Article 5 of the Measures for the Administration of Online Payment Services of Non-bank Payment Institutions:
When conducting online payment services, payment institutions shall implement the requirements of real-name system management, abide by the relevant provisions on anti-money laundering and anti-terrorist financing, and fulfill their obligations on anti-money laundering and anti-terrorist financing; Involving cross-border RMB settlement and foreign exchange payment business, it shall be implemented in accordance with the relevant provisions of the People's Bank of China and the State Administration of Foreign Exchange.
WeChat wallet (WeChat Pay) mainly carries out real-name authentication by binding the bank card, and then the name of the bank card added before binding must be consistent with the real name of the wallet. After unbinding the bank card, the system will think that the account has no real-name authentication, and the pocket money will be sealed and kept.
Extended data:
The information left by WeChat when processing the binding.
For the bound bank card and account information, all account information and card binding information of WeChat payment are transmitted through multiple encryption in the transmission process, and are strictly encrypted and stored in the background.
The server of WeChat payment storage is a separate computer room area of WeChat payment, which is protected by financial bank-level network architecture and multi-level firewall. The People's Bank of China conducts mandatory inspections every year to ensure storage safety.
According to Article 39 of the Administrative Measures for Payment Services of Non-financial Institutions promulgated by the Central Bank, the retention period of customer identity information and payment business information by payment institutions is at least 5 years from the year when the business relationship ends, in case of possible policy inquiry, audit and inspection in the future. Third-party payment institutions such as Alipay and Tenpay must strictly abide by the management measures.
Baidu encyclopedia-wechat payment
People's Network-WeChat unbinding bank card users and their transaction information can be kept for 5 years.