Group 1 - The article promotes a payment activity through the China Construction Bank (CCB) mobile banking app, offering multiple benefits for users who pay utility bills such as water, electricity, gas, and mobile phone fees [2][3]. - Users can participate in the activity if they make a single payment of 30 yuan or more during the specified activity period, which runs from April 22, 2025, to December 31, 2025 [3]. - In digital RMB pilot areas, users can receive random WeChat discount coupons ranging from 2 to 10 yuan when they pay at least 50 yuan using digital RMB during the activity period from August 13, 2025, to December 31, 2025 [4]. Group 2 - CCB mobile banking signed customers can use their points to offset mobile phone recharge fees, with a monthly limit on the total and per transaction [8]. - The activity for using points to recharge mobile phone fees is scheduled from September 10, 2025, to October 31, 2025 [8].

Core Viewpoint - The article emphasizes the rapid transformation of the financial ecosystem through technology, highlighting the efforts of China Construction Bank's Shenzhen branch in enhancing banking services via digital channels and self-service innovations [1]. Group 1: Self-Service Channel Transformation - The bank is focusing on digital transformation of self-service channels to improve service efficiency and customer experience [1]. - The introduction of "Smart Teller Machines" (STM) allows customers to perform self-service transactions easily, receiving positive feedback for their simplicity and speed [2]. - The bank has implemented a one-stop service model, enabling customers to complete multiple transactions with a single confirmation, enhancing convenience [2]. Group 2: Comprehensive Services - The bank is expanding its "Smart Government" services, allowing customers to handle over a hundred government-related transactions through self-service machines, addressing common pain points in public service [3]. - The bank's outreach includes on-site services using intelligent devices to assist customers in various locations, ensuring financial services are accessible [3]. Group 3: Personalized Care - The bank has introduced a "Senior Care Version" of the smart teller machine, addressing the specific needs of elderly customers to improve their self-service experience [4]. - Services for cross-border customers have been expanded, allowing for various high-frequency transactions at key locations [4]. Group 4: Omnichannel Coordination - The bank promotes seamless integration between online and offline services, allowing customers to make appointments and manage transactions through multiple digital platforms [4]. - This omnichannel approach has led to over 500,000 customer interactions annually, indicating strong customer acceptance [4]. Group 5: Online Migration - The bank is prioritizing mobile services, enabling customers to perform high-frequency transactions through mobile banking applications, enhancing convenience [5]. Group 6: Smart Card Vault Innovation - The bank has introduced a "Smart Card Vault" to streamline the card issuance process, reducing the need for manual operations and improving customer service efficiency [6][7]. - The smart card system has processed over 400,000 transactions since its launch, significantly enhancing customer satisfaction and operational efficiency [8]. Group 7: Future Directions - The bank plans to continue leveraging advanced technologies such as big data, 5G, and artificial intelligence to further enhance its self-service channels and create a more inclusive and environmentally friendly banking experience [9].

Core Viewpoint - The article provides a comprehensive guide on how to apply for transaction disputes related to credit card usage, emphasizing the self-service application process available through the China Construction Bank mobile app [2][3][23]. Group 1: Application Process - Users can apply for transaction disputes for credit card transactions or cash withdrawals made within the last 50 days [3]. - To initiate a dispute, users must log into the China Construction Bank mobile app, navigate to the credit card section, and select the transaction in question to apply for a dispute [4][20]. - The application process includes selecting the type of dispute, providing necessary information, and submitting supporting documents if required [9][14][16]. Group 2: Types of Disputes - There are several categories for disputes, including "No Memory of Transaction," "Denial of Participation in Transaction," and "Participation in Transaction but with Doubts" [8][9][14][16]. - For "No Memory of Transaction," users can choose to receive updates via SMS or through self-service queries in the app [9]. - In cases of "Denial of Participation," users are advised to lock their cards to prevent further risks and must fill out a dispute declaration form [14][15]. Group 3: Follow-Up and Communication - After submitting a dispute application, users will receive a dispute reference number and may be contacted via SMS or phone for further information [9][14][16]. - Users can track the progress of their dispute through the mobile app by entering the dispute reference number [20].

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