Relevant regulations of Bank of Communications:

1. A bank settlement account opened for special management and use of its special funds. Special deposit accounts are used to handle the receipt and payment of various special funds and allow cash withdrawal.

Must be approved. Capital construction funds, renovation funds, extra-budgetary funds, grain, cotton and oil purchase funds, unit bank card reserve funds, securities trading settlement funds, futures trading deposits, interbank funds deposited by financial institutions, income remittance funds and business expenditure funds, unit party, league and trade union organization funds and other funds that need special management and use according to regulations may apply for opening special deposit accounts.

2. Handling the receipt and payment of funds for temporary business activities of temporary institutions and depositors. Withdrawing cash from a temporary deposit account shall be handled in accordance with the relevant provisions of the state on cash management. The scope of opening a temporary deposit account includes the establishment of temporary institutions, temporary business activities in different places, and verification of registered capital.

3. The depositor's daily business activities, including the receipt and payment of funds and the withdrawal of wages, bonuses and cash, shall be handled through this account. The general deposit account is used to handle the deposit of depositors' loans, repayment of loans and other settlement funds. This account can be used for cash deposit, but not for cash withdrawal.

4. While realizing fast financial services, pay more attention to security settings. Take Shanghai Pudong Mobile Banking as an example, it has the function of identifying the mobile phone number, which is equivalent to adding an open key to the mobile banking held by customers. Without the customer's mobile phone number, it is impossible to log in to mobile banking with the corresponding identity, which greatly improves the security of mobile banking.

At the same time, mobile banking will display the customer number for identity confirmation after the customer logs in to avoid being caught by phishing. Shanghai Pudong Development Bank also separated the login password of mobile banking from the payment password, and set up two safety nets for transactions. In addition, when the query password set by the user is too simple, the system will automatically prompt the user to modify the password.

5. The mobile banking of other banks also has their own ingenious ways to prevent risks. For example, ICBC mobile banking requires a dynamic password card in addition to the password when transferring money; However, the accounts of mobile banking users of China Merchants Bank will only be partially displayed on the screen, which can reduce the risk of account leakage caused by using mobile phones in public or being stolen.

6. Banks know customers' needs and have customers' information, so their position in this business will become more and more important, and the role of mobile operators is mainly to provide safe data transmission channels for services. The important reason for the rapid development of mobile banking in Korea is that banks have played an active role in this business.

7. Banks can first transfer some simple services to mobile phone self-service, such as account inquiry. According to the statistics of American Banking Association, the comprehensive cost for users to receive banking services at the counter is $2.7, while the cost through ATM is reduced to 1/4, and the cost of self-service through mobile phone is only 1/20 of that of counter service.

So you can't set the mobile phone bank of communications security token.

Extended data:

The role of Bank of Communications security token:

1, guiding role

The guiding role of China Construction Bank's mobile banking is mainly reflected in the guiding role of performance indicators, that is, clear objectives and guide employees' work.

2. Constraint function

Some mobile banks of CCB will clearly tell employees what to do, whether the work meets the performance indicators, constrain their daily behavior and management norms, and focus and objectives.

Step 3: Coagulation

Once China Construction Bank Mobile Banking (CCB) is established, employees will use all kinds of resources and unite all available forces to achieve and complete performance goals, which can unite everyone in a common goal and direction.

4. Competition

The setting of mobile banking in China Construction Bank requires employees to strive to achieve their goals, and the performance indicators define the direction and objectives of employees' efforts, thus providing goals and comparison standards for the competition among employees, departments, enterprises and the outside world, so that employees can compete with each other to complete the performance appraisal indicators.

Baidu encyclopedia-bank of communications

Bank of Communications official website-Credit Card Charter