The biggest advantage of ICBC's electronic cipher is that it does not need to connect computers and other equipment, nor does it need to install drivers. It has higher browser compatibility and greatly facilitates the operation of customers. Because the dynamic cipher can be used in online banking, mobile banking and telephone banking channels at the same time, it is safer and more convenient for iPhone/Android mobile banking and iPad personal online banking customers who have no USB interface and can't use U shield. Take the payment business as an example. When handling external payment services such as transfer, remittance and payment, the operation page will prompt you to enter a set of "challenge codes" (such as payee account number and transfer amount in transfer and remittance services). After the customer enters the "challenge code" in the dynamic cipher, the cipher will generate a temporary password according to the transaction elements, and the customer can complete related business operations by entering the random password generated by the cipher in the operation page.

Personal online banking customers who have applied for ICBC U shield can also apply for a dynamic password device, which can be used at the same time. Customers can switch the authentication mode through the "security center" of ICBC's personal online banking, and they can choose U shield as the authentication mode or dynamic password as the authentication mode.