How to use the electronic bank password card?

In order to enable more customers to enjoy safe and convenient e-banking services, following the successful launch of "U Shield", China Industrial and Commercial Bank has launched a new product of e-banking security-e-banking password card.

1. What is an electronic bank password card?

Electronic banking password card is the latest electronic banking security tool launched by Industrial and Commercial Bank of China, and it is another line of defense to protect customers' funds from loss. In other words, as long as the customer keeps the password card in the customer's hand, there will be no financial loss. Even if the customer accidentally reveals the login card number and password, as long as the password card in the customer's hand is taken care of so that the login card number, login password and password card are not obtained by the same person, the security of the customer's funds can be guaranteed, and the customer can use electronic banking more safely and safely.

Many character strings are printed on the password card in matrix form. When customers use e-banking for external transfer, B2C shopping, payment and other payment transactions. The electronic banking system will randomly give a set of password card coordinates, and the customer will find the password combination from the card according to the coordinates and input it into the electronic banking system. Only customers who correctly enter the password combination can complete the relevant transactions. Password combination is valid once, but invalid after transaction.

Second, why do you want to use an electronic bank password card?

Electronic banking password card is a brand-new electronic banking security tool developed by China Industrial and Commercial Bank to meet the needs of the majority of electronic banking users, taking into account security and cost factors. Specifically, electronic bank password cards have different characteristics from static passwords and U-shields in terms of security, convenience and price, as shown in the following table.

Applicable customers, characteristics, security mechanism and price comparison of U shield, password card and static password.

Comparison of main online banking services enjoyed by various customers

For details of the trading rules, please refer to the Notice on Amending the Trading Rules of Personal Online Banking.

Three, the application and use of electronic bank password card

Electronic bank password card application

Since August 10, 2006, if you have opened online banking and have not applied for U shield, you can apply for an electronic banking password card at the business outlets of ICBC with your valid certificate and peony card when registering online banking. If you haven't opened online banking and don't plan to choose U shield, you can bring valid certificates to ICBC outlets to directly open online banking and apply for an electronic banking password card.

When collecting the password card, you need to confirm whether the packaging film and film coverage of the password card are intact. The newly applied password card should contain a complete plastic packaging film and covering film, as shown in the figure below. If it is damaged, you should ask for a replacement.

The use of electronic bank password card

After applying for a password card, when you use online banking for external payment transactions such as external transfer, B2C shopping and payment, and when you withdraw time deposits in advance through online banking, the electronic banking system will randomly give a set of password card coordinates. You need to find the password combination from the card according to the coordinates and input it into the electronic banking system. Note: After receiving the card, you must log in to online banking for the first time to use B2C transactions normally. For example, when you transfer money through online banking, the following information will be displayed:

Please scrape off the electronic bank password card coordinates corresponding to A3 and B2 according to the dynamic password coordinates prompted by the system (in order to better protect the information security of the electronic bank password card, it is recommended that you only scrape off the required electronic bank password card coordinates), as shown in the following figure:

After scraping the password card of online banking, you only need to enter the passwords corresponding to A3 and B2 in turn in the dynamic password box: 136 135 (without spaces in the middle), enter the verification code, and click OK.

Successfully completed the transfer transaction.

Daily maintenance of electronic bank password card

The passwords scraped off the password card can be reused, and each password card can be used 1000 times. For your convenience, ICBC Online Banking provides a detailed password card status query function. As shown in the figure below, you only need to log in to online banking and click "Query and Modify Customer Information" under the customer service column, and then you can query the card number, application date, usage times, remaining usage times and other detailed information of the electronic banking password card. The electronic bank password card is for personal use only. Please protect the password of the card properly to prevent others from peeping, copying or taking pictures. If the password card is lost or the card information is leaked, please change the card in time.

More security tips: In order to use online banking more safely, you need to protect your card number and password, ensure that the computer that logs into online banking is safe and reliable, update antivirus software regularly, download patches in time, do not open unknown programs, links and emails, and maintain good online habits. At the same time, you need to protect your e-banking password card, don't lend it to others, and prevent others from copying or taking photos.

If you want to get a higher level of security protection and use more online banking functions, you can also choose ICBC U Shield, a hardware encryption tool with national patents.

Fourth, frequently asked questions

What is the difference between electronic bank password card and static password and U shield?

Compared with static password, electronic bank password card is not only more secure and reliable, but also has higher payment limit and more functions. Compared with U-Shield, the password card of e-banking is not as advanced as the former, but it is cheap and easy to use, which is enough to deal with common risks such as hacker attacks, fake website fraud and Trojan virus. It is very suitable for ordinary online banking customers who have low requirements on payment limit. If you want to enjoy all the functions of online banking and have higher requirements for the security of online banking, I suggest you apply for ICBC U shield.

Can the security of online banking accounts be completely guaranteed by holding an electronic banking password card?

E-banking password card is a reliable security tool for e-banking, which can effectively prevent the risks brought by various online frauds. However, there are still some non-technical risks when using the password card, such as losing the card, being peeked, taking photos, copying and so on. Therefore, it is suggested that on the one hand, you protect your password card to avoid being lost or peeked, photographed and copied. On the other hand, customers still need to develop a good habit of surfing the Internet. They should not easily download or click on some unknown software or email. It is best not to use online banking in public places (such as Internet cafes and public libraries), install genuine anti-virus software and firewalls, and update them in time to prevent the invasion of network viruses and avoid the disclosure of important information such as card numbers, passwords and ID numbers.

Do I have to pay for applying for an electronic bank password card?

In order to make online banking users enjoy the convenience brought by online banking more safely, China Industrial and Commercial Bank will provide free electronic banking password cards to customers from August 1 day, 2006 to October 3 1 day, 2007. Online banking customers only need to bring their valid certificates and peony cards used when registering online banking to ICBC outlets to apply for electronic banking password cards. After June 5438+10/October 365438 +0, 2007, China Industrial and Commercial Bank will charge a 2 yuan fee for each electronic banking password card.

Is there any limit on the time and frequency of using the electronic bank password card?

At present, there is no time limit for the use of electronic bank password cards, but there is a time limit of 1000. ICBC will remind you before your password card is used more than once. You can also log in to online banking, and click "Query and Modify Customer Information" under the customer service column to query the remaining usage times of the electronic banking password card. If you use your password card more than 1000 times, you can apply for a new password card at the ICBC outlet.

What should I do if I accidentally enter the wrong dynamic password during the transaction?

If you enter the wrong password, please check it carefully and enter it again. In order to protect the security of your e-banking account, if you enter the wrong dynamic password three times in a row on the same day, the bank will temporarily freeze the trading qualification of the customer's online banking on the same day and automatically unfreeze it the next day; When 10 incorrect dynamic passwords are entered continuously, the bank will freeze the customer's online banking qualification, and the customer needs to change the card at the counter.

What should I do if I am doing b2c and c2c online payment times "password card is not activated"?

This is because you have not activated the password card. After applying for the password card, you only need to log in to the personal online bank and complete the process of activating the password card synchronously, and you can make online payment without other operations. The status of the password card can be inquired through "Customer Service".

I lost my electronic bank password card. What should I do?

If your e-banking password card is accidentally lost, you can apply for a new card at ICBC outlets with your valid certificate and online banking registration card, and the old card will be invalid when applying for a new card. If you can't apply for a new card at ICBC outlets for the time being, I suggest you log in to online banking, enter Customer Service-Personalized Customization and temporarily turn off the functions of "E-commerce" and "external transfer". After these two functions are turned off, you need to open them at ICBC outlets.

My electronic bank password card is damaged. What should I do?

If your e-banking password card is damaged, you can apply for a new card at the ICBC outlet with your valid certificate and online banking registration card, and the old card will be automatically invalidated.

The payment limit of password card can't meet my requirements. What should I do?

If you feel that the payment limit of e-bank password card can't meet your requirements, you can apply to become a U shield customer. U-Shield is a hardware encryption method with higher security level introduced by ICBC, and online banking transactions using U-Shield are not limited by electronic banking transaction limits.