1. If you want to use China UnionPay Express, you must have an Android phone with NFC function or an Apple phone.

2. You have to bind a credit card in the "wallet" APP of your mobile phone, and then you will generate a China UnionPay Express Pass card, just like the "dual card" of a physical bank card.

3. Next, in front of the POS machines with UnionPay "Flash Pay" logo at the checkout counter of supermarkets and shopping malls, after the cashier inputs the payment amount, consumers only need to light up their mobile phones and put them near the POS machines. After hearing the "Didi" sound, they can enter the password, and the whole payment process can be completed through the above operations, which is convenient and fast.

If the mobile phone is accidentally lost, you can report the loss of China UnionPay Express Card at the bank, and the losses incurred by the user during this period can be paid by insurance.