn off the function of 'flash payment'.
Fourth, the chip is very safe. You can't steal money from the card
The reader can read the name, consumption record and other information, mainly because in the process of transaction, the terminal transmits the above information to the bank card through encryption for transaction verification, and then the transaction can be completed. In addition, the bank's encryption technology has been improving. Now it uses 138 digit and 256 digit encryption. If you want to crack it, the probability is one in several hundred million, which is almost impossible.
Fifth, the flash payment account and the bank account are separated independently, and the amount is generally not more than 1000 yuan
"Flash payment" function is only a supplementary function of chip bank card, which is equivalent to setting up a "electronic zero wallet" in the bank card. The process of putting money into this "zero wallet" is called "deposit". That is to say, the flash money needs to be transferred from the bank card to a special flash e-cash account.
Sixth, the flash account and bank account of the general chip card are completely independent, which will not affect the security of the main account. Although the requirements of each bank are different, usually the amount will not exceed 1000 yuan. If the transaction limit is exceeded, the "flash payment" can no longer be performed. Instead, you need to use the card to enter the password or sign to complete the transaction.