Is mobile banking the same as SMS banking?

Mobile banking is the abbreviation of using communication networks and terminals to handle banking business. Using a bank app on a mobile phone and using a web page to handle banking business are all mobile banking.

Short message banking refers to the electronic banking business in which customers edit the short message service number in a specific format to the bank, and the bank handles related business for customers according to its instructions, and informs customers of the transaction results in the form of short messages.

Under the same identity document, the charges for opening SMS banking service with UnionPay cards of the same bank are no longer superimposed. The specific charges may vary from bank to bank.

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Brief introduction of mobile banking

Mobile banking can also be called mobile banking service, which is the abbreviation of using mobile communication networks and terminals to handle related banking business. As a brand-new service combining electronic money and mobile communication, mobile banking not only enables people to handle all kinds of financial services at any time and any place, but also greatly enriches the connotation of banking services, enabling banks to provide traditional and innovative services to customers in a convenient, efficient and safe way.

Brief introduction of SMS bank

Short message banking refers to the electronic banking business in which customers edit the short message service number in a specific format to the bank, and the bank handles related business for customers according to its instructions, and informs customers of the transaction results in the form of short messages.

Mobile banking security means

Mobile banking is unfamiliar to most users. How to prevent risks in mobile banking? According to reports, mobile banking pays more attention to security settings while realizing fast financial services.

Take Shanghai Pudong Mobile Banking as an example. It has the function of identifying mobile phone numbers, which is equivalent to adding a key to open the mobile banking held by customers. Without the customer's mobile phone number, it is impossible to log in to mobile banking with the corresponding identity, which greatly improves the security of mobile banking. At the same time, mobile banking will display the customer number for identity confirmation after the customer logs in to avoid phishing. Shanghai Pudong Development Bank also separated the login password of mobile banking from the payment password, and set up two safety nets for transactions.

In addition, when the query password set by the user is too simple, the system will automatically prompt the user to modify the password.

Other banks' mobile banking also have their own ingenious ways to prevent risks. For example, ICBC mobile banking requires a dynamic password card in addition to the password when transferring money; However, the accounts of mobile banking users of China Merchants Bank will only be partially displayed on the screen, which can reduce the risk of account leakage caused by using mobile phones in public or being stolen.

Brief introduction of SMS banking business

Short message banking refers to the electronic banking business in which customers edit the short message service number in a specific format to the bank, and the bank handles related business for customers according to its instructions, and informs customers of the transaction results in the form of short messages. Take the SMS Bank of China Everbright Bank as an example:

1. Customers can edit short messages in fixed format with their mobile phones and send them to 95595 to inquire about relevant account information.

2. Edit "?" Send it to 95595 to get the menu of common functions of SMS banking.

reference data

Baidu encyclopedia SMS bank

Baidu Baike Mobile Banking