China UnionPay Express QR code payment can be used for bus and subway, catering, supermarket convenience, public payment, self-service sales, campus, canteen, medical and health care, and traffic fines. China UnionPay Express APP has three core functions: payment, discount and card management. Together with UnionPay mobile phone flash payment and UnionPay QR code payment, it is the three major mobile payment products of UnionPay.

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As a unified new entrance for mobile terminals jointly created by all parties, the unified bank APP "China UnionPay Express" brings together the mobile payment functions and rights concessions of various institutions, and strives to become a mobile payment housekeeper for consumers to save money and worry. Consumers can bind and manage various bank accounts through the "China UnionPay Express" APP, and use the mobile payment services and preferential rights of various banks.

First of all, the UnionPay risk system integrates the risk rating information such as the cardholder's entity UnionPay card information and mobile device information to ensure the cardholder's safety during the application and use.

Secondly, based on the networking characteristics of mobile devices, UnionPay provides remote management services for China UnionPay Express products, and remotely manages China UnionPay Express products that may have risks to protect the rights and interests of cardholders.

Thirdly, in terms of security, China UnionPay Express products apply security technology, improve business processing rules, introduce mechanisms such as risk compensation and advance payment, and provide 72-hour card loss guarantee service. For individual sudden risk events, it can quickly solve the problem of user's capital loss and protect the legitimate rights and interests of users.