ETC devices are divided into three types of cards: prepaid cards, debit cards, and bank co-branded cards. The likelihood of fraudulent charges varies among these three types of cards. Here is a detailed analysis: 1. Prepaid Cards: These cards require users to top up before use and are not linked to bank cards. Users can only use them after depositing money into the card. Therefore, they do not have the quick payment or cash deduction features and cannot be recognized or fraudulently charged by POS devices. 2. Debit Cards: These products include corporate debit cards and bank debit cards. Corporate debit cards are electronic payment cards for highways issued by provincial network companies to corporate users, allowing one account to correspond to multiple cards and vehicles, enabling transfer top-ups, consolidated invoice printing, and reducing corporate vehicle management costs. Bank debit cards are electronic payment cards for highways jointly issued by provincial network companies and partner banks, linked to designated bank cards or accounts, usable without top-up. Debit cards carry the risk of being fraudulently charged by POS devices that support quick payment. 3. Bank Co-branded Cards: These cards allow spending before repayment and combine financial functions with highway electronic payment, usable without top-up, featuring dual-card integration. These ETC bank co-branded cards are essentially bank cards with quick payment functionality, as they have and enable the 'small amount contactless payment without password or signature' feature. Therefore, when such a card is inserted into an in-vehicle ETC device, it may be fraudulently charged if encountered by a POS device that supports quick payment.
