1, the line number is the 12-digit code issued by the People's Bank of China to all branches of the bank, and it is the unique identification mark of regional banks, which is equivalent to postal codes and the like.
It is mainly used for cross-regional payment and settlement services such as large payment system, small payment system, bank draft system of city commercial banks and national check imaging system (including automatic bill sorting system in some cities) organized by the People's Bank of China.
2. The bank account number is the corresponding genetic digital card number on each card. Generally, there are bankbooks and cards under the account name, including bank debit cards and credit cards.
The 12-digit code of the bank line number includes: 3-digit bank code +4-digit city code +4-digit bank code+1 digit parity bit.
For example, China Bank in Shenzhen: 10458400003. 104 is the bank code, representing BOC, 102 ICBC, 103 ABC, 104 BOC, 105 CCB and 3 13 Commercial Bank. 5840 area code, 5840 is Shenzhen, 58 10 is Guangzhou, and the last five digits are serial numbers.
There are bank numbers on the websites of major banks. In addition to the code 12 issued by the People's Bank of China, the bank number also includes the electronic inter-bank number.
The electronic banking number consists of six digits and is used for cross-regional bank settlement and fund settlement. Electronic banking number and electronic banking system, as well as the connection between heaven and earth, have been cancelled and no longer used. Use the payment system line number.
Bank card number refers to the number code on the hard card issued by each bank, and the business number segment between commercial banks has unified regulations. The first six digits of the card number represent the identification code of the issuing bank, also called BIN number, and different BIN numbers represent different bank card organizations and card levels.
definition
The People's Bank of China uniformly issues business number segments to commercial banks, and the number segments of each bank are different.
content
Once the bank card transfers money, the basic information, amount and transaction status of the customer will be transmitted to the central bank in time, and a large amount of information such as money laundering prevention and statistics will be summarized in the central bank database, which is the medium of unified financial management.
Bank cards are useless except for recording customer information and capital flow information. Magnetic, easy to degauss with mobile phone.
Bank card refers to a credit payment tool issued by commercial banks (including postal financial institutions) with all or part of the functions of consumer credit, transfer settlement, cash deposit and withdrawal, etc. Bank card reduces the circulation of cash and checks, which makes the banking business break through the limitation of time and space and undergo fundamental changes. The application of bank card automatic settlement system makes the dream of "no cheque, no cash society" come true.
From August 1 2007, the annual management fee for bank cards was cancelled, and some basic financial service charges of commercial banks were suspended. 20 19 on April 22nd, China unionpay released the report on the development of bank card industry in China (20 19). On August 15, 2020, Baidu Company, baixin bank and China UnionPay launched the first digital bank card in China-Baidu Flash Payment Card. On August 3rd, Kloc-0, China UnionPay released its first digital bank card "UnionPay Unbounded Card".
2065438+February 2, 2009 65438+Provisions of the Supreme People's Court on Several Issues Concerning the Trial of Civil Disputes over Bank Cards in 2009 were adopted by the Judicial Committee of the Supreme People's Court at its1785th meeting, and came into effect on May 25, 2002/kloc-0. Obviously, the user's bank card has been stolen to prove that he has no responsibility and can claim compensation from the bank.