How to increase the transfer amount of ICBC mobile banking

Adjustment method of mobile banking transfer limit of China Industrial and Commercial Bank;

1. Method of modifying transfer limit through ICBC online banking.

(1) Log in to ICBC's personal online banking.

(2) Then click "My Online Banking".

(3) Click "My Account" after entering, and the added online banking related cards will be displayed on the page.

(4) Click "More" on the right, and then click the "Set" button on the right of the card limit setting.

(5) After entering, select "Custom Settings" and click "Next".

(6) Set the limit according to your own needs, and finally click "OK".

2. Modify the transfer limit method through ICBC Mobile Banking app.

(1) Open ICBC Mobile Banking, find ICBC ePay, and click Enter.

(2) Find the payment limit after entering the interface.

(3) In the amount modification interface, modify the limit according to your own needs, and then click Next.

(4) Enter the received verification code, and it can be modified successfully after submission.

Mobile banking refers to the channel mode in which banks use smart phones as carriers to enable customers to use banking services on the terminal. With the development of communication and Internet technology, the business functions of mobile banking are constantly updated and improved. Refers to the use of mobile devices such as mobile phones to realize the docking between customers and banks, and to handle related banking business or provide financial services for customers. Mobile banking is both a product and a channel, which belongs to the category of electronic banking.

The customer's mobile phone is connected with the bank through the mobile communication network, which is a brand-new business product that can directly complete various financial services such as account inquiry and transfer through the mobile phone interface. That is, banks use mobile phones as carriers, rely on mobile GSM wireless networks, send short messages through mobile phones, and use mobile short message resources to operate bank accounts, thus realizing the functions of "financial management" and "electronic wallet" of mobile phones. Simply put, mobile banking is the abbreviation of using mobile phones to handle banking-related business, and it is a channel for banks to realize electronization. It is a brand-new service mode that combines electronic money with mobile communication services.

basic concept

Mobile banking, also known as mobile banking, refers to the use of mobile phones, PADs and other mobile devices to realize the docking between customers and banks, and to handle related banking business or provide financial services for customers. Mobile banking is both a product and a channel, which belongs to the category of electronic banking.

Theoretically, except cash business, the counter business of banks can be moved to mobile banking. The functions of mobile banking are divided into standard functions and extended functions. Inquiry, transfer, remittance, payment and temporary loss reporting are standard functions. Extended functions are developed on the basis of standard functions, such as fund management, commercial payment, online shopping and so on. The provision of extended functions is inseparable from the support of the bank background. These expansion functions of small and medium-sized banks are generally weak, far behind state-owned banks and national joint-stock commercial banks.

Press conference on mobile banking

Domestic banks have launched mobile banking services, including large banks such as Industrial and Commercial Bank of China, Agricultural Bank of China, Bank of China, China Construction Bank and Bank of Communications, national joint-stock commercial banks, some urban commercial banks and rural commercial banks, and a few rural cooperative banks, new rural financial institutions and rural credit cooperatives. The mobile banking of regional banks is basically the mobile banking of online banking. The characteristic mobile banking related to rural finance in China includes cash withdrawal without card, small loans for farmers, address remittance and mobile finance.

fundamental/essential component

Mobile banking consists of mobile phone, GSM short message center and banking system. During the operation of mobile banking, after the user sends an instruction to the bank through the menu on the SIM card, the SIM card generates a short message with a specified format according to the user's instruction and encrypts it, and then instructs the mobile phone to send a short message to the GSM network. After receiving the short message, the GSM short message system sends it to the corresponding banking system according to the corresponding application or address. The bank preprocesses the short message, and then converts the instruction into the host system format. The bank host processes the user's request and returns the result to the bank interface system, and the bank interface system converts the processing result into the short message format.