您当前的位置 :English > About Shenyang > City News 正文
Solving the problem of "without any cash in the pocket" and "without any bank card in the pocket" in the mobile payment era
"APP+ATM", withdrawal without bank cards to be popularized in the banks of Shenyang
source: Shenyang Daily   2018-06-20 10:42

Along with the coming of mobile payment era, it's been a new normal for Shenyang citizens to go out without needing wallets or cash. Once the circumstance that they should only pay with cash happens, the consumers might be quite embarrassed by having no cash or any bank card in their pocket. To cope with this consumption habit, reporter found that all banks of Shenyang are now accelerating the arrangement of withdrawal without bank cards. People will not need to take the bank cards to do the withdrawal. They only need to take their phones.

"APP+ATM" realizes withdrawal without bank cards

"I'm used to paying everything with my phone. Sometimes I even forget to bring my wallet. But it happens that I need to pay only by cash." Ms.Lv, who lives in Heping District, is a faithful fan of mobile payment. Not long ago, when she went to do shopping in the supermarket, the scanning payment machine at the cashier went wrong. Thus, she had to leave the goods at the checkstand because she didn't bring any cash or bank card with her. She said:"Though it's quite convenient to pay by phone, fortuitous event happens."

To cope with this problem, all banks of Shenyang all launched withdrawal without bank card service. Citizens who go to do business at the banking outlets will find that the ATM machines of all banks of Shenyang all specially set the options "withdrawal reserved by phone", "withdrawal without bank card" and "withdrawal by scanning". Citizens only need to put mobile banking service into operation and register the relevant bank cards to realize withdrawal without bank cards. They can withdrawal the cash from the ATM with their phones only in no more than one minute.

Take ICBC(Industrial and Commercial Bank of China) as an example, the user can choose "withdrawal without bank card" at the client side of the mobile banking service APP, fill in the amount of cash, set up the reservation code, input the password and finish the reservation.The user then can click on the option "card-not-present transaction---withdrawal reserved by phone", input the telephone number, the amount of cash and the reservation code and then get the cash.

Some of the banks use scanning method. Take CMBC(China Merchants Bank) as an example. The users can choose "scanning withdrawal" at any ATM machine of CMBC. By scanning the QR code on the screen with the mobile banking service APP, choosing the card number, inputting the amount of cash and password, the users can then get the cash.

Multiple verification ensures the security of withdrawal without bank cards

Reporter learned that at present ICBC, China Construction Bank, Agricultural Bank of China, Bank of China, CMBC, Shanghai Pudong Development Bank and China Minsheng Banking Corp Ltd all launched withdrawal without bank card service.

As a brand new withdrawal method, some of the citizens might be worried if it's safe to do the withdrawal like that? Will others use the phone to do the withdrawal if the phone's lost?

Working staffs of the banks told the reporter that withdrawal reserved by phone and withdrawal by scanning the QR code all need multiple verifications to ensure the security. People need to input the password and finish the phone verification. Besides, in order to ensure the fund security of the clients and avoid fraud by cutting out the QR code, the banks all made parameter setting to the valid time of the QR code. That is to say the QR code will change from time to time. Thus, citizens should not be worried about this. They need only to be sure that their bank account number and password won't be revealed. It's also learned that in order to ensure the fund security of the clients, all banks made line of limits to the amount of single and daily withdrawal.

Reporter Liu Yang

Editor: zfw05