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【速搜问答】交通卡属于什么电子货币

问答 admin 3个月前 (04-03) 49次浏览 已收录 0个评论

汉英对照:
Chinese-English Translation:

交通卡属于储值卡型电子货币,电子货币是指用一定金额的现金或存款从发行者处兑换并获得代表相同金额的数据或者通过银行及第三方推出的快捷支付服务,通过使用某些电子化途径将银行中的余额转移,从而能够进行交易。

Traffic card belongs to stored value card type electronic currency. Electronic currency refers to using a certain amount of cash or deposit to exchange from the issuer and obtain data representing the same amount, or through the quick payment service launched by the bank and the third party to transfer the balance in the bank through some electronic ways, so that transactions can be carried out.

交通卡属于储值卡型电子货币,电子货币是指用一定金额的现金或存款从发行者处兑换并获得代表相同金额的数据或者通过银行及第三方推出的快捷支付服务,通过使用某些电子化途径将银行中的余额转移,从而能够进行交易。

Traffic card belongs to stored value card type electronic currency. Electronic currency refers to using a certain amount of cash or deposit to exchange from the issuer and obtain data representing the same amount, or through the quick payment service launched by the bank and the third party to transfer the balance in the bank through some electronic ways, so that transactions can be carried out.

日常用户可以直接到银行办理借记卡,需要出示个人有效身份证,同时缴纳一定的工本费。在办理时借记卡分为一二三类账户,其中,一类账户属于全能账户,使用时没有限制,可以用来存款、取款、转账、缴费、投资理财等。

Daily users can directly go to the bank for debit card, need to show a valid personal ID card, and pay a certain cost. The debit card can be divided into one, two and three types of accounts when handling. Among them, the first type of account belongs to universal account, which can be used for deposit, withdrawal, transfer, payment, investment and financing, etc.

借记卡二三类账户使用时会有额度限制,其中二类每天使用限额为 10000 元,每年的限额为 20 万元。三类余额不能超过 1000 元,每日限额 5000 元,年累计不能超过 10 万元。值得注意的是,借记卡三类账户没有实体卡。

There will be a limit for the use of class II and class III debit card accounts. The daily limit for class II accounts is 10000 yuan, and the annual limit is 200000 yuan. The three types of balance should not exceed 1000 yuan, the daily limit should be 5000 yuan, and the annual cumulative limit should not exceed 100000 yuan. It is worth noting that there is no physical card for the three types of debit card accounts.

除了在银行办理借记卡,用户还可以到银行办理信用卡,信用卡具有一定的授信额度,不同用户得到的授信额度不同。用户可以先使用信用卡进行消费,后续在规定的时间内进行归还就可以。

In addition to handling debit cards in the bank, users can also handle credit cards in the bank. Credit cards have certain credit lines, and different users get different credit lines. Users can use the credit card for consumption first, and then return it within the specified time.


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