If the USB shield is infected with a virus on the computer, will it affect the security of online banking?

Will not be poisoned.

U-shield is indeed very safe, but it is not omnipotent. Now there are software that can control your computer, which is equivalent to controlling the computer remotely. There is also software that can modify your online banking remitter account to achieve the purpose of deceiving U-Shield remittances.

So even if you use U-Shield, you must develop good habits. Take it off quickly when not in use to prevent Trojans from remotely controlling your computer to complete transactions.

U-Shield password is 8 digits, mixed with letters and numbers.

In addition, USB-Shield is a smart tool. For example, the USB-Shield of Industrial and Commercial Bank of China stores the certificates of CITIC Bank and Alipay, which is very convenient to use. Can the USB shield of online banking be plugged into the computer all the time?

The USB shield can always be plugged into the computer

But the prerequisite is that the computer belongs to your home

If it belongs to the company, I advise you not to plug it in

It is not good if the USB shield is lost. Nowadays, online banks have USB shield, but is the USB shield really safe?

In theory, any encryption method cannot be said to be absolutely safe, but for ordinary people Generally speaking, U-shield is safe enough and can be trusted. Is it safer to use U-Shield for online banking?

Yes, 1. What is U-Shield? U-Shield is the customer certificate USBkey launched by ICBC in 2003 and obtained a national patent. It is provided by ICBC for you. High-level security tools for online banking. It looks like a USB flash drive and acts like a shield to protect the safety of your online banking funds at all times. From a technical perspective, USB-Shield is a tool for electronic signatures and digital authentication in online banking. It has a built-in micro smart card processor and uses a 1024-bit asymmetric key algorithm to encrypt, decrypt and digitally sign online data to ensure Confidentiality, authenticity, integrity and non-repudiation of online transactions. 2. Why choose to use U-Shield ● Transactions are safer With U-Shield, you no longer have to worry about various risks such as hackers, fake websites, and Trojan viruses when handling online banking services. U-Shield can protect the safety of your online banking funds. When handling external payment services of online banking, customers who use login passwords and payment passwords need to protect their card numbers and passwords. They need to ensure that the computer used to log in to online banking is safe and reliable, regularly update anti-virus software, download patches in a timely manner, and do not open them casually. Avoid unidentified programs, games, and emails, and maintain good Internet habits; if you can't do it completely, don't worry, using U-Shield is your best choice, as long as your login card number, login password, U-Shield and U-Shield You can use online banking safely without your password being revealed to one person at the same time. In addition to USB shield, ICBC has also introduced a series of security measures: alias login (a customized login method that is different from traditional account login), dual password control of login password and payment password, and payment limit control to ensure that customers Security; identify and prevent counterfeit bank websites through website verification, website certificate verification (click the "encryption lock" icon on the lower right foot of the ICBC website), and reserved information verification. ● Payment is more convenient. With U-Shield, you no longer need to be restricted by various payment limits, and can easily realize large-amount transfers, remittances, payments and shopping online. ● More comprehensive functions. With U-Shield, you can sign a personal financial management agreement through online banking and enjoy our bank's unique financial management services. ● More services. With U-Shield, you can also connect ICBC U-Shield to your Alipay account, and use U-Shield to authenticate your Alipay login behavior, thereby ensuring the security of your Alipay account funds. In order to help netizens prevent online payment risks and promote the development of the e-commerce industry, the Industrial and Commercial Bank of China cooperated with Alipay, a subsidiary of Alibaba, and jointly launched a digital certificate exclusive project. After connecting the ICBC U-Shield to the Alipay account, the customer must insert the ICBC U-Shield to log in to Alipay before making payments, cash withdrawals, recharges, etc. Customers who do not use the ICBC U-Shield to log in to Alipay can only perform query operations. Therefore, Alipay customers only need to connect the ICBC U-Shield. Even if the account number and password are accidentally leaked, as long as the ICBC U-Shield is in hand, the account funds can still be "sit back and relax".

3. Application and use of U-Shield As long as you are an ICBC personal online banking customer, you can apply for U-Shield at an ICBC business outlet with your valid ID and the Peony Card used when registering for online banking. There are three steps to use U-Shield: Step 1: Install the driver. If this is your first time using Personal Internet Banking on your computer, please refer to the ICBC Personal Internet Banking System Settings Guide to first adjust your computer settings and then install U-Shield. Drivers, drivers of different brands of USB shields can only be used for this brand. If you want to use a CD to install, please execute the USB shield CD and select "System Upgrade" on the main installation page. The system will automatically detect and prompt you to install the patch. After installing the patch, please select "Driver Installation" to install the USB shield driver. Step 2: After downloading the certificate information and applying for U-Shield, you can entrust the teller at an ICBC branch to assist you in downloading the personal certificate information into the U-Shield. You can also log in to ICBC Personal Online Banking and enter "Customer Service - Self-Service Download of Personal Customer Certificate" to complete. Certificate information download. Before downloading, please confirm that the USB shield is connected to the computer USB interface. If the download is unsuccessful, please go to the counter to handle it. Step 3: Use U-Shield happily. After logging into personal online banking, if you need to handle transfers, remittances, payments and other external payment services, just follow the system prompts to insert the U-Shield into the USB interface of your computer, enter the U-Shield password, and go through the bank Once the system verification is correct, the payment business can be completed. 4. Price of USB shield Product model certificate price Goldpac GEMPC KEY (16K) 76 yuan G&D STARKEY 100 (32K) 76 yuan Huahong BHDC USB (16K) 60 yuan BHDC USB (32K) 68 yuan Remarks: Various types of USB Shield products have the same functions. This table is a reference price, the latest price shall be subject to the website announcement. 5. U-Shield Maintenance ● U-Shield Update The service period of the U-Shield certificate file is five years. One month before the service expires, the ICBC online banking system will prompt you to update the certificate to extend the service period of the certificate. You can follow the steps below: ● USB-Shield password You can change the password immediately at the bank counter after applying for the USB-Shield, or you can use the supporting certificate tool software to change the certificate password. You can also log in to personal online banking and go to " Modify the certificate password in Customer Service-Personal Certificate Management-Personal Customer Certificate Password Update". If you forget your USB-Shield password during use, you can bring your USB-Shield, online banking registration card and your valid ID to an ICBC branch to reset your password. If you enter the wrong USB-Shield password more than six times in a row when using online banking, the system will lock the certificate. You also need to bring your USB-Shield, online banking registration card and your valid ID to an ICBC branch to reset your password. ● Reporting the loss of U-Shield If you accidentally lose the U-Shield, to ensure the security of your online banking account, please immediately go to an ICBC branch to apply for freezing the U-Shield. Is China Merchants Bank's online banking u-shield safe?

The security of online banking is achieved by the simultaneous maintenance of the client and the bank. China Merchants Bank’s website has received security certification from the world’s most authoritative VERISIGN company. The data transmission of online banking business uses advanced multiple encryption technology. All data is encrypted and transmitted online, making it safe and reliable. The professional version of personal banking adopts a strict X.509 standard digital certificate system and has passed national security certification. Use digital signature technology and certificate-based strong encrypted communication channels to ensure the security of customer identity authentication, data transmission, and password input.

In addition, the current root cause of financial cyber crimes is theft of customer account numbers and passwords. Although the bank has taken various security measures to ensure the security of the bank's transaction system, the custody of your account number and password also depends on your security risk awareness and behavior. Please do the following:

( 1) Do not enter bank account number, password and other information on unknown websites to avoid personal information being stolen by phishing websites or Internet Trojans.

(2) Do not use online banking in public places such as Internet cafes and libraries to prevent others from stealing account numbers and passwords through video recording and keyboard monitoring devices.

(3) Update anti-virus software and firewall in a timely manner. After each use of online banking, promptly exit and pull out "You KEY".

(4) When conducting transactions through other channels (such as ATM withdrawals and self-service terminal logins), pay attention to the protection measures for password input to prevent others from stealing your account number and password through video recording and other methods.

(5) Do not disclose your user name, password or any personal identification information to others.

(6) If there are any changes to your personal information (for example, changes in contact information, address, etc.), please modify the relevant information through the banking system in a timely manner.

(7) Check your transactions regularly and check the statements.

(8) If you encounter any doubts or questions or unknown websites, please contact our bank "95555-National Unified Customer Service Hotline" in time.

Is it safe to use online banking without installing USB shield?

If you don’t install a USB shield, you still need a security card, certificate, etc., which are actually safe, but you have to be careful when logging into the account page. Generally, you need to enter the account password, which is in the address bar. They are all at the beginning, remember there is an S, which is for general web pages, and pay attention to whether there is a security lock pattern in the lower right corner of the web page, so that the account is protected and you will be fine! I have been using it for several years and nothing has happened. The most prudent method is to enter the account and password casually when you are asked to enter the account and password. If it is a phishing website, just log in. The formal one is of course the account or password. Wrong, Alipay needs our own attention in this regard. I hope these experiences will be helpful to you. Is online banking safe? Can online banking still be used if there is a virus or Trojan on the computer?

Bank of China online banking has a dynamic password, which is completely independent of the computer and is very safe. Although you can use it with confidence, it will not be poisoned. Haha Is it enough to just use U-Shield to ensure the security of online banking?

Yes No problem. Please feel free to use it because at least no customers have experienced unsafe problems because of this. . This is the bank's guarantee of strength and credibility. Is it safe to use U-Shield for online banking?

If U-Shield is still stolen, first of all, it is definitely because the online banking password and U-Shield password are known to others. Secondly, there are only two situations due to hardware factors: < /p>

One is that the U-shield hardware has been stolen. For example, if you plug it into the machine, but you are not here, and someone sees it, this person happens to know the two passwords above.

The other is that the machine is controlled remotely. For example, if there is a Trojan horse or remote control software, the owner is in front of the machine. In this case, the householder can find that the machine is moving around abnormally. Generally, people will be vigilant in this situation and will not tolerate funds being stolen.

Another way is that the amount on the payment page is obviously wrong, and you didn't pay attention. After paying, you find that the payment amount is not as expected, and you mistakenly think that it was stolen. This is the least common case, but there are people who are really fooled, and it happens on Taobao.

As long as individuals pay attention to some things, they generally won’t fall into the trap. I tried a fake website with a virus and it was fine. The security of online banking

Hello, our bank’s online banking uses the ActiveX control component to enter the password. When a personal online banking customer logs in through the control component for the first time, there will be a process of downloading the control component on the login page. The customer only needs Download the control component once and then visit the login page later. The control component will be enabled directly on the local machine without the need to download it again. The ActiveX control component uses the underlying functions of Windows to capture keyboard events before the hacker program, so that the hacker program cannot obtain the user's password, thus greatly improving the security of online banking.

In addition, our bank’s online banking system has multiple layers of security, including online banking technical security and business security. Together, they form a complete online banking security system, which can effectively prevent illegal intrusions by hackers and protect the security of customer funds.

a. Technical security: The technical security of online banking includes two aspects: network security and transaction security. Network security ensures the safety and reliability of our bank's website, and transaction security ensures the safety of customers' funds when they conduct transactions through online banking.

b. Business security: Our bank has a sound internal teller operation and management mechanism to ensure the safe development of various online banking businesses.

c. Unique security advantages: Our bank took the lead in adopting two unique security technologies in China: secure client and customer certificate, making personal online banking reach enterprise-level security levels.

It uses personal certificates with physical media to establish a personal certificate authentication system based on public key (PKI) technology. Through personal certificate authentication and digital signature technology, it can implement identity authentication for customers' online transactions and can sign various business service agreements. , ensuring that transactions and agreements are unique, complete and undeniable.

In addition, please pay attention to the following points to further ensure the security of your online banking:

1. When accessing the ICBC website, please directly Enter the URL to log in. It is recommended to add the ICBC website address to the "Favorites" of the browser and do not use hyperlinks to access the ICBC website indirectly.

ICBC website address::icbc..

ICBC personal online banking address::mybank.icbc..

2. Be careful to identify fake websites. If there are If you have any doubts, please contact us immediately by calling 95588 or webmaster@icbc..

3. After logging into the ICBC website, please carefully check the certificate information corresponding to the padlock icon on the status bar in the lower right corner of the browser:

Issued to: mybank.icbc. .

Issued by: verisign./CPSIncorp.by Ref.LIABILITY LTD.(c) 97 VeriSign

Validity period: Check whether the security certificate is within the validity period.

Protect account and password:

1. Do not tell others your account number and password at any time and under any circumstances; do not trust anyone who asks for it via email, text message, phone call, etc. Card number and password behavior. If you have any doubts, please contact us immediately at 95588 or webmaster@icbc.. If you have provided your online banking password to an unknown person or website, you must immediately log in to online banking to change your password, or go to the counter to reset your password.

2. Choose a password that is difficult to guess so you won’t be guessed.

3. Set a special password for your online banking, which is different from the user name and password you use in other situations (such as other online services, ATMs, passbooks and bank cards, etc.). Avoid the leakage of other passwords due to the loss of one password.

4. Set your online banking login password and payment password for external transfers to different passwords for multiple verifications to ensure the security of your funds.

5. Do not store your passwords on your computer. Do not write your password on paper or card. Change your password regularly.

6. Check whether the "last login time" on the welcome page matches the actual login situation, so that you can detect abnormalities in time.

Reserved verification information:

In order to help you effectively identify fake websites, starting from October 30, 2005, our bank provides free reserved information verification services. The "Reserved Information Verification" service is a service measure specially launched by our bank to help you effectively identify the ICBC website. After you set up your personal online banking reservation information, if you make online purchases on a third-party website and use our bank's online banking to pay for goods, our bank will echo your reserved information on the payment page so that you can verify whether it is authentic. ICBC personal online banking. You should pay attention to keeping the information you have reserved, and do not provide the reserved information to any other person, other website, phone call or text message except for use when handling business at ICBC, so that we can work together to protect your account funds. Safety.

Ensure computer security:

1. Download and install the control component provided by ICBC to protect client security to protect your card number and password from being stolen.

2. Regularly download and install the latest operating system and browser security programs or patches.

3. Modify the hosts file on your computer to read-only.

4. Install a personal firewall. Can prevent hackers from breaking into your computer.

5. Install and update anti-virus software in a timely manner. Develop the habit of regularly updating your anti-virus software to prevent new viruses from invading.

6. Do not open emails from unknown sources.

Other protection measures:

1. Do not use online banking in public places (such as Internet cafes, public libraries, etc.) because you have no way of knowing these computers Whether there is any malicious monitoring program installed.

2. Set a password for the computer you are using to prevent others from accessing your information without authorization.

3. After each use of online banking, do not just close the browser, please click "Log out" in the upper right corner of the page to end the use.

4. Do not disclose your username, password or any personal identification information to others.

5. Store your bank information properly and check it carefully. If you have any doubts, please notify us immediately.

6. If there are any changes to your personal information (for example, changes in contact information, address, etc.), please notify us as soon as possible.