Some commercial banks need to open cardless payment at the counter or online banking to collect money, which is subject to the details returned by UnionPay. If the deduction is successful and the collection is unsuccessful due to communication reasons, the bank background will initiate regular collection according to the date specified by the customer.

The channel of real-time payment without card is personal online banking, which provides two services: real-time payment and regular payment. "Jucaitong" business means that after an individual customer signs an inter-bank fund collection agreement with ICBC, he can collect the funds from his debit account to the account with the same name designated by ICBC without a card.

Expanding Information Gathering has established strategic partnerships with dozens of financial institutions. The main partners are China Petroleum, Zhuhai Bus, Zhongshan Bus, Balincan Beauty Chain and Shijiazhuang Beiguo Baibai Group.

Through advanced payment experience and relying on massive personal and e-commerce platform big data, Jucaitong provides users and cooperative businesses with two-way convenient financial services and creates a complete financial closed loop.

Baidu Baike-Jucaitong Technology (Beijing) Co., Ltd.