■ Mao Yuzhou of our newspaper reporter
On March 22, much home bank released in same day small avoid close client to tell letter: In the light of CCTV " 15 evening parties of 3 · " put forward about small those who avoid close function is enlightened with shut doubt, much home bank expresses, will provide the medium of communication that shut and restores more richly to debut as soon as possible, provide more convenient service to hold calorie of person.
Avoid close pay upper limit highest 3000 yuan
Basis " negotiable securities daily " reporter understanding, at present each bank is aimed at small avoid close the limitation set that pays a function is differ. For example, mail store bank regulation, make when the person that hold card appliance has " shine pay " financial IC of the function gets stuck or support " silver-colored couplet mobile phone shines pay " mobile equipment, business door is appointed to undertake 1000 yuan are reached in churchyard the following " shine pay " when trading, need not password and autograph can be finished pay, borrow write down get stuck and borrow write down card small avoid avoid amount of accumulative total of autograph odd-numbered days closely to all be 1000 yuan.
Industrial and commercial bank is small avoid escape quota of the pen that sign sheet closely 1000 yuan, limit of odd-numbered days accumulative total is top it is 3000 yuan. Agricultural bank is small avoid avoid amount of accumulative total of autograph odd-numbered days closely to be 3000 yuan, traffic bank credit card is small avoid avoid amount of accumulative total of autograph odd-numbered days closely to be 3000 yuan, after exceeding this amount, trade will fail.
Photograph comparing is state-owned big, of share-holding system bank avoid close pay upper limit to be a top generally 3000 yuan. Regulation of the bank that enrol business borrows surely write down card small avoid avoid amount of accumulative total of autograph odd-numbered days closely to be 2000 yuan, credit card is small avoid avoid amount of accumulative total of autograph odd-numbered days closely to be 3000 yuan.
Restful bank differs according to particular account level right small avoid have different limit closely: The cloud shines pay (mobile phone Pay) fall with the line on the line small avoid close trade common trade limitation. I kind the pen does not exceed a sheet 1000 yuan (contain) RMB, accumulative total of only card odd-numbered days does not exceed 3000 yuan (contain) RMB; II kind the pen does not exceed a sheet 500 yuan (contain) RMB, accumulative total of only card odd-numbered days does not exceed 500 yuan (contain) RMB.
In fact, the bank is small avoid close paying is a substitute that NFC of silver-colored couplet purse pays, namely account of cash of electron of check of silver-colored couplet chip shines pay a function, this is the bank in the person that hold card Carrie establishs a small electronic cash account alone, account amount does not exceed 1000 yuan commonly, maintain safety of capital blocking a person in order to ensure.
The mobile phone near field that is based on NFC technology pays to once sufferred fully fix eyes upon, however because popularity rate is low and count a lot of account such as mobile phone supplier, was not approbated from beginning to end by the market. And small avoid close disbursement occurrence is more crowded held the market share with many NFC, a lot of banks began 2017, suspended function of electronic cash account in succession.
The bank that start line of business ever issued announcement, because electronic cash is not nominative, cannot not report the loss of sth, desirable now, cannot cancel, cannot the characteristic of stop payment, since August 30, 2017 will unified acquiesce shuts silver-colored couplet IC to block electronic cash circle to put a circle to carry a function, at the appointed time, cash of the electron that put an amount puts a circle to carry a function to will be shut without the circle of remaining sum account, new hairpin will be unified shut electronic cash circle to put a circle to carry a function. Subsequently, much home bank in succession follow-up closes this business.
Recently, the bank that enrol business also releases announcement to say, rose at 18 o'clock from March 25, 2019, will stop to deal with a circle to put the business that opens silver-colored couplet to lend cash of the electron that write down card account. Recommend use " shine " , " one net is connected pay " wait for a product, enjoy more convenient safer disbursement experiences.
Perfect shut business medium of communication
Small avoid close pay by " 15 evening parties of 3 · " one of reasons of bad-mouth, namely client not know the inside story opened this business and it is relatively difficult to shut. To this, much home bank is answered faster, published in bank official net on March 22 small avoid close pay business announcement case.
Agricultural bank make an explanation say, small avoid avoiding a label closely is the service that is based on IC to block technical place to be born, IC gets stuck to technical security already was carried out through the industry and be approbated extensively, con rate is in all sorts of terms of payment lowest, because this regards silver-colored couplet IC as one of functions of card this function, when card drives wedge synchronism debuts. Be like need not " small avoid avoid a label closely " business, borrow the client that write down card to be able to arrive site or shut through the mobile phone bank, bank on the net, phone bank, credit card client can be shut through dialing customer service hot line.
Announcement of industrial and commercial bank says, borrow write down calorie of person that hold card to be able to pass business site, net to go up to the bank is shut or restore to open this function, this function can be shut through customer service phone since April 15; Credit card holds calorie of person to be able to pass orgnaization of customer service phone, hairpin to do business to the bank on site, net, mobile phone bank is shut or restore to open this function.
According to " negotiable securities daily " reporter understanding, at present major bank can be in the bank of site, mobile phone, bank on the net to undertake the open of business perhaps is shut. Partial bank still opened telephone customer service to shut small avoid close function, than before more convenient. Partial bank expresses, provide the medium of communication that shut and restores more richly to debut as soon as possible, provide more convenient service to hold calorie of person.
In addition, silver-colored couplet of China of each bank combination was built " risk sum compensate pays " safeguard mechanism. What happen to using calorie of client normally is double avoid embezzle loss, affirm through checking can get sum compensate pays.
The reporter calls customer service of much home bank, understanding pays capital to differ to Zhang time to each bank compensate, work in a few days in 7 commonly, partial bank is the shortest need 3 weekday only.
In addition, was to get probably small avoid close the effect that pays doubt, partial bank still was updated in the near future quick pay an agreement. For example, the bank that enrol business was updated continuously " credit card of the bank that enrol business is quick pay the service on business line the agreement " and " platform of the life on the palm serves an agreement " . Updated agreement is included, the person that hold card is being used pay treasure credit card quick when paying a service, agree with what log onto this credit card and this to pay treasure account to undertake binding deciding, so that be reached this,will undertake disbursement henceforth, agree to enrol merchant bank to paying treasure (China) network technology limited company is collected and of pass on bank, the person that hold card is using what what in serving a process originally, fill in to include but not number of number of full name of be confined to, credit card card, mobile phone undertake corrector nuclear check.
