Bank card business rules, bank card annual fee collection rules

Bank card business rules, bank card annual fee collection rules

Generally, it is a compound card of magnetic stripe + IC chip.

The validity period of the micro-payment account is the same as that of the debit account or credit account.

Ø if you have activated a debit account when opening an account, the debit account balance is the deposit amount for the customer's account, and the balance of the small payment account is zero.

Ø when there are both debit/debit accounts and small payment accounts, the credit account has a higher priority than the small payment account, when using a financial IC card Receiving Terminal that supports both debit/credit applications and small payment applications, the customer can choose which account to use for transactions, however, the debit/credit account should be set as the preferred account.

The debit/debit account adopts a real-name system. The IC chip can store the customer's account name, ID card type, ID card number, and other customer information, when the customer changes the account name and ID card information, the customer information of the chip should be updated simultaneously.

The maximum balance of a micro-payment account can be set by the customer, but cannot exceed the maximum balance limit (parameterized settings ).

By default, the debit/debit account is the designated deposit and deposit account of the card's small payment account. The customer can also set his or her own debit/debit account as the designated deposit account in other industries, when the storage transactions are performed, the storage is stored in the specified account by default.

Ø the customer can select the automatic storage function and set the threshold for resetting the balance of the small payment account. When the offline available balance on the card falls below this threshold, the card is requested to be online and automatically stored. Automatic Deposit discovery is required to be stored in the debit/debit account of the current card. The customer can set the daily Automatic deposit limit for each card.

The customer can make reservation and storage through personal online banking. After the reservation and storage are completed, the system should register a transaction to be stored. When the customer carries an online transaction with an IC card, the system will automatically complete the deposit.

Ø if the debit account has a balance in the small payment account of the card, the balance in the small payment account should be transferred to the debit account and returned to the customer.

Ø when the chip is damaged, the customer shall reserve the debit/credit account specified by the customer (for example, the debit account should be an account of the same province). After at least 30 days (parameter settings, after the bank has cleared all offline transactions on the card, transfer the remaining amount of its small payment account to the debit/debit account specified by the customer.

If the system has a small payment account for reading the card, only the debit/debit account will be resold when handling the report loss and re-issuance of the new card. The balance of the small payment account will not be resold to the new card.

 

1. Cabinet business:

 

2. Supports IC card transactions and can read information from the IC card.

2. It mainly includes traditional debit card transactions in the current industry:

-Card activation, card replacement, card sales, card condition maintenance, deposit and withdrawal transfer, query, and report

2. Apply for IC card registration

2. IC card picking

2. Specify the storage account relationship

2. Modify the relationship between the specified storage account

2. Set automatic storage labeling.

2. Cancel automatic storage labeling

2. Cabinet Area Storage

2. Cash recharge

2. card balance Query

2. Card Transaction details Query

2. Modify the balance limit of a small account

2. Modify Automatic Storage labeling Parameters

2. IC card sales

2. Script makeup transaction

 

 

2. Online Banking

 

2. the specific processes of customer registration, Customer maintenance, customer query, customer cancellation, account signing, account change, account query, account cancellation, and password reset follow the existing operations and handling procedures, it also supports the processing of IC Chip cards.

2. Deposit reservation: an online bank reservation refers to the transfer of an individual online banking account reservation to a small payment account by an online bank customer, when the IC card containing the small payment account is online, the amount will be transferred to the small payment account.

2. Modify parameters: Modify the parameters of a micro-account.

 

 

 

3. ATM Terminal

 

2. Traditional ATM transactions supported by debit IC cards include withdrawals, deposits, balance queries, details queries, password changes, transfers, and proxy services. The transaction process is the same as that of the stripe card ATM transaction.

2. transfer and storage

2. Cash recharge (CRS)

2. query the electronic cash balance (offline)

 

 

4. Cross-row transactions

 

2. Traditional debit and loan transactions. The Function Support and transaction process are consistent with those of magnetic stripe cards of the same name.

2. Storage

2. Offline consumption

2. query the electronic cash balance (offline)

Bank card business operation procedure

The bank card you are referring to is a debit card of a bank. Application Method: fill in the application form and submit your ID card. Some banks need to provide proof of income or real estate license. Go directly to the Cabinet.

What is the bank card business?

As its name implies, the bank card business is the business provided by bank cards, which are classified into credit cards and debit cards. The biggest feature of a credit card is that you can consume the funds through credit card. You can enjoy zero interest for repayment within the time specified by the bank. Otherwise, you will receive a certain penalty interest, which varies according to the regulations of different banks; a debit card is the most common card in normal times. A common function is to store money in it and take it out when it is used. If you need other special functions, go to the bank counter for consultation.