The ultimate guide to virtual cards: detailed teaching of virtual credit cards, virtual membership cards, virtual leisure cards, virtual SIM cards, etc.

📅 Published: 2022/01/01
📆 Update: 2022/08/17
📝 Author: WillPete
📁 Categories: Resources, Information
🏷️ Tags:
⌚ Reading: about 143 minutes

  Virtual cards , non-physical cards , digital cards , electronic cards , action cards , etc. refer to cards with card numbers but no physical cards. More and more cards are launching virtual cards without a physical one. In addition to quickly applying for a card number without waiting for a physical card to be produced or used, it can also be tied directly to a smartphone to reduce carrying cards and reduce the weight of wallets when going out. As long as one mobile phone can achieve the functions of many cards, it can reduce the risk of personal information leakage and reduce the probability of exposure to infection during the epidemic. This article will introduce a variety of virtual cards, so that readers in need can switch from physical cards to virtual cards, simplify and simplify life, reduce waste of resources, and protect the environment and love the earth.

1 Introduction

  Virtual cards , non-physical cards , digital cards , electronic cards , mobile cards (especially cards that can be bound to smart phones or other mobile devices), cloud cards , digital card , virtual card or cloud card in English , refer to There is a card number that issues a card, but there is no card that makes a physical card. With the rise of the Internet age and the popularity of smart phones, various physical items are gradually turning to virtualization. For example, DVD discs have been gradually replaced by video streaming platforms, and physical cards are also developing towards virtualization. More and more credit cards, membership cards and other cards have been launched without physical virtual cards one after another. In addition to quickly applying for a card number without waiting for the production or receipt of a physical card, it can also be directly tied to a smartphone to reduce the number of cards, Reduce the weight of the wallet, as long as a mobile phone can achieve the function of many cards.

  The card number of the virtual card is mostly the same as the card number of the physical card, that is to say, if you go out without the physical card, but write down the card number of the physical card or bind it to the smart phone, then there is no difference in function with the virtual card. , but the convenience is vastly different. The biggest difference between a virtual card and a physical card is that the physical card has one or more physical cards that can be carried and used. It can be applied for online or at a physical store/institution, but a virtual card can usually only be applied for online. And there won't be any physical cards, so it's usually tied to a smartphone.

  Therefore, the use of virtual cards has many advantages that physical cards do not have, including simply applying online on the Internet, no need to apply at the counter of the operator, and no need to wait for the physical card to be sent, you can quickly obtain the card and use it after checking the card, etc. Convenience can also reduce the risk of data leakage by reducing the number of people handling it; in addition, there will be no storage and sorting problems, and there will be no risk of loss; in addition, because there is no entity, there is no need to change the card , can reduce transportation costs, reduce waste of resources, protect the environment and love the earth; and during the epidemic, it can also reduce the contact between items and people, reduce the risk of infection, and respond to the trend of zero-contact payment during the epidemic. In addition, in the global chip shortage in 2021, many banks said that they will use virtual credit cards to deal with it, and delay the issuance of physical cards.

  In short, using a virtual card is more convenient, safer, and more environmentally friendly than a physical card. But are there any cards that can be used as virtual cards? This article will introduce in detail various virtual credit cards, virtual membership cards, virtual electronic ticket cards, virtual SIM cards (eSIM cards), etc., so that readers can bring convenience to reducing the number of physical cards they carry when they go out as long as the virtual card is bound to the mobile phone. , it is more convenient to reduce the sorting of cards at home, improve the quality of life, and move towards a minimalist life.

2 Introduction to Virtual Cards

  A virtual card is a card with a set of card numbers but no physical card, while the common physical cards in life, such as credit cards, membership cards, e-ticket cards, SIM cards and other physical cards with card numbers, many can be virtualized. These various virtual cards are described below.

2.1 Virtual credit card

  Virtual credit card, a digital credit card refers to a credit card that only has the card number of a credit card but no physical card. The card number of this type of card is a virtual card number/account number ( Usually 16 bits), common types can be divided into main card type virtual credit card, additional card type virtual credit card, mapped virtual credit card, variable virtual credit card, virtual code of physical card, etc. These different types of virtual credit cards will be introduced in detail below. credit card.

2.1.1 Principal Card Type Virtual Credit Card

  The main card type virtual credit card refers to a credit card issued by a bank with a complete and independent credit card number, not affiliated with any other credit card, and without any physical card. In the past, this kind of virtual credit card could only be used for online shopping, but now as more and more merchants in physical stores support credit card contact payment (contact card swiping machine), as long as the card number is bound to the smartphone, you can The function of using the inductive swipe card is the same as that of a general physical credit card.

  The advantage of applying for a master-card virtual credit card is that there is no need to wait for the delivery of the physical credit card. After the credit card is approved, you can receive the card number and password of the credit card through e-mail and mobile phone text messages, and you can use the credit card immediately. Cards and transportation reduce the risk of contact with other people and the risk of credit card information leakage, and are not afraid of loss. In the future, even if the card is stolen, the card number can be changed immediately without waiting for the card to be sent again, and the resource consumption of card production can also be reduced. (Physical cards also need to be reissued regularly, while virtual cards do not.)

  Although the main card type virtual credit card has many advantages, it also has the only disadvantage that it cannot be swiped at merchants that need to swipe physical cards. There are card machines and stores that can only swipe physical cards but not inductive payment. Since most stores can use physical credit cards for inductive payment, there is no problem in using virtual credit cards, unless there is a real card that can only swipe physical cards. A must-visit shop (there should be less of them these days).

  In a word, convenience, speed, safety and environmental protection are one of the advantages of this type of card. Banks often focus on online shopping, mobile payment, environmental protection and other services and concepts for this type of credit card. However, most of the credit cards provided by banks are physical credit cards. At present, only some banks provide virtual credit cards. The following is a list of common main card-type virtual credit cards and card-issuing banks, as well as their characteristics, application conditions and descriptions.

List and introduction of common main card type virtual credit cards
Distribution area Developers Issuing bank Credit Card Type virtual card name feature Application Conditions and Instructions
Taiwan Taishin Bank @GoGo Card @GoGo Virtual Royal Seal Card Mainly online shopping, mobile payment and other channels and cash back. You can apply for only one virtual card, or only one physical card (choose one of "@GoGo Youyou Royal Seal Card" or "@GoGo iCash Royal Seal Card"), or apply for two virtual cards and physical cards at the same time.
Portuguese co-branded card Portuguese co-branded virtual card You can enjoy high cash back when you spend in Portugal; you can also enjoy rewards for other domestic consumption and overseas travel by credit card. It is the same as the general credit card application method.
Taipei Fubon Bank Fubon J Card Virtual J card Bind LINE Pay to get LINE POINTS points back. You must already have an original Fubon physical credit card before you can apply for a virtual card. After owning a Fubon physical card, you can freely choose a physical card, a virtual card, or apply for both.
Fubon JU Card
Open Possible Co-branded Card Open Possible virtual card Taiwan Big Brother co-branded card, enjoy cash back on telecom fees.
Tamayama Bank Yushan digital e-card (pet life version) Enjoy cash back on designated coffee, pets, and home consumption. Only virtual cards can be applied for, no physical cards are provided.
Yushan digital e-card (light fashion version) Selected department stores and beauty products can enjoy cash back.
Far East Bank Far Eastern Commercial Bank Cloud iCloud Credit Card Fully e-card, bind shopping APP, customize security limit, and purchase online with peace of mind. Only virtual cards can be applied for, no physical cards are provided.
Commonwealth Bank Federal Green Card Federal Green Card Virtual Royal Seal Card Mainly focus on green consumption channels and feedback such as green environmental protection, environmental sustainability, and carbon reduction. You can only apply for a physical card (made of PETG environmentally friendly materials) and a virtual card.
Hongkong ICBC (Asia) (Overseas Branches) ICBC Virtual Electronic Credit Card ICBC UnionPay Dual Currency Virtual Electronic Credit Card

Dynamic password payment, up to HK$10,000 credit limit.

Customers can apply for ICBC e-card through ICBC (Asia) website, ICBC (Asia) Internet Banking, Mobile WAP or ICBC (Asia) Mobile Banking App.
ICBC MasterCard Virtual Electronic Credit Card
ICBC Visa Virtual Electronic Credit Card
China CITIC Bank (International) CNCBI Motion Credit Card Motion virtual credit card

Permanently waive the annual fee, open the card remotely, and use it immediately.

You can apply for a credit card remotely through the inMotion mobile app anytime, anywhere. You only need your ID card to apply. You do not need to provide proof of address and income, and the credit card is approved in real time.

HSBC HSBC Virtual Business Credit Card

Use a unique virtual card number every time and control the number of transactions, regions and currencies to easily manage company spending.

Only commercial banking customers of HSBC can apply.

U.S. Apple Goldman Sachs Apple Card No additional fees such as interest, credit card fees, etc. will be charged to users, and no late international fees or annual fees will be charged. Apply for Apple Card through Wallet. In addition to the virtual card, Apple has also designed a physical titanium card that can be used to make purchases in places where Apple Pay contactless payment is not yet supported. The card has an EMV chip and a magnetic strip, but only the cardholder's name is printed on the card and will not have the card number, CVV security code, expiration date or signature, which can be found in the Apple Wallet app if necessary.

Remark:

  • Taishin Bank's "@GoGo Virtual Royal Seal Card" is displayed as "@GoGo Virtual Digital Card" in the APP notification (including "Richart" and "Richart Life") after swiping the card.

2.1.2 Card-attached virtual credit card

  The supplementary card type virtual credit card must first have a physical credit card, and apply for a virtual credit card supplementary card through the main card. It is roughly the same as the general supplementary card, and the rewards are the same, but the physical card is missing. So of course, this type of card can be repaid by the main card, and there may be no additional annual fee (or only a lower annual fee).

  In addition, the biggest advantage of this type of card is that it can be used as an online shopping card. If you shop on a risky and less secure website, even if it is stolen, you can quickly get a new set of attached cards after stopping the card immediately. The virtual card number of the card does not affect the use of the original physical card of the original card.

List and introduction of common virtual credit cards with attached cards in Taiwan
Issuing bank Entity positive card name Virtual add-on card name feature Application Conditions and Instructions
Wing Fung Bank Yongfeng Wealth Unlimited Card Wealth Unlimited Virtual Card Tailor-made for Wing Fung Wealth Management customers, it provides cash rebates and a series of exclusive rights and privileges to enjoy unlimited honors. The application has now been discontinued.
Yongfeng World Card world virtual card Yongfeng World Card is exclusive to 5 times overseas and 3 times domestic, with unlimited bonuses. It is a top-level credit card that accompanies you to travel around the world and get out of your own exclusive taste. The application has now been discontinued.

2.1.3 Mapped virtual credit or debit card

  Mapped virtual credit cards , mobile credit cards , mobile credit cards , and mapped virtual financial cards , mobile financial cards , and mobile financial cards are a kind of credit card or financial card that is coded using Token technology and uses NFC induction as a mobile payment. When you use this method to checkout, you pay with a virtual card number, which can reduce the risk of the physical card number being exposed and stolen. It is a highly secure payment technology, with more protection than physical cards. (Apple Pay, Google Pay, Samsung Pay) use this method.

  Usually credit cards issued by banks have virtual cards but not financial cards, because some functions of physical financial cards are difficult to be replaced by virtual cards, such as functions that need to use physical services, such as receiving money from ATMs, depositing money and other services. Although more and more banks support cardless withdrawals and cardless deposits, at present, not most ATMs have cardless services, and cardless services usually do not provide cross-bank (physical cards can be used for cross-bank deposit, withdrawal).

  Furthermore, most banks only have one financial card (with a few exceptions), so they are irreplaceable, while a credit card is a bank with a variety of credit cards, so users can freely choose whether to have a physical card or only a virtual card. credit card. However, if the user only has a bank account and a financial card without a credit card, it is not as convenient as a credit card to carry a financial card when going out. Therefore, using a "mapped virtual card" allows the user to bind the physical financial card to the NFC In mobile payment apps, it is one of the few methods that can be regarded as a virtual card.

  To use this kind of card, you only need to bind the physical card to an APP that supports NFC mobile payment. Whether it is a physical credit card or a financial card, you can use this method to quickly turn into a virtual card, which is fast, convenient and safe. In addition, most of the financial cards opened by digital accounts must be authenticated by natural person certificates or upgraded accounts at the counter before they can be bound to NFC mobile payment. The following is a list of common NFC mobile payment apps and partner banks and supported cards in Taiwan.

Partner Banks and Supported Cards for NFC Mobile Payment in Taiwan
NFC mobile payment partner bank supported cards
Apple Pay Wing Fung Bank Visa, Mastercard and JCB credit cards, and Mastercard debit cards
Cathay United Bank Credit and charge debit cards from Visa and Mastercard
Citi (Taiwan) Bank Visa and Mastercard credit cards, and Mastercard debit cards
China Trust Bank Visa and Mastercard credit and debit cards, and JCB credit cards
Tamayama Bank Credit and charge debit cards from Visa, Mastercard and JCB
first bank Visa, Mastercard and JCB credit cards
HSBC (Taiwan) Bank Visa and Mastercard credit cards
South China Bank Visa, Mastercard and JCB credit cards
KGI Bank Visa and Mastercard credit cards
Mega International Business Bank Visa Credit Cards and Debit Debit Cards, and JCB and MasterCard Credit Cards
Shin Kong Bank Visa and Mastercard credit cards
Standard Chartered Bank Credit and charge debit cards from Visa and Mastercard
Taipei Fubon Bank Credit and charge debit cards from Visa, Mastercard and JCB
Taishin Bank Credit and charge debit cards from Visa and Mastercard
Commonwealth Bank Visa, Mastercard and JCB credit cards, and Visa debit cards
Google Pay Shanghai Commercial Bank Visa and Mastercard credit cards
China Trust Bank Credit and charge debit cards from Visa and Mastercard
Taipei Fubon Bank Credit and charge debit cards from Visa and Mastercard
Taishin Bank Visa and Mastercard credit cards, and Visa debit cards
taiwan cooperative treasury bank Visa and Mastercard credit cards
Commonwealth Bank Visa and Mastercard credit cards
Cathay United Bank Credit and charge debit cards from Visa and Mastercard
Antai Bank Visa and Mastercard credit cards
Changhua Bank Visa and Mastercard credit cards
Shin Kong Bank Visa and Mastercard credit cards
Wing Fung Bank Visa and Mastercard credit cards
Standard Chartered Bank Visa and Mastercard credit cards, and Visa debit cards
HSBC (Taiwan) Bank Visa and Mastercard credit cards
Tamayama Bank Credit and charge debit cards from Visa and Mastercard
first bank Personal credit cards for Visa and Mastercard
South China Bank Visa and Mastercard credit cards
Samsung Pay Cathay United Bank Credit and charge debit cards from Visa and Mastercard
China Trust Bank Credit and charge debit cards from Visa and Mastercard
Taishin Bank Credit and charge debit cards from Visa and Mastercard
Commonwealth Bank Visa and Mastercard credit cards
Tamayama Bank Credit and charge debit cards from Visa and Mastercard
Taipei Fubon Bank Credit and charge debit cards from Visa and Mastercard
Standard Chartered Bank Credit and charge debit cards from Visa and Mastercard
HSBC (Taiwan) Bank Visa and Mastercard credit cards
Shanghai Commercial Bank Visa and Mastercard credit cards
Citi (Taiwan) Bank Visa and Mastercard credit cards
Wing Fung Bank Visa and Mastercard credit cards
Garmin Pay Cathay United Bank Credit and charge debit cards from Visa and Mastercard
China Trust Bank Visa and Mastercard credit cards
Taishin Bank Credit and charge debit cards from Visa and Mastercard
Commonwealth Bank Visa and Mastercard credit cards
Tamayama Bank Visa and Mastercard credit cards
Taipei Fubon Bank Credit and charge debit cards from Visa and Mastercard
Wing Fung Bank Visa and Mastercard credit cards
Fitbit Pay Cathay United Bank Credit and charge debit cards from Visa and Mastercard
China Trust Bank Visa and Mastercard credit cards
Taishin Bank Credit and charge debit cards from Visa and Mastercard
Commonwealth Bank Visa and Mastercard credit cards
Tamayama Bank Visa and Mastercard credit cards
Taipei Fubon Bank Credit and charge debit cards from Visa and Mastercard
Wing Fung Bank Visa and Mastercard credit cards
Taiwan Pay Bank of Taiwan Visa and Mastercard credit cards, and debit cards
land bank Visa, Mastercard and JCB credit cards, and debit cards
Cooperative treasury Visa, Mastercard and JCB credit cards, and debit cards
first bank Visa, Mastercard and JCB credit cards, and debit cards
South China Bank Visa, Mastercard and JCB credit cards, and debit cards
Changhua Bank Visa, Mastercard and JCB credit cards, and debit cards
Bank of Shanghai Visa and Mastercard credit cards, and debit cards
Taipei Fubon Bank Visa and Mastercard credit cards
Mega Bank Visa, Mastercard and JCB credit cards, and debit cards
Taiwan Enterprise Bank Visa and Mastercard credit cards, and debit cards
Shin Kong Bank Visa and Mastercard credit cards, and debit cards
Sunny Bank Visa and Mastercard credit cards
Far East Commercial Bank Visa, Mastercard and JCB credit cards
Yuanta Bank Visa and Mastercard credit cards
Taishin Bank Visa and Mastercard credit cards
Risheng Bank Visa and Mastercard credit cards
China Trust Bank Visa and Mastercard credit cards
Chunghwa Post Visa Debit Cards, and Debit Cards
Keelung First Credit Union Debit Card
Keelung Second Credit Union Debit Card
Freshwater First Credit Union Debit Card
Hsinchu First Credit Union Debit Card
Hsinchu No. 3 Credit Union Debit Card
Changhua Sixth Credit Cooperative Debit Card
Hualien Second Credit Union Debit Card
Risheng Bank Debit Card
Nannong Center Debit Card
Southern Investment Center Debit Card
Hami Pay China Trust Bank Credit and charge debit cards from Visa and Mastercard
Tamayama Bank Visa and Mastercard credit cards
Commonwealth Bank Visa and Mastercard credit cards
Cathay United Bank Credit and charge debit cards from Visa and Mastercard
Taishin Bank Credit and charge debit cards from Visa and Mastercard
Yushan Wallet Tamayama Bank Yushan Bank credit and debit cards

2.1.4 Variable virtual credit card

  Variable virtual credit card , dynamic virtual credit card , dynamic virtual card number (English: Dynamic Virtual Card Number ) refers to a group of dynamically generated card numbers, and the card number is entered into the online store, and the transaction can be completed as usual. Also because the card number is dynamically generated every time, the card number can be revoked after consumption, or wait for the automatic expiration (usually two months), so there is no need to worry that the real card number will be exposed to the network, so as to reduce the card number theft. Risk of brushing.

  At present, the more common variable virtual credit card is the "Mastercard inControl" service provided by the international card issuer Mastercard (Mastercard) and partner banks. Although this kind of credit card is a virtual card, in fact, it is still necessary to apply for a physical credit card in advance, and then through this card, when swiping the card, a set of changed cards can be generated, which can be invalidated after use.

  By changing the card number, the card number of the physical credit card can be protected from the risk of being leaked, thereby reducing the occurrence of the outflow of card information and the occurrence of theft. In addition, this method is different from the mobile phone password verification method, because it is only protected on the card number, so it will not affect the shopping experience of consumers.

  However, before December 31, 2020, only Far East Commercial Bank provided this service in Taiwan, but after January 1, 2021, Far East Bank also terminated the service. Therefore, if you want to use the Mastercard inControl service, you can only apply for a credit card outside of Taiwan (such as a credit card in the United States).

List and introduction of common variable virtual credit cards in Taiwan
Issuing bank Virtual Card Service Name feature Application Conditions and Instructions
Far East Bank Yuanyin inControl Internet Anti-theft Brush Service Taiwan's first inControl Internet anti-theft brush is safe, secure and guaranteed, and you can enjoy online safe shopping. No need to download components, no need to install software, no need to pay extra. Mastercard inControl online transaction virtual card number application service will be terminated from January 1, 110 .

2.1.5 Supplement: Credit cards with physical cards and virtual codes

  The virtual card described above is a card with a set of card numbers but no physical card, such as a set of independent card numbers issued by a bank but no physical card (for example: main card type virtual card, additional card type virtual card), or A set of virtual card numbers simulated by a program or bank during consumption without a physical card (for example: a mapped virtual card, a variable virtual credit card).

  But in addition, the physical card issued by some banks will send the card number, expiration date, security code (the last three codes), etc. to the applicant's e-mail or mobile text message, and users can also check online. The card number of the card. These card numbers can be directly consumed on the Internet after the card is reviewed, or directly bound to the mobile payment APP for consumption, and there is no need to wait for the delivery of the physical card (the physical card needs to apply for entry and internal review. , card making, mail delivery, it often takes a week to get the card, and it is impossible to consume and enjoy the rewards immediately).

  In addition to a physical card, this type of card will quickly obtain the card number online after applying for the card and reviewing the card, so just like a virtual card, the card can be used immediately for consumption without waiting for the delivery of the physical card. The advantages of the virtual card for immediate consumption, but at the same time, you will get a physical card a few days after the card is approved, so it is essentially a physical credit card, rather than a virtual card that does not have a physical card at all. Before arriving at the physical card, you will receive the card number (virtual code) of the card.

  Usually, there are both physical cards and credit cards with virtual codes. Many banks will focus on online shopping or mobile payment like virtual credit cards. The following is a list of credit cards with both physical cards and virtual codes that are common in Taiwan. Also, because this type of card will eventually receive a physical card, it is classified as "supplementary" information. If it is only for readers who do not need a physical card at all, you can skip to the next chapter to continue reading other types of virtual cards. Card.

Credit cards that contain both physical cards and virtual codes are common in Taiwan
Issuing bank Credit Card Type feature Application Conditions and Instructions
Cathay United Bank CUBE card The main three rights of "play digital", "happy shopping" and "fun travel" can be freely switched. You can only apply for a physical card, or you can apply for a physical card and a virtual code at the same time, but you cannot apply for a virtual code only.
Shopee Shopping Co-branded Card It mainly focuses on Shopee online shopping consumption, shrimp coin rewards, free shipping coupons with full amount, and free handling fees for overseas consumption. You can only apply for both the physical card and the virtual code at the same time, you cannot choose one application.
Formosa Plastics Co-branded Card The gas price is reduced and you can enjoy a discount on the gas fee, the gas fee outside the station will be rewarded, and the designated card will be free to park in the city. You can only apply for a physical card, or you can apply for a physical card and a virtual code at the same time, but you cannot apply for a virtual code only.

2.1.6 Supplement: Credit Cards with Physical Cards and Temporary Card Numbers

  The previous paragraph mentioned that some credit cards can provide both physical cards and virtual codes, but the virtual codes of some credit cards are temporary, that is, the temporary card number can only be used for a certain period of time, and only the physical card can be used after the expiration date The temporary card number of this type of credit card is purely a card number that is temporarily used when the physical card has not been delivered, and cannot be held for a long time.

Credit cards that contain both physical and temporary card numbers are common in Taiwan
Issuing bank Credit Card Type feature Application Conditions and Instructions
Commonwealth Bank Federal Happiness M Card Focus on happy consumption, transportation/tourism, premiums and other rewards. When applying, you can check the option "Apply for a digital card". After the card is verified, the bank will send a text message. Through the text message link, you can enter the designated webpage and enter the password to obtain a temporary card number.
federal credit card Use LINE Pay to swipe the Federated Point Card to enjoy LINE Point rewards.
China Trust Bank China Airlines Co-branded Card Accelerated mileage accumulation, plus mileage points at designated stores, discounts at airports and abroad. After the card is verified, you will receive a text message with an approved serial number. After obtaining the temporary card number through the linked webpage, you can go to the official website of China Airlines to start spending and start contact payment.

2.1.7 Supplement: Credit Cards Free of Waiting for Physical Cards

  In addition to the above paragraphs mentioned that some credit cards can also apply for a credit code in addition to applying for a physical credit card, so that users can use the credit code function to use the credit card without waiting for the physical card after the card is verified. If you set a specific mobile application (APP), you can directly use the APP to use the credit card limit to swipe the card without waiting for the physical card. Just like a virtual card, you can use the card after checking, but you will still receive the physical card.

Taiwan common wait-free physical card credit card
Issuing bank Credit Card Type feature Application Conditions and Instructions
Taipei Fubon Bank momo card The momo channel (including online shopping, viewing and buying, catalogue) swiping the momo card has no upper limit, and the reward is momo coins. After the card is verified, there is no need to wait for a physical card, which can be directly bound to the momo shopping account and consumed.
Taishin Bank all cards Taishin Pay payment can be linked. After the card is approved, the physical card will be exempted from waiting, which can be bound to Taishin Pay and paid by scanning the barcode or payment code.
Street joint card Use Jiekou payment to swipe the Jiekou co-branded card and enjoy the reward of Jiekou coins. After the card is verified, the physical card will be exempted from waiting, and it will be automatically bound to the street payment account, and you can spend it after opening.
Tamayama Bank all cards You can bind Yushan Wallet payment. After the card is verified, there is no need to wait for a physical card, and you can bind it to Yushan Wallet and use barcode payment or inductive payment.
Yushan Pi Pat Wallet Credit Card Use the Pi Pai Wallet channel to swipe the Yushan Pi Pai Wallet Credit Card to enjoy P coin rewards. After the card is verified, there is no need to wait for a physical card. You can bind it to Yushan Wallet and use barcode payment or inductive payment, or you can bind it to the Pi Pai Wallet APP and pay.
Wing Fung Bank 55688 Co-branded card Swipe the 55688 co-branded card using the Taiwan Da Team APP and enjoy T Point rewards. After the card is approved, the physical card will be exempted from waiting. You can activate it through the exclusive link in the SMS or Email, and you can bind the credit card to the designated mobile payment and 55688 APP.

2.1.8 Extension: Credit Card Generator (for testing only, no credit card consumption)

  Credit card number generator , credit card generator , credit card generator, fake credit card , English: Credit Card Generator , Fake Credit Card Generator , refers to a service platform that can generate a set of virtual credit card numbers, but this virtual credit card number is different from The virtual credit cards introduced above are not issued by banks, but are issued by the website service platform according to theRune algorithmLuhn algorithm(is a simple checksum algorithm commonly used to verify identity codes, such as issuer ID numbers, international mobile device ID numbers, U.S. national provider identification numbers, or Canadian social security numbers, which are now public field and has been widely used) generated credit card number.

  If you want to develop a website or system with an online shopping cart, you often need to connect the function of online payment. If you need to test the verification function of a credit card when making and developing a payment system, you can use a credit card number generator for detection. Make sure the swipe function of the payment system is working properly.

  Some service-based websites will require users to enter credit card information first to avoid abuse of their own website services, and they can also filter out a large number of applications for the head account. Immediate consumption only requires registration, and it is also mandatory to enter credit card information first. In addition, it can also prevent users from being stolen by entering real credit card information on untrusted and unsafe websites. At this time, a credit card generator can be used to improve personal privacy and information security.

  Although the information generated by the generators of such websites is credit card information, they are basically legal, because these virtual credit card numbers generated by the website service platform are generated according to the Rune algorithm, not issued by banks. The real card number (that is, the card number that cannot be used normally), so these card numbers do not have any balance or limit, and they cannot be used for normal consumption. They are only used for testing. Since the "Credit Card Generator" is not a virtual credit card that can be consumed, it is classified as "extended" information. If you don't have this requirement, you can skip to the next chapter to learn about other virtual card introductions. The following will sort out the common credit card number generation. server's website service platform.

credit card number generator
Service Platform (in alphabetical order or stroke order) Credit Card Type
Credit Card Information
website language
nature of use
Operating platform
Remark
industry website
All Front Card Number Generator Visa、Mastercard、American Express Card number, name, expiry date, CVV English free Web page Can export text, Json
BESTCCGEN.COM Visa、Mastercard、American Express、Discover、JCB Credit card type, card number, expiry date, CVV, name, address, country English free Web page  
CardGenerator.org Credit Card Generator Visa、Mastercard、American Express、Discover、RuPay、Maestro、China Union Pay Credit Card Type, Card Number, Expiration Month, Expiration Year, Expiration (Month/Year), CVV, First Name, Only, Country, Postal Code English free Web page  
CardGuru Credit Card Generator Visa、Mastercard、American Express、Discover、Diners、JCB、Voyager、China Union Pay、China T-Union、RuPay、InterPayment、InstaPayment、Maestro UK、Maestro、Dankort、MIR Credit card type, card number, expiration date, name, CVV English free Web page Can export Json, XML, CSV
CCardGenerator.com Visa、Mastercard、American Express、Discover、JCB Credit Card Type, Card Number, Name, Address, Country, CVV, Expiration Date English free Web page  
pay API  
Cool Generator Credit Card Generator Visa、Mastercard、American Express、Discover Credit card type, card number, expiry date, CVV, issuing bank English free Web page  
Corban Works Fake Name Generator Visa Visa card number, expiry date, CVV2 English free Web page random identity generator
CreditCardValidator Fake Credit Card Number Generator Visa、Mastercard、American Express、Unionpay、Diners、Discover Credit card type, card number, expiration date, CVC English free Web page  
DNSChecker Credit Card Number Generator
Credit Card Type, Card Number, Expiration Year, Expiration Month, CVV/CVV2, Quantity English free Web page  
Fake Person Generator Credit Card Generator Visa、Mastercard、American Express、Discover Credit Card Type, Card Number, CVV, Expiration Date, Name, Address, Country English free Web page  
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2.2 Virtual Membership Card

  Virtual membership cards , digital membership cards , electronic membership cards , mobile membership cards , etc. refer to cards that have a set of membership card numbers but no physical card, and are usually applied for online through a web page, or download a mobile APP and register members in the program.

  In all kinds of supermarkets, department stores, stores, beverage stores, bookstores, stationery stores, etc., there are often services to apply for and use membership cards, so that members can gather points when spending in exchange for rewards or discounts. However, as more and more membership cards are applied for, the wallets with physical cards are also thicker and thicker, causing inconvenience to carry.

  If you use a virtual membership card, no matter how many membership cards you have, you can put them into a mobile phone, and you can enjoy various discounts in various stores without having to go out with several membership cards. In addition, some physical cards applied for in stores will charge the card cost or the handling fee for the application process. If you use the mobile APP or the Internet to apply for a virtual membership card, these fees can often be waived. Personal information protection is taken to a higher level through the clerks of brick-and-mortar stores.

  The following only lists the membership services/membership cards that can be applied online (web application or APP application), and there is no need to obtain another physical card, that is to say, you can apply for a virtual membership card online, or apply for a virtual membership card with a virtual card and a physical card at the same time.

2.2.1 Store membership card

  The most common membership card is an independent store, or a membership card launched by a group operator, which usually allows users to collect points (accumulate points/accumulate points). The following lists the common stores/businesses and apps in Taiwan that can apply for virtual membership cards online, and lists the fees for physical cards and virtual cards, so that you can directly check how much the virtual card can save in applying for membership fees.

Online application for virtual membership card for store membership
Serve
membership card
Remark
business/store
Member introduction or application
physical card
Virtual card
Web page Android iOS name cost name cost
85 degrees C85 Cafe 85 Cafe APP 85 Cafe 85 Cafe (without physical card) membership card NT$0  
OK supermarketOK mart OK pay OK mart OKmart (without physical card) OK Point Card NT$0  
UNIQLO UNIQLO APP UNIQLO TW UNIQLO TW (none) (member barcode) NT$0  
Three Merchants Qiaofu Sanshang Catering Member Service Sanshang i Food Card Sanshang i Food Card (Changed to APP member) Sanshang i Food Card NT$0  
NaplesNaples  
Fusheng PavilionTonkatsu  
Fresh five-donDon Mono  
Shinagawa orchidPIN CHUAN LAN  
Naples Fried Chicken  
Xiaobei Department StoreShow Ba Xiaobei members are actively recruiting Xiaobei Department Store Xiaobei Department Store (without physical card) membership card NT$0  
dayuanzi Card Friends System dayuanzi dayuanzi Wonka NT$100 empty card price (Wonka has no virtual card)  
(The collection point card has no physical card) Collection point card NT$0  
RT-MartRT-MART Q&A Member related RT-Mart RT-Mart membership card NT$10 cost of production membership card NT$0  
Wangpin GroupWowprimeBrand store Wang Pin Crazy Food Wang Pin Crazy Food (recommendation code " JebuZv " to get points) Wang Pin Crazy Food (recommendation code " JebuZv " to get points) (without physical card)   NT$0  
Taipei 101Taipei 101 Taipei 101 Shopping Center Taipei 101 - TAIPEI 101 MALL Taipei 101 - TAIPEI 101 MALL (none) Collective card/membership card NT$0  
Taiwan PetroChinaCPC Member Points and Offers CNPC Pay (register to send CNPC VIP points 2000 points) CNPC Pay (register to send CNPC VIP points 2000 points) CNPC membership card NT$0 Action Membership Card NT$0  
Hong Ye BurgerHONG YA   Hongye Burger APP ordering Hongye Burger APP ordering (without physical card) MY QRCODE NT$0  
FamilyMartFamilyMart Members Only FamilyMart FamilyMart (without physical card) (member barcode) NT$0  
Quanlian Welfare CenterPX Mart Card friend service All-in-one paymentpxpay All-in-one paymentpxpay Physical Welfare Card NT$30 Mobile Benefit Card NT$0  
JinshitangKingstone Membership Rewards Program (discontinued) (none) Jinshitang store VIP card (VIP) i Read membership card NT$0  
WatsonsWatsons Membership benefits (enter the referral code " Jz7fZuAT4a " to get a NT$100 discount) Watsons Taiwan (recommendation code " Jz7fZuAT4a " can get NT$100 discount) Watsons Taiwan (recommendation code " Jz7fZuAT4a " can get NT$100 discount) Physical pet i membership card NT$30 cost of production Mobile pet i membership card NT$0  
KFCKFC PK double card PK Double Card - Pizza Hut x KFC Action Membership Card PK Double Card - Pizza Hut x KFC Action Membership Card (without physical card) PK double card NT$0  
Pizza HutPizza Hut  
StarbucksStarbucks Starway Starbucks TW Starbucks TW Travel card NT$100 electronic card NT$0  
LINE Pay Starbucks Card NT$0  
Roadshow StudiosVIESHOW CINEMAS iShow Member Roadshow Studios Roadshow Studios iShow card (physical card) (Since 2019/01/01, iShow has been fully upgraded to digitalization, and physical cards will no longer be issued) iShow card (APP virtual barcode) NT$0  
LAMSimple Mart customer service (none) (none) Physical membership card NT$50 membership fee Electronic membership card NT$50 membership fee Pay at the store.
MiramarMiramar Miramar APP Member Miramar Park Miramar Park (none) APP membership card NT$0  
Telly HouseTLW Tellus Home Card Introduction Tellus Home Card Tellus Home Card Tellus Home Card NT$0 Electronic membership card NT$0  
CarrefourCarrefour Carrefour APP (recommendation code " 5ITV5JQ " to get 3000 points) Carrefour TW (recommendation code " 5ITV5JQ " to get 3000 points) Carrefour TW (recommendation code " 5ITV5JQ " to get 3000 points) good card NT$0 Mobile membership card / digital health card / health card barcode NT$0  
MaldonMyWarmDay APP ordering My Warm Day (Recommendation code: qtuvwt ) MyWarmDay (Recommendation code: qtuvwt ) (without physical card) (member barcode) NT$0  
McDonald'sMcDonald's McDonald's APP McDonald's® App McDonald's Dot card NT$100 Action point card NT$0  
quackTKK Member APP introduction Top quack TKK fried chicken Top quack TKK fried chicken quack card NT$190   NT$0  
Unified supermarket7-11 OPEN POINT OPEN POINT OPEN POINT (without physical card) (member barcode) NT$0  
Kang is beautifulCOSMED Kang is beautiful Kang is beautiful Kangshimei membership card NT$5 (same as OPEN POINT barcode) NT$0  
MujiMUJI MUJI passport MUJI passport MUJI passport (none) passport NT$0  
LerfoHi-Life 【Member Benefits】Year-end heartwarming gifts Hi-Life VIP Hi-Life VIP (without physical card) APP membership card NT$0  
The world of justiceE-DA WORLD E Card Gathering Q&A E-DA Easy Purchase 2.0 E-DA Easy Purchase 2.0 (E card has no physical card) E card NT$0  
Domino's PizzaDomino's Pizza Domino's APP Domino's (recommendation code " UX781716 " to get 30 points) Domino's Pizza (recommendation code " UX781716 " to get 30 points) (without physical card) (online order) NT$0  
Shin Kong MitsukoshiShin Kong Mitsukoshi Card Friends Zone Shin Kong Mitsukoshi Shin Kong Mitsukoshi (APP members do not have physical cards) APP membership card NT$0  
(none) (none) VIP card Single spending of NT$2,000 on the same day (VIP card has no virtual card)  
VIP Silver Card VIP cardholders spend over NT$200,000 in the current year  
children's card NT$100 membership fee (Children's card has no virtual card)  
EsliteEslite Membership benefits Eslite People (TW) Eslite People (TW) (Black card level required) NT$0 Action Membership Card NT$0 Membership levels include white card, gold card and black card.
Moss BurgerMOS Burger Members Only (Only supports second-generation cards, not first-generation cards) MOS CARDMoscageneration card NT$100 (The first-generation card only has a physical card)  
MOS Order MOS Order MOS CARDMoscasecond-generation card NT$50 MOS CARDMoscaaction card NT$0  
Universal MallGlobalMall Membership card introduction (recommended code " M43N2D " to get 100 points) Global Mall (recommendation code " M43N2D " to get 100 points) Global Mall (recommendation code " M43N2D " to get 100 points) (Virtual card) iMall Internet Membership Card NT$0  
iMall Easy Card NT$100 EasyCard will be charged on behalf of (physical card)  
iKids Card NT$200 annual fee (physical card) The parent membership card can be renewed for free in the next year when the annual consumption reaches 3,000 yuan

2.2.2 Membership Point Card

  In addition to the common store virtual membership card, there is another kind of membership card itself that is not used exclusively by a store or a group, but a collection of various stores and cooperative operators, which collectively use the same membership card and membership barcode to accumulate points. The collection point card can achieve the use of the same collection point card in different stores, without the need to apply for membership cards of many different stores, and at the same time, it can also speed up the speed of consumers' exhaustion, and for merchants, it can also reach more consumers. . The following introduces several virtual membership cards that are common in Taiwan, can be applied for online, can gather points, and integrate multiple stores at the same time.

Taiwan can apply for virtual membership card of membership center online
business/store Member introduction or application
Remark
Web page Android iOS
DOCOMO partner merchants d POINT Membership Site d POINT CLUB - Japanese Culture, Travel WiFi and Gaming d POINT CLUB - Japanese Culture, Travel WiFi and Gaming  
Happy GO Partner Store Happy GO HAPPY GO (Recommendation code: 2111B0 ) HAPPY GO (Recommendation code: 2111B0 )  
Ocard partner store Ocard Life Fun Platform Ocard - Life Fun Platform Ocard - Life Fun Platform  
UUPON Partner Store UUPON (recommendation code " 036V5A " to get 10 points) UUPON offers more points and full life points (recommendation code " 036V5A " to get 10 points) UUPON - More discounts and full life points (recommended code " 036V5A " to get 10 points)  
Collection Point Tree Cooperative Store set point tree set point tree set point tree  
Eco-friendly collection point cooperative store Environmental collection points (recommendation code " MN6FZL " can get 2000 points) Green Point (new version) (recommendation code " MN6FZL " to get 2000 points) Green Point (new version) (recommendation code " MN6FZL " to get 2000 points)  

2.3 Virtual e-ticket card

  Virtual e-ticket card and mobile version of e-ticket refer to e-tickets that do not require a physical entity. As long as the card number of the e-ticket is bound to a specific mobile device, and the NFC induction area of ​​the device is close to the deduction device, Able to conduct normal small-amount consumption and stored-value electronic tickets.

  The biggest difference between virtual e-tickets and general e-tickets with physical cards is that you do not need to take out the physical card and swipe the sensor when you take the transportation that uses e-tickets to pay, because in the process of taking the transportation, it is necessary to constantly Walking around and moving your own position is not like a general store where you can stand still and wait for the checkout when consuming. Therefore, when you need to move a certain distance, if you don't keep your physical e-ticket in your hand, you must take out your pocket or wallet when you enter a MRT station or train station, and put it back again. When standing, you have to take it out and put it back again. If you don’t want to take it in or take it out, you must hold it in your hand, but the card is small in size and thin, so it is not as easy to hold and hold as a mobile phone. If you want to use a mobile phone on the way, you should pay more attention to avoid cards. slipped or lost. According to the statistics of Taipei MRT, from 2016 to 2018, passengers dropped more than 60,000 EasyCards at MRT stations each year, and the number of unrecovered cards was as high as more than 30,000, that is, the balance of lost cards was about 500 per year. More than 10,000, and the total lost card balance in the past three years is about 16 million, which is so amazing. If the virtual e-ticket is bound to a smart phone or mobile device, it can avoid the inconvenience of moving, and it can also avoid placing the e-ticket body card in the mobile phone case and causing it to fail to sense correctly (although there are anti-virus devices on the market). Interference isolation anti-magnetic sheet, but also consider the mobile phone NFC sensing position and other issues), thickness increase, heat and other issues.

  When the card of the electronic ticket is traded on the offline device, the transaction data will be saved in the card and the device first, and the data will be uploaded and reconciled after a period of time. Let the induction time increase and delay the shift, the bus will move at any time, the network is unstable, and it is impossible to use the connected device. If the mobile phone can realize the same function as the electronic ticket, the mobile phone must have a built-in security element, so as to temporarily protect the transaction data from being tampered with. At this stage, there are two ways to virtualize the electronic ticket in Taiwan. The SIM card of the mobile phone should be replaced by an "NFC-SIM" card at the telecommunications company. Another method is to use an NFC mobile payment and mobile device/mobile device that supports e-tickets (such as the "Samsung Pay Easy Card" of Samsung Mobile Pay, Samsung Pay) ”), both of which provide mobile phones with a secure element capable of supporting e-tickets.

  In addition, since these two methods require the NFC function of the mobile phone, and the iPhone does not open payments other than Apple Pay, it must be an NFC mobile phone with an Android system. Next, how to choose to use "electronic ticket that supports NFC-SIM card" or "electronic ticket that supports NFC mobile payment APP" depends on the user's habits, one is tied to the telecommunications, the other is tied to the mobile device, if the NP is frequently replaced Different telecommunications, then NFC-SIM card may not be suitable, on the contrary, if you frequently change mobile phones of different brands, then it is not suitable to bind a certain brand of NFC mobile device APP (for example: Samsung Pay EasyCard). The two virtualized electronic tickets will be described in detail below.

2.3.1 E-tickets that support NFC-SIM cards

  NFC-SIM card , SWP-SIM card , etc. refer to a card that uses a special SIM card as a security chip, and stores the card number and password in the SIM card, and communicates with the NFC controller through the C6 pin on the card. Connection, it is common to use it as an electronic ticket.

  Currently, there are four types of "e-tickets" in circulation in Taiwan: Easy Card, All-in-One Card, icash 2.0, and Money Card. To use the NFC-SIM version of the e-ticket, you need to go to each telecommunications company to replace the SIM card of the original mobile phone with NFC. -SIM card, but the support degree of NFC-SIM cards issued by e-ticket companies in cooperation with various telecom operators is not the same, and they are also different from co-branded cards (currently only Chunghwa Telecom supports NFC-SIM cards for co-branded cards). replace).

  When the NFC-SIM card replacement was originally opened, all four electronic tickets in Taiwan were open for application, but in 2018, after Far EasTone stopped the service of replacing mobile phone money cards, only EasyCard, All-in-One Card, and Aijin remained. Card three e-ticket companies. At present, the only telecommunications company that can support three kinds of electronic tickets at the same time is Chunghwa Telecom, and the electronic tickets that support Taiwan's three major telecommunications companies (Chunghwa Telecom, Far EasTone, and Taiwan Big Brother) are also the only remaining cards. .

  In addition, all NFC-SIM cards can be used on Android phones, but cannot be used on iPhones running iOS systems, because iPhone's NFC currently only works with Apple Pay, and does not open other mobile payments. The NFC-SIM version of the e-ticket and the integrated mobile application provided by each e-ticket are listed below, as well as the telecom operators who are open to apply for NFC-SIM card replacement (including those who have stopped applying).

Taiwan's four major electronic tickets provide NFC-SIM card cooperation services
industry Serve
Telecom operator
e-ticket NFC-SIM e-ticket APP integration open for application suspend application
Easy CardEasyCard Easy CardEasyCard Telecom Easy Card Easy PayEasy Wallet(transaction record, balance inquiry, automatic refill) , UUPON (accumulated points are bound, and the recommendation code fills in " 036V5A " to get extra points) Chunghwa Telecom, Far EasTone, Taiwan Big Brother Asia Pacific Telecom (from 31 January 2020)
Easy Travel Co-branded Card Telecom Easy Travel Co-branded Card Chunghwa Telecom Big Brother Taiwan (from September 1, 2021)
a cartooniPASS iPASS CardiPASS Card NFC card iPASS APP (transaction record, balance inquiry) , LINE Pay Money (automatic top-up) Chunghwa Telecom Far EasTone (from September 25, 2018) , Taiwan Big Brother (from September 1, 2021) , Asia Pacific Telecom (from 2019)
All-in-one co-branded card Chunghwa Telecom (none)
Love Gold Cardicash icash 2.0
Mobile icash 2.0 icash Pay (automatic refill) , OPEN POINT (accumulated point binding) Chunghwa Telecom, Far EasTone (none)
icash 2.0 co-branded card Chunghwa Telecom (none)
YuanxinYuan Hsin money cardHappyCash mobile phone money card friDay wallet (none) Far EasTone (from September 25, 2018)
Cash card co-branded card (none) (none)

  The five major telecommunications companies in Taiwan, Chunghwa Telecom, Taiwan Big Brother, Far EasTone, Taiwan Star, and Asia Pacific Telecom, also offer different NFC-SIM card replacement services. Since the NFC-SIM replacement was opened, Taiwan Star has not supported it, and Asia Pacific Telecom has also stopped applying since the beginning of 2020, so currently only Chunghwa Telecom, Taiwan Big Brother, and Far EasTone are left, and the supported cards There are fewer and fewer species.

  In addition, to open the NFC-SIM card, you must use the APP cloud provided by the telecom operator to download the e-ticket, and you can directly check the balance of the e-ticket. Currently, only Chunghwa Telecom's Hami Pay can support the three major e-tickets at the same time, and it also includes joint names. You can also use the APP to switch between different tickets online, which can be said to be the most complete NFS SIM service at present.

  As more and more operators stop applying for replacement of NFC-SIM cards, users who need to use NFC-SIM cards may have to seize the opportunity, otherwise only Chunghwa Telecom's NFC-SIM cards may be left to choose. Although Chunghwa Telecom has the most complete services, but at the same time the price is the highest among all telecom operators. Unlike the previous monthly rental fee of NT$11 for the Double Eleven event of Asia-Pacific Telecom, you can enjoy the service of replacing the NFC-SIM card. , is now dead.

  The following lists the NFC-SIM card replacement services supported by various telecom operators in Taiwan (including the operators that have suspended the application and the date of suspension), and the mobile applications developed by the telecom operators to integrate the electronic ticket with the NFC-SIM card , the user can not only query the balance directly in the APP, but also can directly change different kinds of electronic tickets in the APP.

Five major telecommunications companies in Taiwan provide NFC-SIM card replacement services
industry Serve e-ticket
APP integration open for application suspend application
Chunghwa Telecom Hami Pay Easy Travel Card, Easy Travel Co-branded Card, All-in-One Card, All-In-One Card Co-branded Card, Love Gold Card, Love Gold Card Co-branded Card (none)
Taiwan big brother WALI Smart Wallet service transfer from 2021/9/1 ) Easy Card Easy Tour Co-branded Card and All-in-One Card (from 1 September 2021)
Far EasTone friDay Finance+ Easy Card, Love Gold Card All-in-one card and cash card (from September 25, 2018)
Taiwan Star (none) (none) (none)
Asia Pacific Telecom GtPay Mobile Payments (none) The original EasyCard and All-in-One Card will no longer provide any NFC-SIM card replacement service (from January 31, 2020)

2.3.2 E-tickets that support NFC mobile payment APP

  To use virtual e-tickets, in addition to changing the original SIM card to NFC-SIM at the telecom operator's store, another method is to use an international Pay that supports the NFC mobile payment function and a mobile device that supports this function. For example, Samsung mobile phones are relatively new. The mobile payment "Samsung Pay" provided by the mobile phone model of Samsung Pay is the "Samsung Pay EasyCard" which provides the NFC function of Samsung mobile phones combined with the EasyCard electronic ticket.

  Samsung Mobile can cooperate with EasyCard to launch the "Samsung Pay EasyCard" because Samsung has a key security element, which can allow the mobile phone to simulate the MIFARE sensor chip of EasyCard, and enable the mobile phone to conduct transactions by NFC induction after the card is opened online. . If mobile phones of other brands also support the function of electronic ticket, the mobile phone itself must also have a similar function, but it will inevitably increase the cost, which will increase the cost, and then negotiate the conditions and contracts with the electronic ticket company. Few phones support this feature. In addition, Samsung Pay EasyCard can also be manually added with a credit card online on the mobile phone (currently only Cathay United Bank, China Trust Bank, Yushan Bank, Taishin Bank, Taipei Fubon Bank, and Federal Bank) to avoid the temporary quota is not enough. Find a check-in machine.

  In addition to Samsung Pay on Samsung phones supporting EasyCard, Garmin Pay on Garmin smartwatches and Fitbit Pay on Fitbit smartwatches, two NFC mobile payments also support e-ticketing functions, but they cannot be manually processed online like Samsung Pay. Credit card top-up, but Fitbit Pay can automatically top-up with one-card co-branded cards (currently only supports China Trust Bank, Taishin Bank and Union Bank). On the other hand, because Apple's Security Element is too complicated, EasyCard is expensive to import the iOS system, so EasyCard has not been opened yet. Google only wants to be a "traffic ticket card", so at present EasyCard only opens Samsung mobile phones. The Easy Card is only.

  Although there are many devices or items on the market that can support e-tickets, such as watches, straps, bracelets, bracelets, dolls, mobile phone cases, etc. that support EasyCard or all-in-one cards, these cannot integrate mobile payment. There is also no real-time balance inquiry, and there are too many products, so I will not continue to introduce them here. Interested readers can check related products online. The following is a list of electronic tickets commonly used in Taiwan using NFC induction and integrated mobile payment APPs, and their applicable mobile devices/mobile devices.

NFC Electronic Tickets and Applicable Devices for International Pay

industry

Serve
Applicable device Remark

NFC mobile payment

e-ticket
NFC electronic ticket
type model
SamsungSamsung Samsung Pay Easy Card Samsung Pay EasyCard (Easy Card Company Website) , Samsung Pay EasyCard (Samsung Electronics Website) cell phone S21 UltraS21 +S21S20 UltraS20 +S20S20 FES10 +S10S10eS9 +S9S8 +S8Note20Note20 Ultra、Note10 +Note10、Note10 LiteNote9Note8 71 A71含 含 5G 、 、A70A60A52含 含 5G 、 、A51(5G included), A8s , Galaxy Z Flip (5G included), Galaxy Z Flip2 , Galaxy Z Flip3 , Galaxy Z Fold2 , Galaxy Z Fold3 . Online manual top-up is available (only for Cathay United Bank, China Trust Bank, Yushan Bank, Taishin Bank, Taipei Fubon Bank, and Commonwealth Bank). There are two types of ticket cards: ordinary cards and student cards.
Taiwan International AvionicsGarmin Garmin Pay Easy Card Easy Card watch Garmin Forerunner 745系列 、Garmin vívolifeGarmin vívoactive 4系列 、Garmin VenuGarmin vívomove 3系列 、Garmin vívomove StyleGarmin vívomove LuxeGarmin Legacy HeroGarmin Legacy Saga  
a cartoon NFC card Garmin Approach S62 , Garmin D2 Delta PX , Garmin Descent Mk2 series, Garmin fēnix 5 Plus series, Garmin fēnix 6 series, Garmin Forerunner 645 series, Garmin Forerunner 945 , Garmin MARQ series, Garmin vivoactiv 3 series, Garmin vivosmart HR (all-in-one card version) .  
Google Fitbit Pay a cartoon watch Fitbit Sense , Fitbit Versa series (excluding LITE version), Fitbit Charge 3 and above series, Fitbit Ionic .  
All-in-one co-branded card "All-in-One Card Co-branded Card" currently only supports Visa and Mastercard credit cards issued by China Trust Bank, Taishin Bank and Commonwealth Bank.

2.4 Virtual SIM (eSIM)

  Virtual SIM card , eSIM card , embedded-SIM ( embedded-SIM ), digital SIM card , etc. refer to the SIM card specifications introduced by the GSM Association and constructed under the 4G service, which can be downloaded and activated by a remote method Door number (mostly unlocked by scanning QR Code). Although an eSIM card is often referred to as a "virtual SIM card", it is actually a chip much smaller than a traditional SIM card and is directly embedded on the circuit board of a mobile device, so it is also considered a physical card and can be built in It is installed in the device, so it can save the card slot space of the general SIM card.

  Now one person has one mobile phone, but many people will have two or more door numbers. For example, because of the telecom preferential plan, one door number is used to make calls and the other is used to surf the Internet, or businessmen who need to travel back and forth from home and abroad, or Users who want to separate private numbers and public numbers. Those who have these needs, unless they are using dual-card machines, can only use two single-card machines, but this will increase the inconvenience of carrying, and even if there are three or more door numbers, even dual-card machines Not enough to use.

  If you use an eSIM card, you can use many groups of numbers in the same mobile phone, and you don't have to be limited by whether it is a dual-card or multi-card machine, and you don't need to carry more than one mobile phone. In addition to being able to use more door numbers, there are also many conveniences, such as saving the trouble of replacing the SIM card, especially now most of the smart phones require a card ejection needle to replace the SIM card, so there is no need to temporarily search for it. You don’t have to worry about breaking or losing the card when you change the SIM card. After all, the ejector and SIM card are mostly small items (easy to lose), and you don’t need to go to the physical store to pick up the SIM card or wait for the package to be delivered. card.

  Although using a virtual SIM card/eSIM card can have the advantages of one machine with multiple door numbers, and the convenience of not needing to replace the card, it also has two major disadvantages. One is that if the mobile phone is replaced or the mobile phone is lost, the telecom operator will usually charge a fee of NT$300 when downloading the door number of the eSIM card again. Need to be charged for card replacement); secondly, to use the eSIM function, you must have a device and telecommunications that support eSIM cards at the same time, and currently only some smart phones and other mobile devices on the market support eSIM cards, but fortunately, All the five major telecommunications companies in Taiwan support eSIM replacement services. The following will introduce Taiwan's telecommunications that support eSIM card replacement and related application information, as well as smart phones or other mobile devices that can use the eSIM function.

2.4.1 Telecom Operators Supporting eSIM Cards

  To use the virtual SIM card/eSIM function, both a smartphone (or other mobile device, such as a smart watch, etc.) and a telecommunication service are required. Compared with mobile phones or other mobile devices, you need to choose a model that supports eSIM. Taiwan's five major telecoms (Chunghwa Telecom, Taiwan Big Brother, Far EasTone, Taiwan Star, and Asia Pacific Telecom) all support eSIM card replacement services, unless it is Use of second class telecommunications (for example:Unified Supermarket Telecomibon mobile,frameless actionCircles.Lifeetc.), otherwise most users in Taiwan can apply for eSIM card service from the original telecommunication company/telecom service provider/telecom company.

  Although most users in Taiwan can apply for the service of using the eSIM card from the original telecommunications company, the eSIM services provided by each telecommunications company are different. For example, among the five major telecommunications companies, only Chunghwa Telecom provides both monthly rental and prepaid eSIM services, while the other four telecom operators can only apply for eSIM card services with monthly rental numbers and no prepaid cards; there are general Mobile eSIM cards are usually only applied for in physical stores, but Taiwan Star provides online stores that can apply for eSIM cards, but only for new applications and users who carry a code (old users must go to physical stores), but the roaming card ( Going abroad for Internet access cards, non-normal monthly eSIMs) can be applied for online. The following table summarizes the differences in eSIM services provided by the five major telecommunications companies in Taiwan.

eSIM services provided by the top five telecoms in Taiwan
industry eSIM type
eSIM service eSIM payment method
How to apply for eSIM Remark
Chunghwa Telecom cell phone Independent door number eSIM service Monthly rental, prepaid card Physical store  
watch Independent door number Watch special door number Monthly rental    
No. 1 multi-machine One Number Monthly rental   Only for Chunghwa Telecom number holders.
Taiwan big brother cell phone Independent door number e.g Monthly rental Physical store  
watch Independent door number Apple Watch independent door number Monthly rental   VoLTE and VoWIFI must be enabled at the same time.
No. 1 multi-machine One Number Service Monthly rental   Only for holders of Taiwan Big Brother Gate Number.
Far EasTone cell phone Independent door number e.g Monthly rental Physical store  
Independent door number Yuanyou card eSIM short-term rental Physical stores, online stores You can apply for a physical card when you go abroad for an internet card.
watch Independent door number Independent door number service introduction Monthly rental    
No. 1 multi-machine No. 1 multi-machine service introduction Monthly rental   Limited to the holder of the Far EasTone door number.
Taiwan Star cell phone Independent door number e.g Monthly rental Physical stores, online stores Online stores are only limited to new applications, code-carrying, and open two hours later.
Asia Pacific Telecom cell phone Independent door number eSIM area Monthly rental Physical store VoLTE service must be activated at the same time.
watch Independent door number e.g Monthly rental    
No. 1 multi-machine One Number Access (Apple Watch) Monthly rental   Only for Asia Pacific Telecom number holders.

2.4.2 Mobile devices that support eSIM

  The above shows that all the five major telecommunications companies in Taiwan can apply for virtual SIM card/eSIM card service. Although most users in Taiwan can apply for eSIM card, it should be noted that eSIM must also be supported by smart phones or other mobile devices. You can use the eSIM service normally, because not all brands of smart phones and smart watches on the market support eSIM, so you must pay attention to whether the device you are using has the technology that supports eSIM. Applying for eSIM service also cannot use this function normally.

  However, even if the mobile devices that can support eSIM technology are limited, most of them are big manufacturers and popular brands, such as Apple's iPhone, iPad, Apple Watch, as well as Google Pixel, Samsung Galaxy and so on. Therefore, the mobile devices/devices (including smart phones and smart watches) currently on the market that support eSIM technology and their models are compiled into a table below.

Smartphones, Smartwatches and Models that Support eSIM
industry
Mobile devices that support eSIM
type product model
appleApple cell phone iPhone iPhone XRiPhone XSiPhone XS MaxiPhone SEiPhone 11iPhone 11 ProiPhone 11 Pro MaxiPhone 12 miniiPhone 12iPhone 12 ProiPhone 12 Pro MaxiPhone 13 miniiPhone 13iPhone 13 ProiPhone 13 Pro Max,以及後續機型。
flat iPad iPad mini (5th generation), iPad (7th generation), iPad (8th generation), iPad Air (3rd generation), iPad Air (4th generation), iPad Pro 11 -inch (1st generation), iPad Pro 11 -inch (2nd generation), iPad Pro 12.9 -inch (3rd generation), iPad Pro 12.9 -inch (4th generation).
watch Apple Watch Apple Watch Series 3 , Apple Watch Series 4 , Apple Watch Series 5 , and subsequent models.
Google cell phone Google Pixel Google Pixel 3 , Google Pixel 3XL , Google Pixel 4 , Google Pixel 4a , Google Pixel 4a (5G) , Google Pixel 5 , and subsequent models.
SamsungSamsung cell phone Samsung Galaxy Galaxy S21 series (partial), Galaxy S20 series , Galaxy Z Flip (for 4G version), Galaxy Fold .
watch Samsung Galaxy Watch Samsung Galaxy Watch 4 LTE
HuaweiHUAWEI cell phone Huawei cell phone HUAWEI P40 , HUAWEI P40 Pro , and subsequent models.
watch HUAWEI WATCH HUAWEI WATCH 3HUAWEI WATCH 3 Pro
OPPO cell phone OPPO phone Oppo Find X3 Pro
MotorolaMotorola cell phone motorola cell phone Motorola Razr 2019

Remark:

  1. iPhones sold in mainland China have dual physical SIM card slots and do not offer an eSIM.
  2. In Hong Kong and Macau, the iPhone 12 mini, iPhone SE (2nd generation) and iPhone XS have eSIM capabilities.
  3. The Google Pixel 3a purchased in Southeast Asia does not support eSIM.
  4. Samsung Galaxy S20 Hybrid Dual SIM, Samsung makes eSIM and non-eSIM versions of this model
  5. HUAWEI P40 Pro+ does not support eSIM.

3 Conclusion

  With the advancement of technology, the advancement of the times, and the popularization of mobile phones, card issuers also issue more virtual cards according to different scopes of use and discounts. For ordinary users, the probability of using virtual cards is also increasing. . Usually, when applying for a virtual card, you do not need to go to the operator to apply in person like a physical card. You only need to enter the information on the Internet to apply, which can also avoid the risk of data leakage at the counter, and you do not need to spend time queuing up and filling in the information to apply, and no additional Expenses such as card making fees, labor costs, etc. As long as all kinds of cards are tied to the mobile phone, you can use one mobile phone to have functions such as consumption, accumulation, taking transportation, and using multiple door numbers.

  Using different kinds of virtual cards can have various advantages for different aspects of life. For example, using a virtual credit card can get the card faster, without waiting for the delivery of the physical card for many days, you can quickly spend after the card is checked, or you can use the physical credit card to bind the international Pay to reduce the need to carry cards and increase the card number. Safe; while using a virtual membership card, you do not need to apply for a lot of physical membership cards, and you can apply online without going through a store clerk, reducing personal information leakage; virtual e-ticket cards can reduce the number of rides and frequent location changes. Risk of card loss; virtual SIM cards can avoid the hassle of inserting the card with the ejection pin, and also avoid the situation of damage or loss of the physical SIM, and the use of more than two sets of mobile phone numbers.

  Even though the benefits of virtual cards are many, there are still a few cases where physical cards can only be used, but in most cases, alternative methods are found. For example, although there are very few places that only have physical card swiping machines (such as some rural areas, suburbs, traditional storefronts, etc.), in recent years, with the promotion of mobile payment and digital life, more and more stores have changed to contactless card swiping machines. It is also becoming more and more difficult to meet stores that only support physical card swiping machines; and membership cards can be bound to mobile phones as long as they scan barcodes, unless they only look at physical membership cards without scanning barcodes, but such stores There will be fewer and fewer stores, and more and more stores will replace them with barcode-scanning membership cards; as for electronic tickets, there is no physical card that can be used, and virtual cards can be used instead; The problem of support and the fact that smart phones usually have a physical card slot, in the case of using two (inclusive) or more door numbers, there is no virtual card that cannot replace the physical card.

  In short, with the modernization of one machine per hand, stores have changed to inductive card swiping machines (credit cards), contactless card readers (electronic tickets), membership scanners (membership cards), and an increasing number of With the advent of the technology (SIM card) that binds card numbers or data to mobile phones, a mobile phone can replace all kinds of physical cards and use more door numbers, so there is no need to carry multiple cards or mobile phones when going out. In addition to increasing convenience, it can also avoid the risk of personal information leakage when applying for a physical card, and it can also avoid skimming and reprinting when using a physical card, improving information security protection and increasing personal privacy. During the epidemic, it is also possible to avoid physical cards from touching people, as long as you use your mobile phone to sense or scan the barcode to improve the effect of epidemic prevention. Finally, because the virtual card does not need to make physical cards, and it is not necessary to replace the physical card when changing the card, it can reduce the consumption of plastic and chip of the card, as well as transportation resources and card-making costs, and there is no need to manage a large number of physical cards, saving energy and reducing Carbon, environmental protection, love the earth, reduce carbon footprint and also take a big step towards minimalist life.

4 Related Resources

  This article introduces many types of virtual cards, as well as the ability to bind various physical card numbers to smartphones or other devices, so that you can use multiple cards with one mobile phone when you go out, and at the same time, it can reduce the number of wallets, The thickness of wallets, card holders, etc., go out lightly. But in addition to virtual cards, there are many tools in life that can virtualize things. The following are the relevant resources published on this site: virtual mobile phone numbers, e-mail mailboxes.

4.1 Virtual mobile phone number

  A virtual mobile phone number refers to the ability to apply for a set of mobile phone numbers (door numbers) online in the online service platform. Usually, it is not necessary to apply through a telecommunications company. "SMS only", "Only calls", "SMS and calls at the same time", "SMS, calls and Internet access at the same time" and other functions.

  Also because there is no need to apply through a telecommunications company, these numbers can be used quickly, easily, and without contract. If you want to use a group of numbers temporarily (for example, apply for an online service platform), or you don’t want to reveal your phone number in order to protect privacy, You can use a virtual mobile phone number, but at the same time, the function is relatively simple, and it cannot be like the various services provided by the telecommunications industry, and at the same time, it does not guarantee the quality of service, and it is difficult to find customer service personnel. But if you want to quickly get a set of temporary numbers, it may be a convenient alternative. For detailed resources, see the article < Virtual Mobile Numbers > for a detailed introduction.

4.2 Virtual Mailbox (E-mail Box)

  E-mail mailboxes refer to mailboxes/mail boxes that can send and receive e-mails/e-mails online. According to different functions, they can be divided into "personal mailboxes (private mailboxes)", "enterprise mailboxes (multi-user mailboxes, customized domain name mailboxes)", "Temporary mailboxes (disposable mailboxes, disposable mailboxes)" and "education mailboxes (edu mailboxes)" for school teachers and students.

  Although with the rise and popularization of smart phones, mobile phone numbers may be used more frequently than e-mail mailboxes, but there are occasions when e-mail mailboxes are irreplaceable, such as account application on many Internet service platforms In addition to the mobile phone number, it is also necessary to enter the e-mail and receive a verification letter before the user account can be verified and opened.

  In addition, many membership card applications also require an e-mail address. If you do not want to receive marketing letters in the main mailbox, you can also apply for an additional mailbox. Furthermore, with the credit cards issued by more and more banks, as long as the physical bills are changed to electronic bills, you can enjoy the preferential plan of the annual fee-free credit card, and you do not have to receive many physical activity brochures.

  In a word, changing the physical discount letters of many store members, DM to e-mail, credit card bills to electronic bills, etc., can reduce the number of physical letters received, avoid full mailboxes, and reduce waste of resources like virtual cards. Energy saving and carbon reduction, environmental protection, love the earth, and enjoy a simpler and minimalist life. To find more e-mail mailboxes, you can refer to the article " E-mail mailboxes ", which organizes common and various e-mail mailboxes.

References

  1. Henry, 2015. < [Experience] MasterCard inControl withdrawal precautions >. Henry's casual notes.
  2. Huang I Yang, 2020. < Comparison of Banks Supporting International Pay Credit Cards and Debit Cards in Taiwan >. GitHub Gist.
  3. Wikipedia contributors. < Digital card >. Wikipedia. Last search date: December 2021.
  4. Encyclopedia Knowledge Editor. < SWP SIM card >. Encyclopedia Knowledge Chinese Network. Last search date: December 2021.
  5. Shen Wanyu, 2021. " The global chip burn has caused a shortage of chips for financial cards and credit cards in the financial industry ." United News Network.
  6. Gao Jingyuan, 2019. " Easy card will enter Samsung Pay, download, add value, and deduct money in one machine ." BusinessNext in the digital age.
  7. Gao Jingyuan, 2020. < Samsung mobile phone beeps into the MRT! Samsung Pay is the first to launch EasyCard, what are the plans of the two payment giants? >. BusinessNext in the digital age.
  8. Business Week Wealth Network, 2019. < Credit card stolen? Don't worry, there is a "virtual credit card"...the card number changes 72 times, and the card number is different every time you swipe the card ." LINE TODAY.
  9. Jayson Communications Editor. < [Mobile phone knowledge] What is an eSIM card? How is it different from a normal SIM card? What are the advantages and disadvantages? >. Last search date: December 2021.
  10. Wikipedia editor. < eSIM >. Wikipedia. Last search date: December 2021.
  11. Wikipedia editor. " Action Payments ". Wikipedia. Last search date: December 2021.
  12. Wikipedia editor. " Taiwan Mobile Payment List ". Wikipedia. Last search date: December 2021.
  13. Wikipedia editor. < Taiwan Electronic Ticket List >. Wikipedia. Last search date: December 2021.
  14. Wikipedia editor. < Identification code of the issuing bank >. Wikipedia. Last search date: December 2021.
  15. Wikipedia editor. " The Rune Algorithm ". Wikipedia. Last search date: December 2021.
  16. Cai Yahua, 2020. " Nearly 60,000 "Unowned" Easy Travel Cards were seized in one year, and the balance of 16 million was returned to Beijie ." Liberty Times.
  17. Long Er, 2021. < What is eSIM? Which eSIM phones are currently supported? The five major telecom eSIM card settings and application fees can be understood at one time >. my smart family.

Update record

  1. 2022/08/17, a new Apple Pay-supported bank, "Mega International Commercial Bank".
  2. 2022/05/18, Multilingual version added.
  3. 2022/05/17, "Yushan Digital e-Card" of Yushan Bank was added.
  4. 2022/05/14, the "China Airlines Co-branded Card" of China Trust Bank will be added.
  5. 2022/05/14, the "Federal Reliance Card" of the Commonwealth Bank has been added.
  6. 2022/05/14, the "Federal Happiness M Card" of the Commonwealth Bank has been added.
  7. 2022/05/14, the "5688 Co-branded Card" of Wing Fung Bank was added.
  8. 2022/05/14, the "Formosa Plastics Co-branded Card" of Cathay United Bank was added.
  9. 2022/05/14, "Yushan Pi Pai Wallet Credit Card" of Yushan Bank has been added.
  10. 2022/05/14, Taishin Bank's "Jiekou Co-branded Card" will be added.
  11. 2022/05/14, Added the "momo card" of Taipei Fubon Bank.
  12. 2022/05/14, Added the chapter "Credit Cards Free of Waiting for Physical Cards".
  13. 2022/04/09, Added "DNSChecker".
  14. 2022/04/09, Added "Open Possible Virtual Card" of Taipei Fubon Bank.
  15. 2022/03/18, Added HSBC's "Virtual Business Credit Card".
  16. 2022/03/18, the "Motion Virtual Credit Card" of China CITIC Bank International will be added.
  17. 2022/03/18, "ICBC Virtual Electronic Credit Card" of ICBC (Overseas Branch) will be added.
  18. 2022/03/18, Added Apple's "Apple Card".
  19. 2022/03/18, Taishin Bank's "Portuguese Co-branded Virtual Card" will be added.