Online transactions use the same bank card. Credit card depends on how you pay, and credit card can also open online banking. If you pay through online banking, the two are the same. Some websites support credit card installment payment, which can be paid by credit card, but other online banking (savings card opening) does not. (1) What is a "U shield"? U-Shield is a kind of physical hardware with smart chip, which looks like flash memory (U disk). It is the highest security tool for online banking clients at present. Although small, it plays a great role as the gatekeeper of online banking, and it is the guardian of online banking information and capital security! (2) Anti-theft ability of "U Shield": "U Shield" is unique and unrepeatable, and all external transfers involving account funds on the Internet must be uniquely authenticated in advance. Customers can effectively guard against various possible risks including "fake websites" and "Trojan horses" viruses without having professional Internet knowledge. In other words, as long as the user holds a "U shield" in his hand, even if the bank card number and password are accidentally leaked, he can safely use online banking. (3) How does U shield guard against theft? "U Shield" specially adopts the personal client certificate of physical media, and establishes a personal certificate authentication system based on public key (PKI) technology. Technically, customer certificates can authenticate the identity of customers' online transactions through personal certificate authentication and digital signature technology, and can sign various business service agreements to ensure the uniqueness, integrity and non-repudiation of transactions and agreements.