micropayment refers to some small amounts of money paid on the Internet. Taking WeChat platform as an example, it is a bank card closely related to WeChat payment. The original intention of this card design is to break through the barriers between traditional banking and Internet payment, so that users can transfer and use funds between physical bank cards and electronic payment accounts more conveniently. Functionally, micro-cards allow users to bind their physical bank cards with WeChat payment accounts. Once the binding is successful, users can directly manage and use the funds in the bank card through the WeChat payment platform. This not only saves the tedious steps of traditional bank transfer, but also greatly improves the flexibility and efficiency of fund use.