The handling and use of online banking (referred to as online banking) (taking the online banking of China Construction Bank as an example) is my experience, and I hope it can be helpful to netizens in need. Online banking includes credit card (debit card) online banking, debit card (savings card) online banking and passbook online banking. Debit card and passbook online banking are divided into U shield online banking and password card online banking. Credit card online banking can be used directly through online registration, without going to the bank to open an account, without U shield or password card, and without installing certificates and management (driver) programs. There is another kind, which many people think is online banking. Actually, it's not online banking, but a bank card with online payment function. For example, Alipay cartoon, which can shop on Taobao, belongs to this kind of bank card, and the procedures are different from online banking. Description of online banking transaction limit: dynamic password card users: single payment limit is 3,000 yuan, and daily cumulative payment limit is 3,000 yuan. U shield users: the single payment limit is 200,000 yuan, and the daily cumulative payment limit is 500,000 yuan. The following is how to handle and use debit cards and passbook online banking: 1. How to deal with online banking. Bring valid identity documents (which must be handled in person, and the bank is not allowed to act as an agent) to the bank for business opening procedures (signing contracts). If you already have a bank card or passbook, you can use the ready-made card or passbook to open online banking, otherwise you need to open a new account. If there are multiple cards or passbooks in the same bank, the accounts of other cards or passbooks can be added as online banking accounts, and accounts in different banks cannot be added as the same online banking account. Dynamic password card online banking This kind of online banking has no U shield. When registering at the counter, the bank will give away a password card with 30 electronic passwords, which can be used 28 times each time (the last password is the first password used to connect to the next password card and cannot be used for transactions). When the password card is used up, you should go to the bank to buy a new password card, each card is 3 yuan. After you register with the bank, you must activate it online to use it. When you activate, you need to install a digital certificate instead of a driver. U-Shield Online Banking After the bank opens online banking, the bank will give you a U-Shield (which China Construction Bank calls the Internet Banking Shield) and an online banking manual (some even have CDs). CD-ROM is used to install drivers. Double-click the CD-ROM drive to install it. Before use, it is recommended to read the online banking user manual carefully, which will guide you how to activate online banking and download the installation certificate. Second, the use of online banking. After completing the formalities at the counter, you have to log on to the website of China Construction Bank to activate it before you can use online banking. The activation of the password card is relatively simple, and the activation of the U shield is relatively complicated, but it can still be successfully activated as long as the process is followed. Activation method of dynamic password card: log in to online banking, enter the "Security Center" menu, and select "Dynamic Password" to display the dynamic password card registration page. Please enter the dynamic password card number twice, the first dynamic password of the card and your transaction password, click "Confirm" to register successfully, and then use the passwords on the card in turn every time you log in to online banking transactions. Activation method of U-Shield: Plug U-Shield into the computer, then log on to the website of China Construction Bank and follow the prompts to activate it. This is the login website of China Construction Bank's online banking:/app/V5/CN/Sty1/login.jsp, which reads "First login after online banking is opened at the bank counter, please click here to enter". Click to activate the online banking U shield, and set the login password and U shield password (electronic password) when activated. CCB Online Banking also provided a simulated "Demonstration of Online Banking Function" (address: /V5/demo/ webpage _ demo/pre _ demo.htm). As long as you enter the online banking function demonstration, you can practice the use of online banking. In addition, CCB also provided a dynamic demonstration of online banking registration and payment: CCB online banking registration demonstration:/app/V5/cn/sty1/login.jsp used online banking. In use, in addition to the above nicknames and passwords, there are two additional codes in the webpage, which are input during login and transaction respectively to prevent malicious programs from cracking online banking passwords. When trading, the U shield user must insert the U shield, otherwise the transaction cannot be made. When logging in for trading, it is recommended to use the soft keyboard provided by the webpage to enter the password, so even if a Trojan horse can copy the password, don't be afraid, because the layout of the numbers on the soft keyboard is different every time, and copying is useless.