How to send international short messages, it is best to have a specific format?

Mobile banking (SMS) refers to a new financial service model in which customers edit the characteristic service number of short messages in a specific format to the bank, and the bank handles related businesses such as inquiry, transfer, remittance, donation, consumption, payment, customized/cancelled balance change reminder notice, and informs customers of the transaction results by SMS.

I. Characteristics and advantages

1. The service is extensive and the application is simple.

As long as your mobile phone can send and receive short messages, you can easily enjoy all the services of mobile banking. You can register your own mobile banking in China through the website of China Industrial and Commercial Bank, or you can register at the business outlets of China Industrial and Commercial Bank. The procedure is simple.

2. Rich in functions, convenient and flexible

By sending SMS via mobile phone, you can use eight services, such as account inquiry, transfer and remittance, donation, payment, consumption payment, and customized/cancelled balance change reminder notice. Moreover, when mobile banking provides more updated service functions, you can automatically enjoy various new services and functions without changing your mobile phone or SIM card. Mobile banking transaction codes are all composed of the first letter of the transaction name in Chinese pinyin, which is convenient for memory. You can also send text messages at any time. Ask how to use each function.

3. Safety, reliability and multiple guarantees

Banks use various methods to ensure the safety of your funds layer by layer. First, the information transmission and processing of mobile banking (SMS) adopts internationally recognized encryption transmission mode to realize the safe transmission and processing of data between mobile communication companies and banks and prevent data from being stolen or destroyed; Second, there are strict restrictions on the amount of money transferred by customers through mobile banking (SMS); The third is to bind the mobile phone number specified by the customer with the bank account and set a special payment password.

4.7×24-hour service, funds are received in real time.

Whenever and wherever you can send and receive short messages, you can immediately enjoy the all-weather service of ICBC's mobile banking (short message), transfer and remittance funds arrive instantly, and payment and consumption payment are completed in real time. Everything is under your control.

Second, service channels.

China Industrial and Commercial Bank outlets.

III. Bidding Conditions

Individual customers who have opened savings accounts and settlement accounts in China Industrial and Commercial Bank and hold mobile phones of cooperative mobile communication operators (currently China Mobile Communications Group Company and China United Communications Co., Ltd., hereinafter referred to as cooperative units) may apply for using mobile banking (SMS). You can immediately log on to ICBC China website to register mobile banking, or you can register at ICBC outlets.

Flow chart of self-registration: viewing process >>

Tip:

1. If you don't return the confirmation information for a long time after registering your mobile banking, the mobile user can use the activation function, that is, send "JH" to 95588, which can verify whether your mobile banking (SMS) is registered successfully.

2. Self-registered customers should only query account information and public information.

Fourth, the operation steps

You only need to write a short message in the specified format and send it to 95588 to realize the following functions:

1. Ask

(1) account inquiry: send a short message with the content of "CXZH# card number/account number" to inquire about my bank account balance and details of the day.

(2) Historical details inquiry: send a short message with the content of "CXLS# card number/account number # start date # end date" to inquire about the historical transaction details of my bank account.

3) Interest rate inquiry: send a short message with the content "CXLL# currency code # interest rate type" to inquire the interest rate of local and foreign currency savings deposits.

(4) Exchange rate inquiry: send a short message with the content of "CXHL# buying currency code # selling currency code" to inquire about the real-time exchange rate quotation of foreign exchange transactions opened by banks.

(5) Inquire about bonds: send a short message with the content of "CXZQ# bond code" to inquire about the trading price and accrued interest of listed and circulating government bonds.

transfer accounts

Send a short message with the content of "ZZ# Transfer-out Card Number # Transfer-in Card Number/Account Number # Amount # Payment Password" to transfer money between your mobile banking (SMS) registration cards or to other countries.

remittance

Send a short message with the content of "HK# remittance card number # remittance card number/account number # payee name # amount # payment password" to process remittance.

donate

Send a short message with the content of "JK# project code # card number # amount" to donate to charity.

5. Consumer payment

After shopping online, select "China Industrial and Commercial Bank Mobile Banking Payment" and enter your mobile phone number. You will receive a short message from our mobile banking (SMS) system to confirm your shopping payment. You only need to forward the SMS to 95588*** to complete the payment of the purchase price.

bear the cost

Send a short message with the content of "JFDH# phone number # name" or "JFSJ# mobile phone number", and then directly forward the confirmation short message returned by our bank to 95588.

7. Change the mobile banking registration information

(1) Password modification: You can modify your mobile banking (SMS) payment password by sending a short message with the content "XMM # original password # new password".

(2) Replacement of payment card: Send a short message with the content of "GZFK# new card number" and register for mobile banking (short message) to replace the default payment card.

(3) Cancel mobile banking: You can cancel the mobile banking (SMS) service by sending a short message with the content of "ZX# mobile banking payment password".

8. Customize/cancel balance change reminder notice

(1) Customized balance change reminder notice: Send a short message with the content of "BDDZ+ card number+payment password", which can customize the account balance change SMS reminder service for your registered mobile banking account.

This card number will automatically deduct the service fee for the first month's balance change when the account balance change SMS reminder service is enabled. The deduction amount is based on the charging standard of online banking account balance change reminder service, and the deduction account is basic account with customized registration card.

(2) Cancel the balance change reminder notice: send a short message with the content of "BDQX+ card number" to cancel the account balance change SMS reminder service of your registered mobile banking account.

This transaction can cancel the SMS reminder service for balance change, including the SMS reminder service customized by counter, online banking, telephone banking, mobile banking and other systems. Using counter, online banking, telephone banking and other systems can also cancel the customized SMS reminder service of mobile banking.

9. Ask for help

You can query the transaction codes of various functions of mobile banking; You can also query the standard input format of this transaction instruction.

China Mobile User: Send the content as "?" You can query the transaction codes of various functions of mobile banking through SMS (composed of the first letter of the function name in Chinese pinyin); Send content as "? # transaction code ",you can query the standard input format of trading instructions.

Users of China Unicom: Send a short message with the content of "bz", and you can query the transaction codes of various functions of mobile banking (composed of the first letter of the function name in Chinese pinyin); Send a short message with the content of "bz# transaction code" to query the standard input format of trading instructions.

Verb (abbreviation of verb) matters needing attention

1. "Default payment card" refers to the registration card specified when you register for mobile banking (SMS). You can use the default payment card to handle inquiries, transfers and other services without entering the card number.

2. "Payment password" refers to the password set and confirmed when you register for mobile banking (SMS). The payment password must be entered for business such as transfer, remittance, payment, consumer payment and account cancellation. The payment password can be set to 6-8 digits or letters.

3. The transaction code is generally composed of the first letter of the transaction name in Chinese pinyin, and the Chinese transaction name can also be directly entered.

4. In the short message format, each entry is separated by a separator, which can be pound sign (#), space or (,).

5. Our mobile banking (SMS) will charge information service fees according to the number of SMS messages you send and transaction fees according to the number of remittances from different places. Please refer to the e-banking charging standard for details.

You can pay the phone bill or mobile phone bill for yourself and others.

Happy new year!