What is an electronic password card?

Question 1: What is an electronic banking password card? Electronic banking password cards are much simpler than USB-Shield. Take your ID card/card to ICBC and get a password card for free. It used to be free, but I don’t know if it is free now. .A card can be used 999 times. Apply for another one after it is used up.

When you pay online, you will be prompted with two combinations of passwords. You can fill them in after you find them on the card. Your payment password can be used to complete the payment.

There is a flaw, that is, my password card is often placed somewhere, and I can never find it when I use it.

Problem 2: What is the difference between an electronic cipher and a password card? The transfer limit of an electronic cipher is relatively large!

The single payment limit for ICBC’s electronic cipher device is 200,000 yuan, and the single-day limit is 1 million.

If the online banking password card does not activate SMS authentication, the single payment limit is 500 yuan. The daily cumulative limit is 1,000 yuan;

The single payment limit for mobile phone SMS authentication for online banking password cards is 2,000 yuan, and the daily cumulative limit is 5,000 yuan

Question 3: How to use the ICBC electronic password card ? When you enter ICBC gateway payment, there will be a dynamic password input box. At this time, it will display a combination of letters and numbers, such as B2D3. If you take out the card and look at the back, you will find the intersection of B and 2. Scratch that square, for example, it is 111; then find the intersection of D and 3, scratch that square, for example, it is 222, then you fill in 111222 into the dynamic password box, and click OK. Paid.

Generally, after using the password card 1,000 times, you can go to the bank to get a new one, with a handling fee of 3 yuan.

Question 4: What is the relationship between the ICBC electronic cipher and the dynamic password card? For the electronic cipher you are talking about, you can check Baidu Qianke. In general, U-shield and password cards can only be used on domes, while mobile phones There is nothing I can do about payment, etc., this electronic cipher can do it. In fact, I feel that it is a combination of password card and USB shield. The password is randomly generated, and the security performance is really high.

Baidu General Address: baike.baidu/view/8693238#7

Question 5: What is the meaning of dynamic password card? 40 points Dynamic password is an unpredictable random generated according to a specific algorithm. A combination of numbers, each password can only be used once. Dynamic password authentication technology is considered to be one of the most effective identity authentication methods for users. The use of dynamic passwords has two main values: (1) Preventing property losses caused by account theft. (2) Units that use dynamic passwords do not need to endure the trouble of regularly changing login passwords for various application systems. The most mainstream currently is the hardware token based on time synchronization, which changes the dynamic password every 60 seconds. The dynamic password is valid once and it generates a 6-digit/8-digit dynamic number. Hardware tokens have been accepted by the market and are used by many manufacturers. 85 of the top 500 companies use hardware tokens internally.

Question 6: How to use the e-banking password card? In order to allow more customers to enjoy safe and convenient e-banking services, following the successful launch of "U-Shield", the Industrial and Commercial Bank of China has launched a new e-banking security Product - electronic banking password card.

1. What is an electronic banking password card?

The electronic banking password card is the latest electronic banking security tool launched by ICBC and is another line of defense to protect customer funds from loss. That is to say, as long as the customer keeps the password card in his hand, there will be no loss of funds. Even if the customer accidentally leaks the login card number and password, as long as he keeps the password card in the customer's hand, the login card number, login password, and password will not be lost. The security of customer funds can be ensured if the card is not obtained by the same person, allowing customers to use electronic banking more safely and with confidence.

There are a number of character strings printed on the password card in matrix form. When customers use e-banking for external transfers, B2C shopping, payment and other payment transactions, the electronic banking system will randomly give a set of password card coordinates. The customer finds the password combination from the card based on the coordinates and enters it into the electronic banking system. Only customers who enter the correct password combination can complete the relevant transaction. The password combination is valid once and becomes invalid after the transaction is completed.

2. Why use electronic banking password card

Electronic banking password card is a product launched by ICBC in order to meet the requirements of the majority of electronic banking users and taking into account security and cost factors. New e-banking security tools. Specifically, electronic banking password cards have different characteristics from static passwords and USB shields in terms of security, convenience and price, as shown in the table below.

Applicable customers, features, security mechanisms and price comparison of USB shield, password card and static password

Comparison of main online banking services enjoyed by various customers

Related transactions For details of the rules, please refer to the "Notice on Modification of the "Personal Online Banking Transaction Rules"".

3. Application and use of electronic banking password card

?Application for electronic banking password card

From August 10, 2006, if you have activated If you are doing online banking and have not applied for a U-Shield, you can apply for an e-banking password card at an ICBC branch with your valid ID and the Peony Card used when registering for online banking. If you have not yet opened online banking and do not plan to choose U-Shield, you can bring your valid ID to an ICBC branch to directly activate online banking and apply for an electronic banking password card.

When receiving a password card, you need to confirm whether the packaging film and coating of the password card are intact. The newly applied password card should contain the complete plastic packaging film and covering film as shown in the picture below. If it is damaged, you should request a replacement.

?Use of e-banking password card

After applying for the password card, when you use online banking for external transfers, B2C shopping, payment and other external payment transactions, as well as through online banking When applying for early withdrawal of time deposits, the electronic banking system will randomly give a set of password card coordinates. You need to find the password combination from the card based on the coordinates and enter it into the electronic banking system. Note: If you conduct B2C transactions for the first time after receiving the card, you must log in to online banking before you can use B2C transactions normally. For example: When you transfer money through online banking, the following information will appear:

Please scratch the coordinates of the electronic banking password card corresponding to A3 and B2 according to the dynamic password coordinates prompted by the system (for better To protect the security of electronic banking password card information, it is recommended that you only scratch the required coordinates of the electronic banking password card), as shown in the figure below:

After scratching the electronic banking password card, you only need to enter the dynamic password box in the dynamic password box. Enter the password corresponding to A3 and B2 in order: 136135 (without spaces in the middle), enter the verification code, and click Confirm.

Transfer transaction completed successfully.

?Daily maintenance of electronic banking password cards

The password that has been scratched on the password card can be reused, and each password card can be used 1,000 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 to query the card number, application date, number of uses, number of remaining uses and other detailed information of the e-banking password card. The e-banking password card can only be used by yourself. Please protect the card password properly to prevent others from prying, copying or taking pictures. If you accidentally lose your password card or the card information is leaked, please go through the card replacement procedures 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 you use to log in to online banking is safe and reliable, regularly update anti-virus software, and download patches in a timely manner. Open programs, links, emails from unknown sources...gt;gt;

Question 7: What is the bank dynamic password card? What is it used for? How to use it. 20 points is for online payment When necessary, each payment will require a specific password. This can protect the security of your account. Even if your account is stolen, you will not be able to pay without the password on the password card

If you don’t understand, you can click for help. I will be happy to answer your questions. Thank you

Question 8: How to apply for an electronic banking password card? Did you open online banking on the ICBC website? If so, this kind of independently opened online banking can only make inquiries and cannot handle other businesses.

I bring my ID card and bank card to the ICBC counter to apply for counter registration for online banking. You can get all the functions of online banking. Apply for a transaction password medium such as a password card or u-shield, and you can make external transfers or shop online.

Online banking is free and password card is free, but it can only be used twice a day, and the transaction amount is less than 500 yuan each time. U wear requires a one-time purchase of 68 yuan each. There is no limit on the amount and frequency, which is safer

Question 9: What is the initial password of the ICBC e-banking password card? The ICBC password card does not have an initial password.

The electronic banking password card is equivalent to a dynamic electronic banking password. There are a number of strings printed on the password card in the form of a matrix. When customers use electronic banking (including online banking or telephone banking) to conduct payment transactions such as external transfers, B2C shopping, and payment, the electronic banking system will randomly give a set of passwords. Card coordinates, the customer finds the password combination from the card based on the coordinates and enters it into the electronic banking system. Only when the password combination is entered correctly can the customer complete the relevant transaction. This password combination changes dynamically. The password entered by the user is different every time it is used, and it becomes invalid after the transaction is completed. This prevents criminals from stealing customers' passwords to steal funds and ensures the security of electronic banking.