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Mom: hand chop party who do not worry, online shopping is no limit to the amount of consumption. 5000 yuan limit only for the payment account debit, without addressing bank accounts (capital account consumer payment account is established in the consumer platform, and a bank account is the funding accounts in banks to set up the consumer). That is, when online shopping charge, when the amount of consumption more than 5000 yuan, 5000 yuan deducted from the payment account, the excess of $ 5,000 from the bank card account. Therefore, the actual amount of consumption is not affected, but different charge channels only. For example, if Bob Alipay above the value of 6,000 yuan to buy a cell phone, he happened to have a PayPal account to pay 6,000 yuan, but according to regulations, Xiao Ming-per-day limit is only 5,000 yuan, how to do? In fact, nothing to worry about this problem, debit PayPal account will give priority to small invention deducted 5,000 yuan, 1,000 yuan remaining part will automatically grew out previously bound bank card account to be debited. Just for financial security reasons, want to achieve 5000 yuan payment account of the consumer, Xiao Ming need to provide two types of cross-validation of information, so that Xiao Ming prove 'you are you.' Fiscal: draft Article 28, payment institutions and with less than two kinds of elements to verify transactions, a single customer payment account in a single day all the accumulated amount should not exceed 1,000 yuan. We assume a scenario, if Bob needs to use such as Uber taxi automatic debit network consumer items, consumer credit will be limited to less than 1,000 yuan it? Central mother: no restrictions. In fact, supra, we regulate the amount of consumption of 1000 yuan more relaxed, just a class of authentication information. For example, Xiao Ming only need to provide his ID number or phone number, two in one, he can easily use a taxi uber friends. But if Bob was charged for no reason, in the amount of less than 1,000 yuan, whom payment should it? Article 28 of the draft also stipulates that payment institutions should commit to an unconditional full bear the risk of loss of responsibility for payment of such transactions. Fiscal: draft Article 28, the use of two types of payment institutions including digital certificates or electronic signatures, including (or more) elements to validate transactions in a single day cumulative limit from payment institutions by agreement with the client