Financial card IC card knowledge 50 Q

1. What is a financial IC card?

The Financial IC card, also known as Chip bank card, is a bank card with chip as media. Chip card capacity, can store key, digital certificate, fingerprint and other information, its working principle is similar to microcomputer, can handle a variety of functions at the same time, for the cardholder to provide a card multi-use convenience. Our bank is currently issuing a composite financial IC debit card.

2. What is the standard for our financial IC card?

The standard of our bank IC card is the PBOC2 of the People's Bank of China. 0 standard, namely China Financial Integrated Circuit (IC) Card Specification (promulgated in 2010).

3. Is the use of the Financial IC card safe?

The Financial IC card follows the double key dynamic verification, it is difficult to copy, effectively prevent fake card theft, security further strengthened, the majority of customers can rest assured that the use.

4. What is the contact IC card, contactless IC card and dual interface card, what type of card does our bank currently issue?

Contact IC Card: Read the IC card information in the way of the chip contact when reading the card.

Contactless IC card: the IC card information is read through the coil when the card is read.

Dual interface cards: cards that support both contact and contactless reading of IC card information.

We currently issue a dual interface card.

5. What is the difference between a financial IC card and a magnetic stripe card?

Compared with magnetic stripe card, the Financial IC card has higher security, larger storage capacity, stronger reliability and more powerful functions.

From the account structure, the Financial IC card, in addition to the magnetic stripe card, has a master account, but also has an electronic cash account.

6. What is the application of the Financial IC card storage capacity?

The Financial IC card can store content up to dozens of times times or more than hundreds of times times the magnetic stripe card, the Bank's financial IC card storage space is 36K, which provides a new platform for third-party industry applications, laying the foundation for the realization of a multi-use card. Financial IC Card can expand the application of the industry has transportation, medical, social security, schools, gas and water and electricity.

7. How to transact the Financial IC card?

I can hold a valid ID card to any branch of Changan Bank to transact the financial IC card.

8. Are there different levels of financial IC cards? What are the conditions for processing?

Our Bank's financial IC card has three levels of cards, gold and platinum, and the following conditions apply:

Ordinary customers can apply for processing.

Gold: The total financial assets in our bank 50,000 Yuan (inclusive) customers can apply for processing

Platinum Card: The total financial assets in our bank of 500,000 yuan (inclusive) customers can apply for processing

9. What is an e-Cash account?

The electronic cash account in the Financial IC card is the payment function for the convenience of the cardholder's small consumption, and the card uses the same process as the Bus IC card, which realizes the fast payment without entering the password through the form of "swing card" or "card". Can be in a specific consumption environment, such as small supermarkets, fast food shops, pharmacies, transport, fitness, hospitals and other electronic cash consumption equipment with the consumption of credit card.

According to the People's Bank of China, the balance limit of E-Cash account is 1000 yuan (including) RMB, you can deposit the E-Cash account with self-service equipment such as our business outlets and ATMs. It is necessary to remind you that the funds in the electronic cash account are treated as cash, are non-real-name, non-secret, not report loss, no interest, once the card is lost, it is equivalent to the loss of cash, so please keep it properly.

10. How do I recharge my e-Cash account?

The Financial IC card Electronic Cash Account recharge has two kinds of channels: I line the counter face or the self-service equipment. Financial IC card Electronic Cash Account Top up there are three ways: cash, designated account of the deposit, non-designated account of the deposit. The transfer card must first sign the ATM transfer function on the counter.

11. What is the concept of the trap?

The deposit is the process of increasing the electronic cash balance in the card, including the cash recharge, the designated account deposit, and the non-designated account deposit.

12. Cash Recharge concept?

Cash recharge refers to the deposit of electronic cash account (including pure IC card, composite IC card and pure Electronic Cash card) by cash method.

13. Specify the account deposit concept?

The process of converting the main account balance of a financial IC card into the electronic cash account balance of this card is called a designated account deposit.

14. Non-designated account deposit concept?

The transaction of recharging the balance of the other debit card master account to the electronic cash balance of the IC card is called the non-designated account deposit.

15. What is an electronic cash balance?

The electronic cash balance is the amount available for offline consumption in an electronic cash account.

16. What is offline consumption?

Offline consumption transactions are generally authorized offline by cards, clearing operations related to these transactions use electronic cash accounts, and offline transaction clearing reduces the amount of electronic cash accounts. The use of electronic cash offline consumption, without password verification and signature confirmation, speed up the transaction speed.

17. What is online consumption?

Online consumption transactions are usually authorized and liquidated for the cardholder's account, which does not affect the electronic Cash account amount or the electronic cash balance in the card.

We currently issue a dual interface card.

18. Is there any difference between the balance of E-Cash account and the two balance of the electronic cash account balance in the core system of our bank?

In our core system, the balance of electronic cash account and the card electronic Cash account balance Two amount value can be different, the difference is the delay between the transaction execution and the issuing bank and the liquidation of the transaction, that is, 5056 is the electronic cash account balance in our core system. 5336 is the card electronic cash account balance.

19. What is a lap lift?

When the tag is used only for the card PIN, the full electronic cash balance in the card is credited to the card's master account and the electronic cash balance in the card is zeroed.

20. Can electronic cash be lost?

According to the provisions of the People's Bank, the funds in the electronic cash account cannot be lost, the electronic cash is not registered, the report is not lost, and the cash management is to protect the legitimate rights and interests of the receiving party.

21. Financial IC card damage, such as non-readable chip information, need to change the card, why the old card in the electronic cash balance to wait 30 days after the liquidation period, the cardholder in our network to the new card to fill the old card in the electronic cash account balance?

E-Cash has offline consumption function, after offline consumption, according to UnionPay regulations, the bank provides a liquidation period of less than 20 days. That is, your last consumption, the merchant may be uploaded after 20 days, our bank according to the actual situation and in order to protect the interests of the merchant, the settlement period for the cardholder is 30 days, so the date for the completion of the supplement is 30 days.

22. When the financial IC card is lost, what is the status of the funds on the bank card?

After the loss of the financial IC card has been lost, the funds on the master account will be frozen, the customers who pick up the card will not be able to use the funds on the master account, but the funds of the electronic cash account can still be used.

After the loss of the financial IC card, has been lost, re-replacement of a new card, this time, only the old card on the main account of the funds into the new card, the old card in the electronic cash account of the funds can not be transferred to the new card, the old card electronic cash is still available.

After the loss of the financial IC card, has been lost, re-replacement of a new card, after the old card and see, this time, the old card on the main account of the funds have been transferred to the new card, but the old card electronic Cash account funds can not be transferred to the new card, customers can only be used for consumption.

23. The Financial IC card is damaged, the chip cannot read the data, can you directly close the sales account?

The Financial IC card is damaged, the chip unreadable data, can not directly close the sale of the customer, you must first change the card after settlement of the customer.

24. What is the duration of the E-Cash Account details enquiry?

The bank provides accurate electronic cash consumption details before 30th, and the consumption details are inaccurate in 30th.

Because the electronic cash has the offline consumption function, after the offline consumption, according to the UnionPay stipulation, the bank provides the liquidation period not to be less than 20 days. That is, your last consumption, the merchant may upload after 20 days, our bank according to the actual situation and in order to protect the interests of merchants, the Bank cardholder liquidation period of 30 days, therefore, banks to provide accurate e-cash consumption before 30th, details of the consumption in 30th is inaccurate.

25. Can I make a self-service device tag to his bank?

According to the receiver's Bank's equipment is open about the function of the ring, to determine whether it can go to his line self-service equipment to deposit. We have now fully opened the loop function,

26. Is there a charge for the deposit? What is the charge?

The deposit requires a handling fee, our bank provides a fee for the designated account to deposit 1 yuan/pen, non-designated account deposit or cash up to 2 yuan/pen, currently we do not deposit the transaction fee.

27. Can I make a financial IC card ring on the POS machine?

The Financial IC card can not be deposited on the POS machine temporarily.

28. What should I do if I fail to recharge my electronic cash account?

The cardholder shall verify the accounts at the counter and make a positive statement.

29. Is the financial IC card valid? What is the maximum lifespan of a year? How do I deal with it after expiry?

Changan Bank Chip card has the validity period, the longest service life is 10 years validity period, the card card surface display on the expiry date, the card holder can hold the card and my valid ID card to the original opening account of the bank to deal with the Exchange card procedures.

30. Composite financial IC card used in self-service equipment such as ATM and POS implement card verification is the chip or magnetic stripe information?

When the composite financial IC card is used on self-service devices and POS tools such as ATM, the device first reads the chip information to trade, and when the chip cannot be recognized, it automatically degrades the reading of the magnetic stripe information.

31. What is the financial IC card E-Cash Account settlement currency of our bank?

Our financial IC card E-Cash account currently only supports RMB settlement.

32. Can the financial IC card be applied for a cassette discount?

The Financial IC card can not be applied for a cassette fold. Financial IC card is a high security, if the belt discount will reduce the security of the main account of the Financial IC card.

33. The Financial IC card in the Overseas cross-line inquiry, withdrawal charges standard?

My bank cardholders in the overseas ATM withdrawal fee for 0.5%+12 yuan/pen, the minimum 13 yuan, the maximum 62 yuan (I line gold, platinum temporary Exemption), the ATM inquiry processing fee 5 Yuan/pen (i line gold, Platinum Card temporary exemption).

34. The Financial IC card in the domestic cross-line inquiry, withdrawal charges standard?

Our bank cardholders in the province cross-line ATM withdrawal fee of 2 yuan/pen (i line card, gold, platinum temporary exemption); Outside the bank ATM withdrawal fee for each transaction amount of 0.5%+2 yuan, the minimum of 3 yuan, up to 52 yuan (I line gold, Platinum Card temporary exemption).

35. What is the self-service device withdrawal and transfer limit?

On the self-service device of our bank, the single withdrawal amount does not exceed 3000 yuan, the daily cumulative withdrawal amount does not exceed 20000 yuan, the daily cumulative cross-bank transfer amount does not exceed 50000 yuan, the withdrawal limit on the self-service equipment of his bank complies with the relevant regulations of his bank and our bank.

According to the rules of the People's Bank, cardholders withdraw their cash from overseas self-service equipment, and the amount of withdrawals is not more than 10000 RMB equivalent in foreign currency.

36. Is there a link between the maximum e-Cash account balance and the E-Cash account single transaction limit?

No, electronic cash account balance limit is the maximum amount of electronic cash account in the card, according to the People's Bank, electronic cash account balance limit is 1000 yuan; e-Cash Account single transaction limit is the maximum amount of a single consumption when an electronic cash account is consumed offline.

37. When the chip is not readable, after changing the card, after clearing the cycle, whether it can be closed or chip can read the Exchange card transaction?

No, at this time to change the card or settlement there will be disputes, not over liquidation cycle, will cause the balance to be lost, that is, damage to non-readable card, damage to the card's electronic cash can not be replaced by the new card, or settlement can not judge the electronic cash balance.

38. Financial IC card, the card is damaged and the chip is not readable, after the Exchange card, electronic Cash account balance how to deal with?

If the card is damaged and the chip is not readable, after changing the card, when the electronic cash account of the old card is not zero, the E-Cash account balance is automatically transferred to the new card's remaining balance after 30 days liquidation period, then the customer holds the ID card and the new card to our counter to add the balance to the new card's electronic cash account.

39. Financial IC card, to fill in the balance is not zero, when the card is lost, to fill in the balance how to deal with?

Financial IC card, to fill in the balance is not zero, when the card is lost, pending balance will be returned to the customer. The method that the customer retrieves is the loss of the report card or the report. Loss of card replacement, the missing card to fill in the balance to the new card to fill the balance. The loss of the balance of the card to be credited to the main account of the way back to the customer.

40. When the financial IC card chip is unreadable, can I close the sales account?

No, because the financial IC card chip can not read the data, in the settlement, the system can not determine the electronic cash balance in the card, can not determine the return of electronic cash balance; only after the Exchange card, over the liquidation cycle of 30 days, to determine the balance to be cleared after the sale of the account.

41. Can the lost financial IC card be consumed?

Main account online consumption can not be, electronic cash account offline consumption may.

42. E-Cash transactions, do you have SMS notifications?

No, the first SMS notification is only about the main account use of the notification, followed by electronic cash with offline consumption function, the core can not be real-time tracking, if electronic cash also use SMS notification, SMS often lag consumption, SMS notification also has no practical significance.

43. What are the new UnionPay logo?

Electronic cash non-contact Flash sign indicating that the card can be traded in a non-contact manner. Electronic cash payment sign, indicating that the card has electronic cash payment function.

44. Fast consumption is very convenient, but the balance of electronic cash offline consumption is insufficient, the need to recharge the bank, it is troublesome, there is no electronic cash balance is not enough to automatically deposit the electronic cash circle function?

Can carry out the electronic cash account balance insufficient automatic to the electronic cash account the function of the deposit. However, because the electronic cash account offline consumption is not required to enter the password, in order to prevent the loss of the card after the use of others, to the customer caused unnecessary losses, so we do not open this function.

45. After the issuance of the financial IC card, the former magnetic stripe card, if not upgraded to become a financial IC card can also be on the counter, self-service equipment transactions?

The card holder's previously processed magnetic stripe card is still available and has no effect.

46. The Financial IC card password error is over-limit, on the self-service device can also check the electronic cash balance of the card transaction details?

Self-service device password Error 5 times, the bank card password will be frozen, at this time, can still carry out electronic Cash account transactions detailed query, the query shows the electronic cash account balance in the card and the last 10 electronic cash transaction details.

47. Can I borrow the credit card issued by our bank for overdraft? Can an electronic cash account also be overdrawn?

No, my bank card is issued by the Financial IC debit card, does not have overdraft consumption function, electronic cash account can only recharge how much consumption, no overdraft function.

48. Can I use online banking to recharge my e-Cash account with a financial IC card?

You cannot use online banking to recharge your e-Cash account with a financial IC card.

49. Is electronic cash allowed to be cashed?

E-cash is not allowed to withdraw, can only be used for consumption, only in the sale of the electronic cash balance to the main account, to sell the household withdrawal.

50. Magnetic stripe card Upgrade Financial IC card, can I change the card number?

Magnetic stripe card Upgrade of the Financial IC card, can not only change the card does not change the number.

Financial card IC card knowledge 50 Q