What is the difference between ICBC messenger and SMS authentication?

ICBC Messenger sends a message to your mobile phone whenever your balance changes. So that you can know that change information of your account balance in time. But you can't stop the last transaction.

SMS authentication is to send an authentication message to your mobile phone whenever you transfer money through online banking (online banking only). You can't transfer your money until you enter the authentication information on the computer, which can effectively prevent the risk of losing your password card and U shield.

PS: If you lose all your online banking passwords, thieves can see your balance and the details of one year clearly, and can help you buy and sell funds at will, and even care about modifying a messenger? Or would you like to enter the password card coordinates every time you check the balance? Security has gone up, but convenience has dropped a lot.