You can enter the certificate of Agricultural Bank of China,

Security and convenience have always been a contradiction, so it is more suitable for online banking. I have used the online banking of ABC for several years, and I love her more. Occasionally diving in Haikang, I dare to tell you some experience today, which is also aimed at helping you make good use of the online banking of Agricultural Bank of China and facilitating your economic and financial life. As for learning knowledge, I think learning is better than scolding-if this scolding is because you don't understand. Therefore, this post does not accept your abuse, please respect yourself. You should read the manual carefully before you do anything. As the saying goes, "if a worker wants to do a good job, he must sharpen his tools first" and "sharpen his knife without cutting the firewood by mistake". I have read many home pages of online banking, and the documents are very rich and detailed. Unfortunately, many students here are poor in knowledge and never read other people's documents in advance. How can we make good use of other online banking? The goal of any bank's online banking is that anyone who wants to access the Internet can use it. Unfortunately, not everyone who can swim dares to float on the Yangtze River. There is a gap between banks and customers, and everyone should work hard. 1. Registration stamp 1. You can log in to the online banking of ABC with your bank card, but the function is very limited. You can only do transactions such as balance and detailed inquiry. Agricultural Bank of China calls it "card number login" for corporate customers. But remember, for security reasons, the password you use when logging in is the inquiry password of the bank card-not the payment password you use when withdrawing money-if you happen to set these two passwords separately. 2. You can also log in with a nickname, which is the so-called "customer name login" for public customers. But the function is still very limited. If you want to be a professional, you have to register with a certificate. 3. You need to bring your ID card, registered passbook or bank card (debit card or quasi-credit card) when you apply for a certificate. You need to use the online banking channel password when registering. Please remember this password! Because you will need this password when you come to the outlet to add, modify or delete your account. Setting this password can prevent the teller from committing crimes internally and tampering with your online banking registered account information. If you forget this password, you need to report the loss and reset it, which is a very time-consuming and patient thing-this is also a reason why many students abuse the online banking of ABC. 4. After the certificate is registered, the bank will provide a password seal with "authorization code and reference number" (hereinafter referred to as "two codes"). Remember, this password seal is valid for 14 days. Many people ask why there is such a deadline. In fact, it is very simple, and this is also to protect the security of your registration information. In the "two yards", it should be noted that there is only the number 0 without the letter O; There are only numbers 1, and there are no letters I and L. If you can't read 8 and B clearly, you can only blame the printer, but you will know if you try again. If you haven't downloaded the certificate for more than 14 days, or need to reissue the QR code to download a new certificate, you need to bring your ID card, previously registered card or passbook (mainly used to swipe the magnetic stripe, and employees are not allowed to manually enter the account number or card number when registering online banking of ABC). Don't say I didn't remind you, and stop sulking about going there. 5. If you don't need USB-key, you must use password card for certificate registration, which is also to protect your own funds. The password card uses a password matrix. As long as you keep it well, it is very safe. Second, make and save the certificate 1. To download the certificate to USB-KEY(K) by "two codes", you must first install the corresponding driver. In the relevant page of "Certificate Download", there are detailed and clear tips. 2. Enter "two codes" on the download page, and press "OK" and "Yes" until you choose a storage medium-one is IE certificate storage area and the other is USB-key (Ktreasure), and make a choice according to your own situation. It is necessary to talk about USB-key (KBao) here. Although its interface is USB standard, it has a built-in micro smart card processor. It may be cracked in theory, but it is almost impossible to encrypt, decrypt and digitally sign online data by using 1024-bit asymmetric key algorithm in practice. For example, Professor Wang Xiaoyun of Shandong University successfully cracked MD5, which is the achievement in the laboratory and has a little impact on reality-although the MD5 algorithm has been abandoned in application. It should be said that USB-key (KBao), as the carrier of online banking certificate storage and digital signature, can reassure students technically. This is one of the reasons why banks will advise people to spend tens of dollars to buy this thing-because it is the highest security level at present. Have already bought a house, but still reluctant to buy a good lock? 3. If you choose to save to IE, your best way (and necessary) is to export your certificate as a. pfx file and back it up in a different place (pay attention to the word "different place", for example, you can back it up in the cork of the third bed board under the U disk). If your computer is broken and needs to be reinstalled, you just need to import this file again. However, it should be noted that the "export private key" option must be checked when backing up, otherwise it will become an empty shell when importing later-there is no private key. Many students attribute this problem to ABC, which is wrong, because IE is designed in this way. When importing, it is recommended that you set it to strong protection. Although you have to enter the password every time, you will feel much more at ease when others use your computer-without this password, it is impossible for them to export. In addition, pay attention to setting an 8-bit certificate protection password mixed with English and numbers when exporting, and keep it in mind. In this way, even if someone steals your file, he still needs time to crack the password. I have always believed that safety awareness is much more important than safety measures. No matter how strict the measures are, it's useless to be safe if you don't pay attention to them yourself. 4. If you choose to save to a USB flash drive, remember to set a protection password, preferably a mixture of English and numbers. Certificates stored in USB key do not need to be exported. The private key is in the USB flash drive, so you can take it out and take it with you. I found that vista system doesn't seem to support downloading ABC's online banking certificate. Therefore, students can download certificates from computers of other systems (such as XP and 2000) and use them on vista. Three. Log in to online banking 1. If it is an IE certificate, you can see an online banking certificate number of 1 1 in the Internet Options-Contents-Certificates, with a "."in the middle to indicate the number of times you have updated it. If you want to export a certificate, just select it. 2. If you use USB-key, if you install the driver, you will get an error similar to "Certificate Required" when logging in to the Times. Tell the students a way: Please enter from the Start menu, and open "China Agricultural Bank Online Banking Certificate Tool Software"-"China Huada"-"CSP Tool" to see if there is a list of equipment codes. Then click the "Certificate Operation" tab to view the certificate. If the "container" appears and there is corresponding certificate information below, it means that the certificate is also available. Then you just need to "register the certificate", close all IE pages and log in again, and you can usually find the certificate. If you look at IE's certificate again, you will see your certificate number. 3. Select "Certificate Login" to log in to online banking of ABC. Fourth, use the article 1. You need to enter your certificate protection password when logging in. Remember, you only have six chances to make a mistake. After more than six times, your USB flash drive (KBao) will be locked (not scrapped, it can be initialized for reuse, and you need to go to the counter to reissue two codes and download again). This is also to protect your funds. 2. If you log in to the online banking and exit, and all IE pages are not closed, then you don't need to choose a certificate and enter a password next time you log in. Everyone who knows technology knows that this is because of page conversations. However, if you unplug the USB flash drive, you'd better remember to close all IE pages, but to do some financial transactions, you need to read the USB flash drive in real time, so don't worry too much. Many students are tired of entering the protection password at every important transaction step in ABC. As I said at the beginning, safety and convenience are contradictory. I think it is the responsibility of the bank to protect your transaction. Because you think it's no trouble to reopen the door every time you go in and out. Reasonable, safe and detail-proof. 3. Similarly, if you don't do anything for a certain period of time, the login session is over. If you operate again, you will be prompted to log in to online banking again after the operation expires. 4. Remind students not to use online banking on public computers as much as possible (not only for ABC, the reason is self-evident). If you really want to use it, you should also check the computer security environment and try to log in with a USB flash drive. If you are a financial person, remember to get into the habit of unplugging USB-KEY(K) after the transaction. As long as your USB flash drive (K) is online, you should believe that Trojan virus is powerful enough to accomplish what you think is impossible. 6. several important transactions a. transfer. If you transfer money to another bank, you need your bank to handle it manually, so there is a delay process, which China Agricultural Bank calls "landing", which corresponds to "real-time" transactions. However, if you transfer money to another bank in a few days, it will be handled in real time. Payee management. First, we should pay attention to grouping the recipients, so that we can quickly locate the accounts to be transferred among a large number of customers; Second, it is very important to input elements, such as "line type" and "province type", and the name of "account" must be accurate (including spaces), because the account name must be compared in the background database (only ABC account). The two elements of "city where you live" and "bank outlet" can be roughly entered if you transfer to the Agricultural Bank account, but if you want to transfer to other banks, you must enter them accurately, because after the outlets are manually processed, some businesses need to change tickets, just like the address is unknown. How can I give you the letter? B. Fixed service. If you use a debit card, you can open the unused funds under the debit card in the form of a sub-account for a fixed period. Is it convenient? However, when you close your account regularly, you must calculate the time. You can't just calculate the maturity date of time deposits, because the bank background has to do day-end processing, and the bookkeeping date is not necessarily Beijing time. It is best to postpone closing your account until the next morning, otherwise your term will be regarded as a current account. What a pity! C. roaming remittance. Just fill in the payee's name, amount and password to generate roaming remittance service. You or your classmates can pay to the ABC account at any branch of ABC or online banking through your roaming number and password. Convenient again? But be sure to keep the roaming remittance information well. D. credit card. You can maintain your own credit card, check the statement, transfer repayment and arrange repayment on the online banking. Only the inquiry password of credit card can be modified here, and the payment password needs to be modified at outlets or ATM machines. E. online payment. According to the payment function opened in your area, it is easy to realize various payments. F, open-end funds. Let's not talk about functions. However, we should pay attention to several issues. First, ABC's fund trading hours are the same as those of securities institutions. Many students are dissatisfied with this, and financial transactions are just easy, but I also think that the inquiry function should support at least 24 hours; Second, fund card exchange. If your previous debit card has purchased funds and has not been redeemed, please remember to exchange cards here after you get a new card at the counter. At present, ABC's funds include market inquiry, fund information inquiry under account, subscription (subscription), redemption and fixed investment. Although there are some time constraints, it is obvious to all that the types of funds that ABC can choose are very rich. Many types of funds are quite good. G. personal information management. One is to modify the account password. You can modify your payment password and inquiry password. The so-called password inquiry is dedicated to corporate customers of online banking and telephone banking. The second is the renewal of customer certificates. The online banking certificate of ABC is valid for two years. After two years, you need to re-apply for the "second code" to download. So before the expiration, you can regenerate the "two code" here, and then follow the process of downloading the certificate mentioned above. However, it should be noted that once the "two-code" is generated, the original certificate will be invalid, and. The pfx file you exported last time cannot be used after import. So after downloading the new certificate (1 1 bit certificate number remains unchanged, and only the number of updates is accumulated in the end), be sure to re-export the new certificate. Pfx file and save it in a different place. H, remember to use, it is best to press the "exit" button to end the session, use USB-key, and remember to unplug it. First, troubleshooting: firstly, the security level of IE should not be set too high, and the "default level" is the best, otherwise it will prevent the loading of ActiveX controls, which will lead to the signature error of financial transactions: for example, you can query the balance, but you can't transfer money, so you only need to "reset the browser settings" and set the security level to the default, and finally reinstall the client program to solve the general login problem; The second is to check whether it is immune. I have seen it once, and the Agricultural Bank of China is immune to online banking. You can use the upiea tool to find out. The third is the conflict between Thunderbolt plug-in and ABC online banking. I have to disable it in the "Management Plug-in" to work properly, so I can't download things with Thunder. Fortunately, I always use flashget. Fourth ..... I didn't expect it for the time being. Students are welcome to add it. 5. Online shopping 1, voucher payment. All students who have registered the online banking certificate of Agricultural Bank of China can use the "Agricultural Bank Certificate" to realize online payment. The advantage is that it is not limited by the amount and frequency, and it is very safe. 2. Pay by electronic payment card. Cardholders of Agricultural Bank of China can realize online payment in this way. But there are restrictions (it seems that a single transaction does not exceed 200, and the daily cumulative does not exceed 200). First, apply for an electronic payment card. Click "E-commerce" and "Customer Login Area"-Electronic Payment Card on the homepage, enter the card number and inquiry password, and enter the management page of electronic payment card. If you use a debit card to log in, you should pay attention to "CVD 2"-also called the card record number, which is a three-digit Arabic numeral and recorded at the bottom of the card surface. If you log in with a quasi-credit card, you should pay attention to the 4-digit validity period on the card surface. Secondly, use electronic payment cards. After the application for electronic payment card is successful, a series of numbers will be returned, and you can use these numbers to complete online payment within the time limit. Unfortunately, online banking of Agricultural Bank of China does not support online payment by credit card. I hope I can support it in a few days. Remember to take care of your bank card and card information-don't let your bank card leave your sight, even if you are using it. Occasionally, I will hear some students say that their bank cards are used by bad people to make online payments, such as buying game coins and Q coins. I can only say that these students are too careless-I am a person who can't even throw away the receipt. If I lose it, it will break into pieces. Take the bank card holders of Agricultural Bank of China as an example. There are several essential elements for handling electronic payment cards online: query password (which the bad guys may know) and ID number (well, the bad guys also know? If you know, it's people around you and people who come into contact with your sensitive information), card information: CVD2 code or expiration date (well, if the bad guys peek at your information maliciously, you will die soon). It is precisely because electronic payment cards are more risky than voucher payment that they have been processed within a time limit. It's a pity that some students scolded me here, but if these students' information was stolen by bad people and their funds were stolen, but because of the protection of quotas and time limits, the loss was not great, maybe he wouldn't curse so loudly. 4. When paying from the B2C website, click on the LOGO of ABC, and the page will guide students to the payment page of ABC. At this time, turning left is "voucher payment" and turning right is "electronic card payment". Follow the signs to avoid kicking a big fly ball. 5, the heart of the harm is indispensable, and the heart of the prevention is indispensable. Online shopping, originally a trap and convenience, risks and fun to enjoy * * *, more security awareness, we can really sit back and relax, handy. To extend it, it is not only the online banking of ABC, but also the Internet. 6. Welcome to discuss with the students at the end. The use of online banking is to facilitate our lives, not to bind them; It is to learn new financial tools, not to stand still. Online banking is a new product for Chinese people, and its development and growth can't be separated from everyone's love, and of course it can't be separated from attracting jade. Just, don't throw me away, code word, it's very tiring-I haven't written so many love letters:) From the bank's point of view, the first thing is to ensure the safety of customers' funds, and the second is convenience-no bank wants to set up a system to let customers' information and funds drain. From the standpoint of users, generally speaking, convenience is the first and safety is the second. It's hard. Actually, it's hard to find a balance. It is better to be convenient and safe. Believe in ABC, believe in ABC's online banking, it must be developing in this direction-we will wait and see. I have written so hastily and carelessly, and my level is limited. I may not have said what I want to say, but I hope this article can help students who love online banking of ABC.