under the wave of continuous innovation of new technology-level mobile payment experience
, China Construction Bank has taken the lead in developing and launching a variety of online payment products such as domestic "quick payment", account payment, and overseas 3DS verification payment, combining the payment experience and card security, and has become the first card-issuing bank in China to use SMS verification code to realize convenient and secure transaction verification. Taking the mobile payment era as an opportunity, China Construction Bank has actively cooperated with major mobile phone manufacturers and card organizations to launch various kinds of HCE and QR code payment products with international leading "payment marking" security technology, realizing a new upgrade of mobile payment.
Self-service security protection of new tools
In p>216, China Construction Bank successively launched the functions of "security lock" and "self-service limit", which allowed users to manage card application scenarios according to their own trading habits, including setting trading switches at any time for domestic, overseas, online and entity transactions, and allowing users to set personalized trading limits for cash withdrawal, spending and transfer transactions within the billing cycle according to transaction types. In response to rampant SMS fraud, in 217, China Construction Bank launched a credit card SMS identification tool, which changed the cumbersome process that users needed to call customer service to verify the authenticity of SMS in the past. Through WeChat, they can quickly and independently verify it anytime and anywhere, greatly improving the user experience and filling the gap in the SMS self-verification mechanism in the credit card industry, which is the first in the industry.
new services fully escort security cards
As early as 21, China Construction Bank launched overseas card loss protection service to provide overseas users with claims for stolen transactions within 48 hours before reporting the loss of credit cards. In 216, CCB launched the "Longka Anxin Use" product SMS prompt service, which innovatively provided loss protection for holders' omni-channel stolen credit card transactions at home and abroad through commercial insurance, and comprehensively protected the security of credit card funds. Users can pay attention to the WeChat account number of "China Construction Bank" or "Longka Credit Card", fill in the key words of "peace of mind" and open it by themselves step by step, or edit the short message "CCHD# card number with the last 4 digits #25" and send it to 95533 for opening.
Xiaocai reminds everyone:
1. If you don't need to go abroad, you won't open VISA verification and other overseas use functions of credit cards to completely eliminate risks;
2. remember the three-digit verification code on the right side of the signature column behind the card and erase this information, or cover it with a small note to hide the information.
3. When swiping the card, the card should be in the line of sight. Don't let the card leave your sight when swiping the card, pay attention to shielding when filling in the password, and pay attention to the cashier's swiping times and whether there is any abnormality in the POS machine when swiping the card.
4. Keep it safe. Personal information such as ID card, bank card, passbook, Internet shield and dynamic password card shall not be given to others for use at will, and accounts, ID numbers, passwords and transaction verification codes shall not be disclosed to others; Don't use birthday, telephone number, consecutive digits in ID number and numbers that are easy to arrange regularly as passwords for online banking and mobile banking. If the identity document is lost and reissued, you should go to the bank to change or cancel the relevant business in time.
5. credit card and id card are placed separately. The holder should pay attention to separate the credit card and ID card to avoid losing the wallet and swiping the credit card. And avoid setting the password to your birthday or ID number.