Cardless payment refers to payments made by the payer via the Internet, mobile Internet, wireless local area network, etc. , without the need to read the physical card through the receiving device, to transfer acceptable monetary claims to the payee. Based on the above definitions, Which of the following are not cardless payments:. ['Xiao Wang is an online shopping expert. In order to facilitate shopping, he opened the "Express Payment" function of Alipay. Enter the seller\'s Alipay account to complete the transaction.', 'A college has opened the "Campus Card" service. This card can be used as an access card, a library card, or a card at a restaurant or supermarket, which is convenient for teachers and students.', 'Xiaoqian is a senior gamer, who often buys a lot of game equipment with online banking on the game platform.', 'The restaurant owner Lao Wu opened WeChat payment. When customers pay for the bill, they only need to scan the QR code on the bill with their mobile phone, and they can use WeChat to pay the corresponding fee.']