Brief description of business
Mobile banking refers to the mobile banking service provided to you through client software. Log in to the mobile banking client, and you can enjoy various financial services provided by ICBC mobile banking. Mobile banking has the characteristics of portability, simple application, rich functions, safety and reliability, and mainly includes the following contents:
(1) Self-registration
Enter the bank card (account) and personal basic information, and you can register ICBC mobile banking to handle account inquiry, investment and wealth management. (You can also register mobile banking at the counter, open the functions of external transfer and online payment, and apply for security authentication media. )
(B) B2C payment
You can browse the websites of ICBC's cooperative merchants through your mobile phone, select goods, and jump to ICBC's mobile banking client through the merchants' websites. The mobile banking client will automatically open, providing mobile banking payment or using ICBC electronic payment mode for you to choose.
The mobile banking client payment function supports all authentication media currently launched by ICBC, including electronic banking password cards, electronic cryptographers and ICBC e-payment. ICBC mobile banking client B2C payment needs to use the latest version of ICBC client program. If the client in your mobile phone is not the latest version, you need to download the latest client before using it. After submitting the order, you will be prompted to use the latest client program software. Please download the latest version of the client by yourself.
(3) Account management
You can query account balance and details, add or delete registered accounts, report the loss of accounts, set the default account of mobile banking, query account opening outlets, query salary details, housing provident fund, my points and other services.
(4) Transfer and remittance
You can transfer money between registered accounts, transfer money to ICBC and other bank accounts, bind mobile phone numbers, receive money by e-mail, inquire about transfer and remittance transaction details, manage payee information, purchase remittance packages and other services.
(5) Payment Station
You can handle payment, my payment items, query payment details, sign entrusted withholding and other businesses.
(6) Mobile phone stock market
You can order 10 interested stocks, handle bank-securities transfer, and support jumping to the website of securities companies for stock trading.
(7) Loan business
Provide you with services such as inquiring about my loan information, handling loans and repayment.
(8) Fund business
Can handle fund purchase, fund fixed investment and management, and inquire about the fund share.
(9) Precious metals
It can handle the business of account precious metals, physical precious metals, deferred physical precious metals and account precious metals conversion.
(10) ICBC Messenger
You can customize services such as balance change reminder, business processing reminder and statement related functions for registered accounts.
(1 1) make an appointment to withdraw cash.
It provides you with the functions of withdrawal reservation and inquiry. You can enter the withdrawal amount, reservation code and reserved mobile phone number, select the account for withdrawal reservation, and then complete the withdrawal reservation by verifying the authentication medium. After the reservation is successful, we will send a short message with a random password to your reserved mobile phone. You can withdraw cash without a bank card on our ATM with the information such as the reserved mobile phone number, reservation code and random password.
(XII) Inquiring about outlets (contact our bank)
You can check the business outlets and ATM machines around your current location without registering or logging in to mobile banking. You can also contact ICBC by convenient telephone and SMS to learn more about its financial services.
XIII. ICBC Financial Management
Provide you with financial services and financial product functions, among which: "Financial Services" provides the signing, inquiry and management functions of smart express (ultra-short-term) financial agreements and T+0 financial agreements; "Wealth Management Products" provides the functions of purchasing, redeeming, withdrawing orders, inquiring the holding status and inquiring the transaction details of wealth management products.
(14) time deposit
Provide you with deposit and inquiry functions of time deposits.
(15) call deposit
Provide you with the functions of notice deposit and related inquiry for the transfer of funds from the current sub-account in the wealth management account card or smart card.
(16) silver business
Through the correspondence between the futures company's margin account in our bank and the futures investor's (hereinafter referred to as "investor") bank settlement account, the investor can realize the real-time transfer between the bank settlement account and the futures company's margin account, and the futures company can adjust the balance of the futures investor's fund account in the futures company in real time according to the change of its bank futures margin account, which provides convenience for the fund settlement of futures trading.
(17) Settlement and sale of foreign exchange
To provide you with the function of using the counter registration card to handle the settlement and sale of foreign exchange within the prescribed limit, you can inquire about the detailed information of settlement and sale of foreign exchange online.
(18) Insurance business
It provides you with the functions of purchasing insurance products, inquiring and modifying purchased insurance information, canceling the insurance contract insured on the same day, and inquiring about the transaction details of insurance products.
(XIX) Silver medical service
Sign a service agreement to provide you with mobile phone reservation service; Appointment registration, number cancellation, appointment details inquiry, diagnosis and treatment record tracking and inquiry details and other functions.
(20) Treasury bond business
Provide you with the purchase and inquiry functions of savings bonds (voucher) and book-entry treasury bonds. Savings bonds (voucher type) can query information, purchase, redeem and query the balance of national debt. Book-entry treasury bonds can be used to query relevant information of treasury bonds, open custody accounts, buy, sell, trade balance and details.
(2 1) foreign exchange business
Provide you with real-time foreign exchange rate and trend chart query and optional exchange rate setting functions; It provides functions such as instant and entrusted transactions (including profit entrustment, stop loss entrustment, two-way entrustment and additional entrustment), account balance and transaction details inquiry.
(22) Credit card
Provide you with the function of inquiring credit card balance, points and transaction details, and return the overdrawn RMB and foreign currency to my ICBC credit card, supporting the function of credit card consumption to installment.
(XXIII) Electronic Payroll
You can query the electronic payroll in the last two years.
(24) Private banks
You can use my wealth, exclusive financial management, entrustment confirmation, event invitation and other functions through the private banking service area.
(25) Crude oil account
Provide you with real-time price and trend chart inquiry of account crude oil, real-time and entrusted trading of account crude oil (including profit entrustment, stop loss entrustment and two-way entrustment) and account information inquiry functions, and manage account crude oil trading accounts.
(XXVI) Services and settings
It provides you with the rights to manage transactions, modify login password, modify payment password, set customer's reserved verification information, calibrate ICBC's electronic password device, internal mail, e-banking registration, pay mobile banking service fee, my star rating and recommended products, manage wealth management card, VIP customer service, contact our bank, bind mobile phone number to collect money, bind mailbox to collect money, and set interface style.
(XXVII) Welcome Page
Provide a welcome page after logging in to mobile banking; Display birthday and holiday greetings, safety tips, bank news, warm reminders and other information. Among them, birthday wishes include information that you can enjoy preferential treatment for transfer and remittance on your birthday; Tips include the following contents of all your accounts: notice of deposit maturity, expiration of fixed deposit (30 days in advance), expiration of Litianli wealth management agreement (7 days in advance), and temporary loss reporting card (indicating the due date of loss reporting).