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The handling and use of online banking (taking the online banking of China Construction Bank as an example) is my experience, and I hope to help netizens in need.
First, how to handle online banking
Bring a valid ID card (I need to do it myself, and the bank is not allowed to act as an agent) to the bank counter to sign an account for online banking. If you already have a bank account, you can use your existing account to open online banking. If not, you need to open a new account. If you have multiple accounts, you can add other accounts as online banking (also in the bank).
There are two kinds of online banking:
The first is online banking using dynamic password cards.
This kind of online banking has no U shield. When you register at the counter, the bank will give you a password card with 30 electronic passwords, which can be used 28 times each time (the last password is the first password used to connect to the next password card and cannot be used for transactions). When the password card is used up, you should go to the bank to buy a new password card, each card is 3 yuan. After you register with the bank, you must activate it online to use it. When you activate, you need to install a digital certificate instead of a driver.
The second is to use U shield's online banking.
After signing the online banking contract at the counter, the bank will give a UKey user tool (generally called U shield, which is a U disk), a CD, and an UKey installation manual for online banking (some may only have U shield). CD-ROM is used to install drivers. Double-click the CD-ROM drive to install it. Before use, it is recommended to read the UKey Installation Manual for Online Banking, which will guide you how to install UKey user tools, download security certificates to UKey and some common online banking operations.
The functions of the UKey user tool specifically include:
A) password modification, system detection and UKey name modification.
B) Display the certificate, register the security certificate manually, and cancel the security certificate manually.
Second, the use of online banking
After completing the formalities at the counter, you must activate online to use online banking. The activation process is as follows (take online banking of CCB as an example): log in to /V5/index.html# and you will see the following line: Welcome to online banking service of CCB, please click "Enable online banking service". Click "Open online banking service" to enter the activation program. You need to enter the nickname and password of the activation program.
CCB Online Banking also provided a simulated "Demonstration of Online Banking Function" (address: /V5/demo/ webpage _ demo/pre _ demo.htm). As long as you enter the online banking function demonstration, you can practice the use of online banking.
(1) Nickname. Give your online banking a personalized nickname, so you don't have to enter a series of digital bank accounts when logging in to online banking in the future. You can log in by entering a nickname.
(2) Login password. This password is used when logging in to online banking. After logging in, you can view the account balance and transaction details.
(3) the transaction password. Transaction password is required for online banking transfer payment.
(4) electronic password. After entering the transaction password, you must also enter the electronic password for the transaction to succeed.
(5) registration certificate. There are two kinds of registration certificates: automatic registration and manual registration. If the computer system cannot be registered automatically, it must be registered manually.
To register a certificate in IE:
A. Open IE browser and click Tools → Internet Options → Directory → Certificate. The "Personal" column is blank, and no certificate is displayed, which means that you have no registration certificate. Please register a digital certificate.
B, open IE browser, click Tools → Internet Options → Content → Certificate, double-click your certificate and click the General button. Found that "Windows does not have enough information to verify this certificate." Indicates that you have not registered the root certificate of the digital certificate. Please register the root certificate of the digital certificate.
C, open IE browser, click Tools → Internet Options → Content → Certificate, double-click your certificate and click the General button. Found that "certificate information" shows: "This certificate has expired or has not yet taken effect." It means that your certificate may have the following errors: ① The certificate has expired, and the validity period of the certificate can be viewed by displaying the certificate function. If it has expired, please call 95533 or consult how to update the certificate at CCB outlets; ② Your computer system time is not within the validity period of the certificate. Please check whether the computer system time is correct.
After the above operations are completed, you can log in to/app/V5/cn/sty1/login.jsp to use online banking. In use, in addition to the above nicknames and passwords, there are two additional codes in the webpage, which are input during login and transaction respectively to prevent malicious programs from cracking online banking passwords. You must insert a U shield when trading, otherwise you cannot trade. If in doubt, you can click "Help" in the U shield to find a solution. When logging in for trading, it is recommended to use the soft keyboard provided by the webpage to enter the password, so even if a Trojan horse can copy the password, don't be afraid, because the layout of the numbers on the soft keyboard is different every time, and copying is useless.
After logging in to online banking with user name and password, customers who use U-Shield need to insert U-Shield into the USB interface of the computer, enter the U-Shield password, and complete the payment business after multiple verification by the banking system. If the customer accidentally reveals the user name and password of online banking, as long as the U shield is still in his own hand, even if the U shield is lost but the password of the U shield is still in his own hand, no one else can steal the information. U-Shield can effectively prevent various possible risks such as fake websites, hacker theft and password leakage.
Although the registration and use of online banking is complicated and troublesome, it can ensure the security of online transactions.