1. My account (account inquiry function)
It provides customers with functions such as balance inquiry, detailed inquiry, account management, green cartoon account management and account loss reporting.
account management is for the convenience of customers' management. It provides customers with the function of adding and canceling other accounts in their own names to mobile banking, and at the same time, it can set and modify aliases for the added accounts.
green cartoon account management provides customers with the functions of disabling/enabling the secondary card under the green cartoon main card and setting the secondary card quota.
2. Transfer and remittance
It provides customers with functions such as fixed and mutual transfer, intra-bank transfer, inter-bank remittance, mobile phone number transfer, mobile phone number transfer function switch, default account setting, address remittance, password remittance, remittance inquiry and payee list.
Mobile phone number transfer refers to that the non-self-registered customer of China Postal Savings Bank will transfer the funds from his mobile phone banking contracted account to the default account of the other mobile phone bank (which must be a non-self-registered customer of China Postal Savings Bank) by inputting the payee's mobile phone number and payee's name.
Default account setting refers to the collection account with mobile phone number set for user's convenience, and it is also the preferred account for accounting transactions such as transfer and remittance. The account used by the customer when registering mobile banking at the counter is the default account.
Payee register is a payee record established by a customer after opening the transfer and remittance authority, so as to facilitate the customer to transfer money to the same account for many times. When transferring money, the corresponding payee can be found from the customer's payee register, and the step of manually entering the payee account number, payee name and payee bank is omitted. There are three kinds of payees in mobile banking (WAP version): postal savings bank payees, inter-bank payees and mobile phone number remittance payees, which customers can query, modify and delete.
3. Credit card business
It provides customers with the function of inquiring about the account information of credit cards and the detailed information of unbilled transactions, and returning the overdraft arrears to their own or others' credit card RMB accounts; Handle the function of binding the current settlement account in my name with the credit card, and support the credit card installment payment, integral inquiry and other functions.
iv. Payment service
With this function, customers can pay the fees of special payment items of branches, and support customers to submit payment instructions after non-working hours. After successful payment, the payment items can be stored in quick payment information, and customers can also query their payment records through the payment log.
v. Fund business
Customers can inquire about the basic information of fund products sold by Postal Savings Bank (including fund code, name, type, net value, etc.), and can quickly and conveniently conduct operations such as fund purchase, fixed investment, redemption, conversion, withdrawal, modification of dividend distribution method, inquiry of fund holdings, inquiry of transaction details, etc.
VI. Treasury bond business
Customers can inquire about all issues of voucher-type treasury bonds and savings bonds (electronic) products sold by China Postal Savings Bank, and can also inquire about the holding of treasury bonds and transaction details.
VII. Wealth management business
Customers can inquire about RMB wealth management products sold by China Postal Savings Bank, and can realize operations such as additional investment in wealth management, early redemption, termination of investment, cancellation of transactions, inquiry about the holding of RMB wealth management products, and inquiry about transaction details.
VIII. Personal loan business
Customers can query the contract information, IOU information, repayment schedule and other information of outstanding loans through this function. Through this function, customers can know the balance, interest, accumulated interest, interest rate and next repayment date of outstanding loans, and they can also apply for advance repayment appointment through this function to help customers repay loans in time and deal with arrears.
IX. Customer service
Provide customers with functions such as reporting the loss of certificates, setting authentication methods, setting transaction limits, setting shortcut menus, modifying login passwords, modifying transaction passwords, setting reserved information, and querying logs.
authentication mode setting refers to the authentication mode set by command card customers through this function. There are two authentication modes: transaction password authentication and transaction password+token password authentication.
The shortcut menu setting is for the convenience of customers and provides the service of setting common functions as personalized menus.
transaction limit setting allows customers to adjust the transaction limits of payment, transfer, remittance and payment according to their own needs within the limits specified by the bank. After adjustment, relevant transaction limits are controlled according to sub-quotas.
Reservation information settings provide customers with the function of querying and modifying the contents of reservation information. The reservation information set by mobile banking may be inconsistent with the reservation information of personal online banking.
X. SMS service
If the customer is a mobile banking customer of China Postal Savings Bank, you can edit and send a fixed-format SMS to 9558 to inquire about basic information such as account balance, transaction details and funds held. This function will not increase the online traffic.