Its advantages are:

Eight defenses of "one network shield" security system: 1 Professional Edition System-Online Banking Safe Harbor China Merchants Bank Online Personal Banking Professional Edition is an online personal banking financial management software developed based on the Internet platform. It is based on strict customer identity authentication, issues certificates to customers who participate in the transaction, and verifies the certificates during the transaction. It is a highly secure online banking system of China Merchants Bank and a platform for users to manage their finances safely. 2. Multicolored "excellent key"-the patron saint of online banking security "excellent key" is a new type of mobile digital certificate that China Merchants Bank uses sophisticated encryption technology to store the professional digital certificate of online personal banking on a USB flash drive. With the characteristics of "no drive", users can truly experience the feeling that "the bank moves with me and is safe and worry-free". 3. Limit control-by default, the bank sets a daily consumption limit of 5,000 yuan for the popular online payment function account. For professional online payment function, users can set their own daily consumption limit as needed to ensure that users have enough funds to experience online payment services. 4. Protection period-The new user safety island automatically sets the protection period control for the account that applies for the online payment function of the popular version. During the protection period, the daily consumption limit of online transactions is 500 yuan, so as to prevent users from inadvertently revealing the card number and password, causing greater financial losses due to misappropriation by others, and protect the account funds to the maximum extent. 5. Password security controls-account passwords are iron. Generally, the personal online banking of China Merchants Bank (including the popular version and the professional version) has password security controls in all password input areas, which effectively prevents hackers from stealing customer account passwords and prevents criminals from obtaining bank card information from the online banking system of China Merchants Bank. And that transaction security is greatly improve. "One Netcom Shield" Security Software —— Fake websites reveal their true colors. China Merchants Bank's "One Netcom Shield" security software can identify phishing websites and fake emails, warn users of risks or prevent you from submitting and visiting untrusted websites (webpages), effectively improving customers' ability to prevent online fraud. 7. dynamic verification code-worry-free online. Users should reserve the correct contact number when applying for online payment function or professional version at China Merchants Bank. When operating online payment or certificate recovery, you can get the "dynamic verification code" at the reserved contact telephone number in time for identity verification, which effectively guarantees the security or authenticity of online payment or certificate recovery. 8. Transaction SMS and email notification-When the account is changed, the user reserves the correct contact number when opening the online payment function of the popular version or the professional version at the counter. If there is a popular online payment transaction in a user's account, China Merchants Bank will immediately send the popular online payment transaction information to the mobile phone reserved by the user by SMS, and if there is a professional large-sum transfer transaction, it will also be sent to the mobile phone or email reserved by the user by SMS or email to let the user know the account changes in time. (China Merchants Bank) Complete press release: Help you control security: China Merchants Bank's "one network and one shield" eight-fold defense network has changed our way of life and changed the meaning of financial services. Online banking is more and more accepted by users because of its all-weather, low cost, comprehensive functions and convenience. However, when people enjoy convenient online banking services, the risks of online transactions also arise. In recent years, some lawless elements have turned their attention to individual users of online banking. They steal users' personal information through fraudulent means such as fake emails, fake websites, Trojan viruses and deliberate fraud, and then steal customers' account funds. The security of online banking has attracted more and more attention from users. China Merchants Bank, which has always been famous for its innovation, first vigorously promoted online banking in China. Its "One Netcom" personal online banking system has become the bank's signature business, which is not only loved by the majority of netizens, but also enjoys a good reputation in the industry and has become the catch-up object of other online banking. China Merchants Bank has invested a lot of resources and technology in maintaining the financial security of online banking users, and achieved remarkable results. According to industry sources, at present, China Merchants Bank has done the best in online banking security, and at least cases of account theft have occurred. The performance, convenience and security of online banking are two complementary standards. Convenience is the fundamental value of online banking, and security is the core and key to the development of online banking. In view of this, since the development and design of "One Netcom" system, China Merchants Bank has always put the security of online banking in the first place and maintained the leading level in this field. The purpose of "One Netcom" system construction is to effectively control risks, at the same time, ensure real-time and convenient settlement speed, provide customers with a security model that has a high safety factor and can meet the needs of convenient transactions, and achieve the perfect balance between convenience and security of online banking as much as possible. Over the years, China Merchants Bank has continuously introduced various targeted security measures, formed an all-round and multi-level online banking guarantee, and made every effort to build a "network shield" online banking security system. This system includes eight security measures, such as professional version system, brand-new mobile digital certificate "excellent key", payment limit control, new user protection period, password security control of login interface, dynamic verification code, transaction short message, email notification, and "one network shield" security software that can identify fake websites and fake emails, forming a huge and powerful protection shield for users in the virtual world to ensure their financial security. The first professional version of online personal banking-the personal online banking "One Netcom" of China Merchants Bank, an online banking haven, is divided into a popular version and a professional version. On the surface, the two are only different in functional scope, and the essential difference lies in the security level. The popular version does not need a digital security certificate, nor does it need to go through any formalities at the counter and pay any fees. As long as you have the bank card of China Merchants Bank, you can log in and operate online in the form of a web page to help users experience online banking conveniently. However, the popular version has certain security risks, so China Merchants Bank only provides customers with functions limited to their own accounts, including account information inquiry, account transfer in my name, purchase of funds and wealth management products in my name, etc. Compared with this, the professional version of "One Netcom" is much stronger and has a higher safety factor. "Professional Edition" adopts the double protection mode of certificate+client program, which is extremely secure. Therefore, it can undertake most banking business except cash delivery, meet the higher-end needs of customers, and enable them to carry out many financial activities without leaving home. Digital certificate is the foundation of professional security. The professional edition adopts X.509 standard digital certificate system, adopts digital signature technology and strong encryption communication channel based on certificate to ensure customer identity authentication and data transmission security, and has obtained CA security certification from the international authoritative VERISIGN company. Professional edition can only be used after customers apply for and install digital security certificates themselves. Opening the professional version requires users to bring their "one-card" bank card and their ID card to the counter of China Merchants Bank. In order to help customers prevent others from stealing, digital certificates are not allowed to be backed up directly on the hard disk, but only through independent devices such as USB flash drive and mobile hard disk. The second drive-free multicolored "excellent key"-online banking security patron saint professional digital certificate is divided into file digital certificate and mobile digital certificate "excellent key". When the customer applies for a document certificate, he will get the authorization code automatically generated by the system from the counter. After logging in and registering on the computer, a "security certificate" will be saved on this computer. Every time you log in to Professional Edition, the software will authenticate your certificate information online to ensure that it will not be used by others (you can't log in without a certificate). Mobile digital certificate is a portable hardware that looks like a USB flash drive. It uses complex encryption technology to store professional digital certificates on a USB flash drive. Compared with the traditional file certificate stored in the computer in the form of encrypted files, it can facilitate customers to enjoy professional services anytime and anywhere. More importantly, its appearance makes account authentication data independent of computer hard disk, which reduces the risk of theft and can be called the patron saint of online banking security. On this basis, China Merchants Bank further upgraded the latest mobile certificate-colorful key. This is the earliest driver-free mobile digital certificate in China. It can realize "plug and play" on any networked computer, eliminating the trouble of hardware driver for customers who use the professional version, greatly improving the service quality of online banking and the recognition of customers, and promoting the leap-forward development and popularization of the professional version. In addition to the protection of digital certificates, the professional edition also provides users with a special client. Customers who use the professional version must download the professional version software from the "One Netcom" website of China Merchants Bank for installation. The operation of the terminal does not depend on the webpage, which can avoid the attacks of viruses and trojans. When logging in, the terminal software will also force the customer to turn off the remote terminal option of the browser before starting. Customers use the professional version for financial management, transfer, payment and other business operations, without worrying about being attacked remotely by hackers. The existence of a double "safe haven" for certificates and clients means that if criminals want to steal customers' deposits by using "One Netcom" Professional Edition, they must first know the login password of customers' online banking, master the keys of computers with certificates or mobile phone certificates, and at the same time know the withdrawal password. This greatly increases the difficulty of committing crimes through online banking. Through the professional version of the system settings, customers can choose the highest security level based on the Internet to protect their transactions. At the same time, customers who use the professional version can also set the popular version of the login function to prevent the account from being invaded by criminals through the popular version of the Internet channel. In addition, according to the needs of different users, the online banking system of China Merchants Bank has designed a variety of security measures from different angles to help users at all stages of experience complete business operations through online banking without worries. Third Payment Protection Period-Safe Island for New Users In order to make more users experience the ease and convenience of online payment, China Merchants Bank provides a channel for customers to apply for payment through online or manual telephone, which is different from other banks' requirement that users must apply at the branch counter to open online payment. At the same time, for new users who are unfamiliar with online banking operations and have relatively weak awareness of network security, China Merchants Bank has specially set up a "safety island" in the popular version of "One Netcom"-the protection period for users in the popular version to limit their payment limits. Users who apply for online payment through the popular version will be automatically controlled under a certain payment amount every day within a certain protection period. This setting reduces the financial risks caused by unintentional losses of new users. The fourth limit control-the account fund protection wall is aimed at users who have a certain understanding of "One Netcom" online banking and start using the professional version. The professional version of the system gives them the right to manually set the "daily trading limit". The professional version just opened does not have the function of automatic online payment, so customers need to open it manually. Users can set the maximum amount allowed to pay every day according to their own needs and change it at any time. This function can also ensure the safety of customers' deposits to a certain extent. Fifth password security control-account password Iron General In order to prevent cyber hackers from stealing account passwords through Trojan horse programs, China Merchants Bank's online banking (including popular and professional versions) has set password security controls in all password input areas. With this "iron general" to lock the door, the security of data exchange is greatly improved, ensuring that customers can complete transactions with the help of network security. Six, "one network shield" security software-the false website is exposed. Phishing website is a common one among the endless network fraud means. The so-called "phishing website" means that fraudsters forge a page that is very similar to the real bank website and use a domain name that is easily confused with the bank name. If users search the bank website, they will fall into the trap if they are not careful. Such websites often send emails to users by imitating the bank's customer service mailbox, claiming that "there is something wrong with your online banking" and tricking users into providing their account numbers and passwords. In view of the trap of phishing websites, China Merchants Bank has specially developed the "One Netcom Network Shield" software. It can automatically identify phishing websites and fake emails aimed at China Merchants Bank's online banking, promptly give risk warnings or prevent account passwords from being submitted on suspicious websites to prevent information leakage. Users can log on to the homepage of China Merchants Bank at any time to download and install this software, so as to set up an anti-fraud barrier for online banking. The seventh dynamic verification code-Worry-Free Online In order to maintain the transaction security of online banking users in time, customers apply for opening a professional version, and tellers will ask customers to reserve their mobile phone numbers. If the customer performs certificate backup and recovery operation after the professional edition is enabled, China Merchants Bank will send a "dynamic verification code" to the mobile phone number in real time, and ask the customer to submit the verification code for identity verification through the webpage, effectively ensuring that the operation is truly recognized by the customer himself. The same protection also exists in the related operations of online payment. For customers' online payment, both the popular version and the professional version of One Netcom have set up a back-end system for risk assessment. The system judges the risk degree of each payment through a series of technical strategies, risk control strategies and customer protection strategies, and on this basis, sends a dynamic verification code to check the identity of the customer when the transaction exceeds a certain risk control standard. Eighth, transaction SMS and email notification-notifying account changes in time through SMS and email is another thoughtful design to improve the security factor of online banking. In case of online payment transaction of mass version or large-sum transfer transaction of professional version, China Merchants Bank will send the transaction information to the phone or email address reserved by the customer by SMS or email, so that the customer can keep abreast of the account changes, check the funds in and out, and feed back suspicious transactions.

The above eight measures together constitute an iron wall for "One Netcom" to protect the safety of customers' funds and smooth transactions. In fact, in the security system of China Merchants Bank's online banking, these eight lines of defense are only one side that customers can directly feel. Behind the system that customers can't experience, the business team and IT team of China Merchants Bank have been making great efforts to strengthen the security of "One Netcom" online banking. In order to verify the account information accurately, the online banking system of China Merchants Bank has to carry out instantaneous large-scale data exchange behind every user operation. In order to protect customers' funds from risks in more and more diversified online transactions, China Merchants Bank has continuously improved and strengthened the functions of the professional version of "One Netcom", and at the same time cooperated with third-party payment platforms such as Taobao and Tencent and public security departments, spending a lot of time, energy and cost to set up a strong monitoring team, actively discovering suspicious transactions and contacting customers, and creating an all-round safe channel for customers' capital flow. Through the unremitting efforts of China Merchants Bank, "One Netcom" online banking has increasingly demonstrated its excellent performance in both security and convenience. As the saying goes, the road is one foot high and the magic is ten feet high. Facing the ever-changing network security environment, China Merchants Bank is willing to make unremitting efforts with customers to continuously improve and perfect the security system of "One Netcom Network Shield" to ensure the safety of customers' funds! User safety knowledge tip: As a new thing, online banking will inevitably go through a process of continuous improvement. Generally speaking, China's major online banking, represented by China Merchants Bank's online banking, has provided sufficient security for users. However, in view of the complexity of the network environment, online banking users should keep a certain sense of vigilance, use online banking services correctly, and watch their wallets while enjoying the convenience and fun brought by online payment. For the vast number of users, the key to safe use of online banking is to protect information such as bank account numbers and passwords. Once leaked, bank funds are likely to be stolen. Therefore, keeping the account number and password properly is the premise of safe use of online banking. Tip 1: Strictly guard against cyber-hackers, and resolutely resist any behavior of asking for an account, password or ID card by email, SMS, telephone, pop-up web pages, etc. Password reset, telephone modification, inter-bank transfer and account freezing all require account activation, and such businesses must be handled by customers themselves through bank counters, telephones or websites. Tip 2: Always install antivirus software. In order to prevent Trojan virus, you should download and install the controls provided by the bank to protect the security of the client and protect the card number and password from being stolen. Download and install the latest operating system and browser security programs or patches regularly, open the firewall that comes with Windows XP, and turn off remote functions. Do not use pirated antivirus software and firewall software, use genuine related software and upgrade it in time. Tip 3: Be alert to Internet security and avoid letting too many people use your personal computer. Disconnect the network or turn it off when no one operates the computer for a long time. Computers with online banking software are not used as servers for data and file sharing. Don't back up online banking documents and certificates in computer hard disk or mailbox, and don't use online banking on computers in public places such as Internet cafes and libraries. When shopping online, you should choose a well-known shopping website. If you have no intention of buying or just want to try it out, please don't leave personal information. Tip 4: Contact the bank in time. If the customer information such as mobile phone, fixed telephone and email address changes, you should take the initiative to inform the bank to ensure that the bank can contact you in time in case of emergency or security risks. If the account information is inadvertently leaked, you should change the password or report the loss urgently through the bank's customer service phone, business outlets or online banking as soon as possible. In order to maintain account security, it is best to remember the bank's customer service email address and correct website address.

Through the simulation test, several small conclusions are gradually drawn:

1, China Merchants Bank Network Shield is most suitable for ie browser, and it also has some support for Firefox without ie kernel.

Measurement method: Enter a real CMB card number in the address bar of ie browser, and the network shield will give an alarm. For some support cases of Firefox, such as paypal supporting Firefox mode. At this time, if you enter the credit card authentication, the network shield will call the police, but if you enter the China Merchants Bank account directly in the address bar of Firefox, you will not call the police.

2. When recognizing, recognize a series of input numbers.

When entering, insert spaces or any other characters in the card number of China Merchants Bank, and the network shield will not recognize it.

3. Call the police only for the correct card number. The correct card number includes China Merchants Bank card account and credit card account.

I deliberately entered a China Merchants Bank card number with a wrong value and number in the ie address bar. China Merchants Bank Network Shield did not call the police, but once the correct number was entered, it immediately called the police. There is no doubt that the card number and ID number of China Merchants Bank are the same, and its card number rules support the check function, but I don't know which one or even which two are the check bits.

4. The early account of China Merchants Bank is not supported, and it must be a current account with 16 digits.

5. Card numbers of other banks are not supported.

6. It can be uninstalled by Microsoft's own uninstall software.

Not surprisingly, the role of the screen shield is basically judged based on two contents: 1, the continuous number entered, and 2, whether it is a legitimate website.

The basic principle is as follows: in the browser of ie core, first monitor whether it is your own address, if not, then authenticate the input serial number, and if it is found that the input serial number conforms to the verification rules of China Merchants Bank Card, immediately call the police.