Mobile Wallet (China Mobile)
Industrial Bank (IB) launches the service of IB mobile wallet based on the "cmpay" of China Mobile in collaboration with China Mobile and China UnionPay. By way of issuing a card over the air, the service loads IB mobile debit card onto the NFC-SIM card of China Mobile in the form of an additional card to debit card. The mobile debit card and the debit card held share one current account, and the function of electronic cash is activated. In this way, not only can fast consumption be done with the POS machine of UnionPay with the mark of "Quick Pass", but also non-contact online high-value transactions can be made.
Main functions of mobile wallet
☆ Mobile phone swiping "consumption" ☆
A client can make consumption by swiping mobile phone at a merchant with the POS machine with the mark of "Quick Pass" of UnionPay, and it is easy and convenient.
☆ Electronic cash top-up ☆
The client can transfer the current balance on the mobile debit card into the electronic cash account via the "cmpay" of China Mobile. The limit for the balance of electronic account cash is up to RMB 1,000.
☆ Cash Withdrawal from ATMs ☆
Clients may use the mobile phone, for which the mobile debit card has been applied, to withdraw cash on the self-service banking devices with non-contact card reading area which supports NFC.
☆ Handling of Counter Service ☆
Clients may use the mobile phone, for which the mobile debit card has been applied, to handle counter service, such as cash withdrawal and transfer at our business outlets.
The service of IB mobile wallet in the "cmpay" client side is to load a bank card to the security area NFC-SIM card of China Mobile (the client should first change the corresponding SIM card with the business outlet of China Mobile) and the client should hold one of the designated mobile phones with the NFC function (see details on the official website of "cmpay" or consult and buy at the business outlet of China Unicom). The client may search the app of "cmpay" in the main mobile app supermarkets to download and install it.
I. For a client with IB debit card to apply for the mobile debit card
The client may log on the card column of "cmpay", click "check UnionPay card" on the upper right corner, select "add a new card", enter the card selection page, and select IB mobile debit card; after clicking to enter the application page, key in the number of current IB debit card, withdrawal password, name, certificate number and the mobile phone number for receiving the SMS Guard, and meanwhile, get the SMS Guard to submit the application. The client may submit the application after confirming the related agreement. After successful application, he or she may click to select and download the card. After downloading, the client can use it.
Note: The current debit card held by the client must have activated the function of SMS Guard and the mobile phone number for receiving the SMS Guard must be that used for the application.
II. Electronic cash account loading
The client may do electronic cash account loading for IB mobile debit card via the "cmpay" client side.
III. Mobile phone swiping "consumption"
The client can make non-contact "consumption at merchants supporting "Quick Pass" transactions of UnionPay by swiping his or her mobile phone and it is easy and convenient.