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high end statement jewelry wholesale The Bank of China debit card virtual card refers to the customer's use of the open card with the open physical China debit card to apply for a physical medium debit card that is opened through the counter and the online banking channel. By associated with the original physical Bank of China debit card, the Bank of China debit card virtual card can automatically call the physical Bank of China debit card associated account (only the main account) to apply for online banking payment, mobile banking payment, BOC Bank payment, BOCB Quick payment, and UnionPay without card self -service consumption business, and can set the transaction limit and card validity period separately. It can provide Bank of China debit card holder's cardholder electronic channel security payment convenience.
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IV, please download and use the Bank of China Mobile Banking APP or BOC Cross -border Go APP to handle related businesses.
wholesale quality gold jewelry The Bank of China debit card virtual card refers to the customer's use of the open card with the open physical China debit card to apply for a physical medium debit card that is opened through the counter and the online banking channel.
In associated with the original Chinese Bank of China debit card, the Bank of China debit card virtual card can automatically call the physical Bank of China debit card associated account (only main account) to handle online to apply for online Bank payment, mobile banking payment, BOC fast payment, and UnionPay cardless self -service consumption business can set the transaction limit and card validity period separately. It can provide Bank of China debit card holder's cardholder electronic channel security payment convenience.
The expansion information:
. The attributes and advantages of the virtual credit card
Virtual credit card is a digital credit card based on user network accounts. Essence According to Article 7 of the "Administrative Measures for Commercial Bank Credit Card Business Supervision and Administration", "the credit card referred to in these measures refers to the information related to the cardholder account, with the bank's credit quota and overdraft function, and provide relevant banking services to the cardholder's relevant banking services All kinds of media. "The above two types of virtual credit cards should be credit cards.
It from the main body of the card, all are CITIC Bank; from the perspective of the review process, operate in accordance with the application, review and card sending process; in terms of functional point of view Function. Except for the carrier, there is no essential difference between virtual credit cards and traditional credit cards.
The virtual credit card has unparalleled advantages of traditional credit cards such as low cost, short time, and convenient and fast. Alipay users apply for a virtual credit card to operate in the "CITIC Bank" public account in the Alipay wallet mobile terminal to apply immediately and approve immediately. Different from the review and issuance mode of issuing credit cards, the virtual credit card will use the massive real -name information and credit data accumulated by users on the Internet, which greatly shortens the application of traditional credit cards to submit applications online, customer manager on -site confirmation, evaluation quota, and delivery Long traditional review process such as cards.
. The problem of issuing the existence of virtual credit cards
(1) The subject of the card issuance is suspected of violations
The CITIC Taobao heterogeneous payment credit card as an example, finance The regulatory authorities have clear requirements for credit card management, and non -financial institutions shall not operate a credit card business. Although Alipay launched a virtual credit card, although it was issued with commercial banks and did not seem to be involved in the banking business, whether commercial banks played the role of the card issuing bank in it.
In CITIC Taobao's heterogeneous payment credit card acceptance, review and collection process, Alipay played an important role. In acceptance, Alipay provides a credit card acceptance platform and provides corresponding technical support and background risk control. During the audit, CITIC Bank's credit was based on the real -name consumption and credit record data provided by Alipay.
During the collection process, if the user is overdue, Alipay is responsible for collecting arrears to customers. If the user refuses to pay, Alipay will permanently close its Alipay account as a penalty means. It can be seen that Alipay not only plays the role of intermediary services in the virtual credit card issuance and subsequent management, but belongs to the banking business category. A certain change in the card issuer has actually changed, from a single subject of CITIC Bank to two cooperative entities.
(2) does not meet the processing process of the credit card.
If in accordance with Article 23 and 39 of the "Measures for the Supervision and Administration of Commercial Bank Credit Card Business Supervision and Administration", the processing process of virtual credit cards has a large income process. In the review session, CITIC Taobao's heterogeneous payment credit card promises "applications, card issuance, payment".
This determines that the card issuing bank cannot follow the requirements of the regulatory department's "three relatives", and to the applicant to the applicant Carry out "pro -visit, pro -visa, parental nuclear". The virtual credit card issuing institution reviews the credit of users. It mainly determines the credit line according to the user's real -name information and consumer record information based on the user's real -name information and consumer record information.
, on the one hand, whether Alipay's network data accumulation is sufficient to control credit risks is questionable; on the other hand, this simple online audit process does not conform to Article 39 of the "Commercial Bank Credit Card Business Supervision and Administration Measures". It stipulates that "marketers shall publicize the application materials and basic requirements that the credit card needs to be submitted, and urge the credit card applicants to fill in the application materials in a complete, correct, and truly manner, and review the ID (original) and the necessary certification materials (original). "Strictly speaking, there is still a certain gap in virtual credit cards in compliance with regulatory standards.
indian imitation jewellery wholesale jewelry What does the bank's virtual card mean
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