I may shed a little light on this issue. In China, everyone gets and ID card, with which the old password in bank can be eliminated and reset. I myself forgot password of my bank acount for more than one time. Then citizen ID card worked. I needn't know the password, cuz the clerk will eliminate it and let me reset. And if my Mum goes to bank for me, she just took both her and my ID card, then also work.
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