00 e-banking password card is the latest e-banking security tool launched by ICBC, and it is another line of defense to protect customers' funds from loss. In other words, as long as the customer keeps the password card in the customer's hand, there will be no financial loss. Even if the customer accidentally reveals the login card number and password, as long as the password card in the customer's hand is kept well, so that the login card number, login password and password card are not obtained by the same person, the security of the customer's funds can be guaranteed, and the customer can use electronic banking more safely and confidently.
00 password card is printed with several character strings in matrix form. When customers use e-banking to make payment transactions such as external transfer, B2C shopping and payment. The electronic banking system will randomly give a set of password card coordinates, and the customer will find the password combination from the card according to the coordinates and input it into the electronic banking system. Only customers who correctly enter the password combination can complete the relevant transactions. The password combination is valid once and invalid after the transaction.
00 Second, the application and use of electronic bank password card
00, electronic bank password card application.
From August 00, 2006 10, if online banking has been opened and U shield has not been applied, you can apply for an electronic banking password card at ICBC outlets with your valid certificate and peony card used when registering online banking. If you haven't opened online banking yet and don't plan to choose U Shield, you can bring your valid certificate to ICBC outlets to directly open online banking and apply for an e-banking password card.
00 when receiving the password card, you need to confirm whether the packaging film and film covering of the password card are in good condition. The newly applied password card should contain a complete plastic packaging film and covering film, as shown in the figure below. If it is damaged, you should ask for a replacement.
00, use the electronic bank password card.
00, when you use online banking to make external payment transactions such as external transfer, B2C shopping and payment, and withdraw time deposits in advance through online banking, the electronic banking system will randomly give a set of password card coordinates. You need to find the password combination from the card according to the coordinates and enter it into the electronic banking system.
00, electronic bank password card daily maintenance.
00 password cards can be reused, and each password card can be used 1000 times. For your convenience, ICBC Online Banking provides a detailed password card status query function. As shown in the figure below, you only need to log in to the online banking and click "Query and Modify Customer Information" under the customer service column, and you can query the card number, application date, usage times, remaining usage times and other detailed information of the electronic banking password card. The electronic bank password card is for personal use only. Please protect the password of the card properly to prevent others from peeping, copying or taking pictures. If the password card is lost or the card information is leaked, please change the card in time.
00 three. FREQUENTLY ASKED QUESTIONS
00. What's the difference between an electronic bank password card and a static password or a U shield?
Compared with static password, electronic bank password card is not only safer and more reliable, but also has higher payment limit and more functions. Compared with U Shield, the password card of e-banking is not as advanced as the former, but it is cheap and easy to use, which is enough to cope with common risks such as hacker attacks, fake website fraud, Trojan virus and so on. It is very suitable for ordinary online banking customers who do not require much payment limit. If you want to enjoy all the functions of online banking and have high requirements for the security of online banking, I suggest you apply for ICBC U shield.
00. Can the security of online banking account be completely guaranteed by holding the password card of electronic banking?
00 e-banking password card is a reliable security tool for e-banking, which can effectively prevent the risks brought by various online frauds. However, there are still non-technical risks such as card loss, peeping, taking photos and copying when using password cards. Therefore, it is recommended that you protect your password card on the one hand to avoid losing it or being peeked, photographed or copied. On the other hand, customers still need to develop good online habits. They should not easily download or click on some unknown software or email. It is best not to use online banking in public places (such as Internet cafes and public libraries), install genuine anti-virus software and firewalls, and update them in time to prevent the invasion of network viruses and avoid the disclosure of important information such as card numbers, passwords and ID numbers.
00. Do I have to pay a fee to apply for an electronic bank password card?
In order to make online banking users enjoy the convenience brought by online banking more safely, China Industrial and Commercial Bank now provides electronic banking password cards to our customers free of charge. Online banking customers only need to bring their valid certificates and peony cards used when registering online banking to ICBC outlets to apply for electronic banking password cards.
00. Is there a time limit and frequency limit for the use of electronic bank password cards?
00 e-banking password card has no time limit at present, but it can be used 1000 times. ICBC will remind you before your password card is used more than once. You can also log in to online banking and click "Query and Modify Customer Information" under the customer service column to check the remaining usage times of the password card of electronic banking. If the password card has been used for more than 1000 times, you can apply for a new password card at ICBC outlets.
00, what should I do if I accidentally enter the wrong dynamic password when trading?
If your password is entered incorrectly, please check it carefully and enter it again. In order to protect the security of your e-banking account, if you enter the wrong dynamic password three times in a row on the same day, the bank will temporarily freeze the trading qualification of the customer's online banking on the same day and automatically unfreeze it the next day; If 10 incorrect dynamic password is entered continuously, the bank will freeze the customer's online banking qualification and the customer needs to change the card at the counter.
00, I lost my e-banking password card. What should I do?
If your e-banking password card is accidentally lost, you can apply for a new card at ICBC outlets with your valid certificate and online banking registration card, and the old card will be invalid when applying for a new card. If you can't apply for a new card at ICBC outlets for the time being, I suggest you log in to online banking, go to Customer Service-> Personalized Customization, and temporarily turn off the functions of "e-commerce" and "external transfer". After these two functions are turned off, you need to go to a branch of ICBC to turn on the functions.
00, my electronic bank password card is damaged, what should I do?
If your e-banking password card is damaged, you can apply for a new card at the ICBC outlet with your valid certificate and online banking registration card, and the old card will be automatically invalidated.
00, the password card payment limit can't meet my requirements, what should I do?
If you feel that the payment limit of e-bank password card can't meet your requirements, you can apply to become a U shield customer. U shield is a hardware encryption method with higher security level introduced by ICBC, and online banking transactions using U shield are not limited by electronic banking transaction limits.