1. Password plus signature is the most widely used method, accounting for about half of all cardholders. This is because most people think that passwords represent a kind of heavy protection, and signatures represent a kind of heavy protection. Choosing this method is equivalent to putting the bank card under double protection, but it is not. Although it seems to be double protection, the signature is basically virtual with a password. This is because almost all banks have a rule that all transactions conducted by password are regarded as the cardholder's own behavior, that is to say, as long as the password is used in the transaction process, all the transaction responsibilities are on the cardholder himself. As for whose signature it is, neither banks nor merchants have the necessary regulatory responsibility, and banks will not be responsible for the resulting security risks and losses.

Second, password is also a common way, which belongs to the second largest security mode. This is the psychological decision of bank card account secrecy. In order to ensure that their accounts are under their absolute control, bank card holders usually set a password that only they know, thinking that this can completely eliminate the threat of others to the security of their bank card accounts. When using bank cards, people who adopt this security mode must be more careful to guard against viruses that peek at computers and steal accounts, and ensure that passwords are not leaked. Under such circumstances, the security of the account can still be guaranteed. However, once the account number and password are stolen, the owner of the bank card is still responsible for the direct economic losses. After all, it is a password leakage accident, which conforms to the rule that all transactions conducted with passwords are regarded as the cardholder's own behavior.

Signature is the least used and seemingly the most open security mode. In fact, it is the safest and the mainstream way in the world, and it will also be the development direction of the mainstream bank card protection model in China in the future. This is because the bank stipulates that the transaction voucher signed by the cardholder is a valid voucher for any password-free transaction. Choose the signature method, so no matter what kind of account on the bank card is stolen, as long as the signature is not the card owner himself, the responsibility is not the card owner himself. For signed bank cards, both merchants and banks should take the responsibility of supervision, and carefully compare the signatures to ensure that the signer and the cardholder are the same person. Otherwise, you must bear the responsibility for the losses caused by it. The reason why signature has not become the mainstream in China is related to the imperfection of merchant's financial system and consumer financial system, and also to the imperfection of relevant national financial laws and regulations.

Due to the different liability subjects, the security degree of different guarantee modes of banks is different. You must choose the security mode that is most in line with your own interests according to your trading habits, so as to better protect the security of the bank card account and avoid the loss caused by the threat of funds in the account.