What does it mean to send authorized text messages in big banks?

Usually, the authorization code of a bank refers to an authorization number or authentication issued by the bank to users before the bank successfully applies for business. The authorization code of CCB is a group of random numbers in the short message sent by CCB customer service 95533 when handling business, which can be handled after filling in within a limited time. When the authorization code is not received, you can use the opened mobile banking.

Send SMS to get authorization code.

Whether it's a credit card or a debit card

, can be pre-authorized business. However, credit cards need to have sufficient overdraft limit and debit cards need to have sufficient account balance. Pre-authorization refers to the behavior that the cardholder requests authorization from the card issuer in advance through the POS machine when spending and settlement are not completed at the same time in hotels, hotels or leasing companies. Pre-authorization business refers to the business that a special merchant obtains a payment commitment that does not exceed a certain proportion of the pre-authorization amount from the card issuer within 30 days, and the card issuer accepts the goods or services after the cardholder obtains them. Generally speaking, it is the business of freezing part of the funds in the bank card as deposits and then settling according to the actual consumption amount. Specifically, it refers to the cashier of the merchant when the cardholder spends money in the merchant.

According to the cardholder's demand and estimated consumption amount, apply to the card issuer for authorization, and the card issuer will reply according to the customer's account. For the approved application, the credit limit (credit card) or deposit amount (debit card) in the cardholder's bank card will be temporarily frozen as deposit. Generally speaking, the frozen amount cannot exceed 65,438+065,438+05% of the pre-authorized transaction amount.

After the cardholder's consumption is officially completed, the merchant requires the card issuer to conduct formal liquidation according to the actual consumption amount. Pre-authorization business is widely used in hotel credit card consumption, usually in two ways: offline and online pre-authorization This business is accepted by POS machine, and the card issuing system automatically verifies the authorization, which is convenient, safe and efficient. Pre-authorization transactions are divided into POS pre-authorization, POS pre-authorization addition, POS pre-authorization completion, POS pre-authorization cancellation and POS pre-authorization completion cancellation. Pre-authorization transaction is used to accept the transaction permission of the card issuer to the cardholder. The receiver puts the estimated consumption into the transaction response and sends it to the card issuer. As a pre-authorized amount, the amount will be sent to the card issuer of the cardholder (card). After the card issuer has passed the examination, it will put the authorization number and other information into the transaction response and send it to the accepting party. Pre-authorization transaction only controls the number of months available to the cardholder. Complete fund settlement through pre-authorization. The approved pre-authorization transaction is only valid for a limited time.