1. Frequently asked questions about registration, login and logout:
1. How to register for personal online banking?
Currently, ICBC personal online banking supports self-service for users holding Peony Money Link Card, Peony Money Link Card - e-Age, credit card, credit card, Elite Club account card, RMB commercial card, Peony International Card and Hong Kong credit card. register. If you have never signed up for online banking, you have two ways to sign up. The service is activated immediately after registration.
Method 1: Log in to the homepage of the ICBC website, click "Register" on the left, and follow the relevant prompts on the webpage to perform self-service registration. After successful registration, online banking services will be activated immediately. If you need to conduct B2C transactions, please choose to activate the "e-commerce" function when registering, and then bring your valid ID and registered Peony card to the counter to apply for a password card or U-shield, and then you can pay (except for Hong Kong cards) .
However, after self-service registration, you do not have the permission to "outbound transfer" of online banking, and you cannot transfer or remit money to any other person's account or your own non-online banking registered account. If you need to activate this permission, please bring your valid ID and online banking registration card to an outlet that provides personal online banking services to apply for opening the "external transfer function" of online banking. Then bring your valid ID and registered Peony. Go to the counter in the account opening area to apply for a password card or U-shield, and then you can pay (Hong Kong credit cards cannot activate this function, and international cards cannot use the inter-bank remittance function).
Method 2: Please bring your valid ID (card opening document) and Peony Card to the counter of an outlet that provides personal online banking services to apply for registration. If you want to transfer money to any other person's account or your own non-online banking registered account or conduct B2C online shopping through online banking, please activate the "external transfer function" and "e-commerce function" of online banking, and apply for a password card or U-shield at the same time. Payment can be made only after that (Hong Kong credit cards cannot activate this function, and international cards cannot use the inter-bank remittance function).
2. "1207" error is reported when registering, and "7943" error is reported when logging in?
If the system returns a [1207] error when registering and a [7943] error when logging in, it means that you have used another Peony card to register for personal online banking. Please use the original online banking registration card number (or Login ID) and login password to log in and use personal online banking instead of registering again. If you forget your original online banking registration card and other registration information, please go to the counter at the local branch where you opened an account with your valid ID to apply for inquiry.
If you have already registered for personal online banking services and now want this card to be able to use online banking functions, please bring your valid ID, original online banking registration card and the Peony card you intend to add to the registration. Go through the "add online banking registration card" procedure at the local branch that provides personal online banking services where you open an account, instead of re-registering for personal online banking.
3. How to cancel online banking?
Have you ever encountered difficulties in using personal online banking and want to cancel your account? If so, please describe the problem you encountered in detail and tell us the error message so that we can analyze and solve the problem as soon as possible. If not, please bring your valid ID to the counter of a local branch that provides online banking services to go through the cancellation procedures; or, after logging in to personal online banking, log out by yourself through the "Customer Service" -> "Logout Online Banking" function. If you are a certificate media customer, your U-Shield or password card will also be canceled after logging out. If you need to use it, you need to bring your valid ID, registration card and U-Shield to the local outlet to add U-Shield business or apply for a password card.
In addition, if you need to cancel online banking in another place, please bring your valid ID card to the designated branch in your location to handle it. For specific branch information and whether it can be processed, please contact the local 95588.
4. Unable to enter the password verification code when logging into personal online banking?
If you encounter a small red cross in the password and verification code input box, it means that your browser has not successfully downloaded our ActiveX security control; if the password and verification code input box cannot be displayed, It means that your browser prohibits running ActiveX security controls.
Our bank’s online banking uses the ActiveX control to enter passwords. When you log in through the personal online banking control for the first time, the login page will have a process of downloading the control. You only need to download the control once and then visit the login page again. , the control is activated directly on the local machine without downloading it again. The ActiveX control uses the underlying functions of Windows to intercept 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.
If the system does not successfully download the control automatically, please perform the following operations:
(1) Log in to the ICBC portal;
(2) Click "Personal" Click "Download" under "Online Banking Login". After entering the next page, download and install the control program.
(3) Open IE browser, select "Tools" menu --gt; "Internet Options" --gt; "Advanced" tab --gt; click "Restore Default Settings" and click "OK" " then close all IE browser windows;
(4) Open IE browser, select "Tools" menu--gt; "Internet Options"--gt; "General" tab--gt; Internet Select "Check every time I visit this page" for "Check for newer versions of saved web pages" in the temporary file settings. And click "Delete Files" in the temporary Internet file settings, check "Delete all offline content" and click OK to close the dialog box and close all IE windows;
(5) If you installed In IE6 SP2 browser or IE7 browser, when the security control is intercepted by the browser, a yellow prompt bar will appear under the address bar. At this time, just click on this prompt bar and select "Install this ActiveX plug-in" in the pop-up menu. . In the dialog box, first click "More Options", click "Always install software from "Industrial and Commercial Bank of China"", and click the "Install" button so that the security control can be downloaded and take effect.
(6) If you have installed Rising Card Assistant, please perform the following operations: Open Card Assistant-gt; Plug-in Management-gt; Plug-in Immunity-gt; Bank-gt; Industrial and Commercial Bank of China, Just cancel the immunity of ICBC's controls. (After selected, there will be the words "Cancel Immunization" in the lower right corner) Normally it should display "ICBC Not Immunized". Note: Uninstalling without canceling the immunity will have no effect.
(7) Restart the computer.
5. After logging into online banking and clicking "Agree", "This page cannot be displayed" appears?
Please do the following:
(1) Open the IE browser, select the "Tools" menu--gt; "Internet Options"--gt; "Advanced" tab- -gt; Click "Restore Default Settings", click "OK" and close all IE browser windows;
(2) Open IE browser, select the "Tools" menu --gt; "Internet Options" --gt; "General" tab --gt; Select "Check every time I visit this page" for "Check for newer versions of saved web pages" in the Temporary Internet Files settings.
And click "Delete Files" in the temporary Internet file settings, check "Delete all offline content" and click OK to close the dialog box and close all IE windows;
(3) Open the IE browser , select "Tools" menu --> "Internet Options" --> "Security" tab, select "Internet" in the "Please set security settings for Web content in different areas (z)" window, and then select "Auto Define Level", set "Download signed Activex controls" and "Run Activex controls" in "Active controls and plug-ins" to "Enable" or "Prompt", click OK, and please restart the computer;
(4) If you have installed software such as 3721 Internet Assistant, please uninstall it completely;
(5) Please log in to the ICBC portal and click under "Personal Online Banking Login" "download". After entering the next page, download and install the control program.
(6) If it still cannot be used normally, it is recommended that you reinstall IE browser IE6.0 or above, and use the UPDATE function of the WINDOWS system to install the patch.
6. The 32002 verification code input error occurs when logging in or has expired due to timeout. Please re-enter:
If you encounter this problem when using IE browser, it is because you have been using it for a long time. It is caused by staying on this page and logging in directly without refreshing, or by entering an incorrect verification code. Please click the "Refresh" button first, and then enter the registered card number, login password and verification code in time to log in and use online banking normally. If [32002] or timeout prompts appear repeatedly, please try the following operations:
(1) Open the IE browser and select the "Tools" menu --> "Internet Options"
Tag --gt; click "Restore Default Settings" and confirm to exit.
Tag--gt; click "Settings"--gt in "Temporary Internet Files"; select "Check every time I visit this page" in "Check for newer versions of saved web pages", click " Delete files", check the box next to "Delete all offline content" and click OK.
(2) If 3721 Internet Assistant is installed, it is recommended that you uninstall it completely.
(3) Restart the computer.
If you encounter [32002] or operation timeout prompt in a LAN environment, in addition to the above operations, please ask the network administrator to adjust the IP address of your client mapped to the public network from a dynamic IP to a static IP, and at the same time Adjust the proxy server or router timeout to 15 minutes. If you are in a hurry, it is recommended that you change the Internet access method. Normal dial-up can completely solve this problem.
7. What should I do if I forget my online banking password?
If you forget your personal online banking login password, please bring your valid ID and online banking registration card to an outlet that provides personal online banking services to reset your online banking login password for free.
The reset new password will take effect immediately. Please log in to personal online banking in time and follow the prompts to change the 6-8 numeric password set at the counter to a combination of 6-30 digits and letters, and please Remember your new password.
If you forget your online banking payment password, please bring your valid ID and registration card to an outlet that provides personal online banking services to apply for a password card or USB shield. There is no need to reset your payment password. The original payment password will automatically become invalid after application.
8. What is the problem with Login Times [10254]?
Please confirm whether the login card number you entered is consistent with the print on the card surface. Please check carefully.
9. Error 5787 is prompted when logging in
This problem is caused by your wrong login method. If you choose to log in using only the "user name + online banking login password" method, then do not use the "card number + online banking login password" method when logging in.
The reverse is also true.
10. How to modify the login ID:
Please log in to personal online banking and select "Customer Service"--gt; "Personalization"--gt; "Query/Modify" Login method".
Setting/modifying login ID makes it more convenient for you to log in to online banking. You no longer need to remember and enter long strings of digital card numbers. You can set and modify the login ID for online banking by yourself, and use the set login ID to log in to online banking. The login ID only needs to be a combination of 6 to 15 letters, numbers, or underscores.
11. When the verification code cannot be displayed:
If the verification code cannot be displayed normally, please right-click the verification code and select "Show Image" in the menu.
12. If I have already opened online banking with a card, how can I use the online banking function with another card?
You can add local or remote bank cards, local or remote current accounts issued with the same name and the same certificate as a registered account for personal online banking. If you have applied for U-Shield, you can apply for it through the "Add Registration Card and Account" function; if you have not applied for U-Shield, then please bring the same valid identity document as other registration cards, local online banking registration card, local and remote For bank cards or current accounts, go to the local counter.
However, this operation is not supported in the following situations:
(1) The locally registered card has only one international card, and the account to be added cannot be a remote account or a local current account.
(2) The status of the added account (card) is abnormal, non-exchange account, long-term non-account, card has been registered, etc.
(3) The added account (card) has been registered for online banking or has been added as a registered account (card) for other online banking.
(4) Both the original registered card and the added account (card) have been designated as bank account media.
(5) When adding a card or account in a different location, there cannot be any personal online banking that still exists in other regions.
In addition, the functional permissions of accounts or cards added through self-service are different from those added through the counter. Customers can only make inquiries, transfers, and report losses on cards or accounts added by self-service. Operations involving account funds.
13. Does online banking charge an annual fee?
The annual fee for our bank’s personal online banking is 12 yuan/year, and it is free for Elite Club customers. However, this fee has not been collected yet. We will announce it on the website, forum, etc. before charging it.
2. Application and use issues of electronic password card and USB shield
1. How to apply for electronic password card
Please bring your valid ID and online banking To register a card, go to an ICBC branch to apply for an electronic banking password card for free.
2. What is the difference between electronic banking password card, static password and U-shield?
Compared with static passwords, electronic banking password cards are not only more secure and reliable, but also can have higher payment limits and more functions; compared with U-shield, the encryption authentication method of electronic banking password cards Although not as advanced as the former, password cards are cheap, easy to use, and can cope with common risks such as hacker attacks, fake website fraud, and Trojan viruses. They are very suitable for ordinary online banking customers who do not have high payment limit requirements. If you want to enjoy all the functions of online banking and have higher requirements for the security of online banking, it is recommended that you apply for ICBC U-Shield.
3. Is there a limit for electronic password cards?
When using password cards for B2C, online payment, external transfers and remittances, the single transaction limit is 1,000 yuan; the daily cumulative transaction limit is 5,000 yuan. If the transaction amount on the day is less than 5,000 yuan, please pay in installments.
If you feel that the payment limit of the electronic banking password card cannot meet your requirements, you can apply to become a U-Shield customer. U-Shield is a hardware encryption method with a higher security level launched by ICBC. Online banking transactions using U-Shield are not subject to the restrictions on electronic banking transaction limits.
If you need to apply for U-Shield, please bring your valid ID and online banking registration card to the designated outlet to apply for U-Shield.
4. How to use the electronic password card?
There are a number of character strings printed on the electronic password card in matrix form. When customers use electronic 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.
5. The electronic banking password card is lost, what should I do?
If your e-banking password card is accidentally lost, you can go to an ICBC branch with your valid ID and online banking registration card to apply for a new card. When you apply for a new card, the old card will be invalidated. If you are temporarily unable to apply for a new card at an ICBC branch, it is recommended that you log in to online banking and enter "Customer Service" --> "Personalization" to temporarily close the "E-commerce" and "External Transfer" functions. After these two functions are closed, , if you need to activate it again, you need to bring your valid ID and online banking registration card to an outlet that provides personal online banking services.
6. What is U-Shield:
U-Shield is the customer certificate USBkey launched by our bank in 2003 and obtained a national patent. It is provided by our bank for you to handle online banking business. High-level security tools. 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 point of view, USB-Shield is a tool for electronic signature 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 authenticate online data. Digital signatures ensure the confidentiality, authenticity, integrity and non-repudiation of online transactions.
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. Using U-Shield is your best choice. As long as your login card number, login password, U-Shield and U-Shield password are not leaked to one person at the same time, you can use online banking safely.
7. How to apply for a USB-Shield certificate
Please bring your valid ID and online banking registration card to the local designated outlet to apply for the USB-Shield. For procedures and outlet information, please contact the local Contact the 95588 service hotline for consultation.
8. What to do if the U-Shield is lost:
If you accidentally lose the U-Shield, in order to ensure the safety of your online banking account, please bring your valid ID and online banking immediately. Register the card and go to our branch to apply for freezing the USB shield. If it is confirmed that the USB shield has been lost, you can apply for a replacement certificate. After the application takes effect, you can re-download the certificate information according to the original method of using U-Shield, or you can ask a bank teller to assist you in completing the operation. The handling fee for reporting a loss is RMB 10 per transaction.
9. How to use USB Shield:
1. System upgrade: If it is your first time to use personal online banking on this machine, please log in to the ICBC portal and click "Personal" Click "Install" under "Online Banking Login". After entering the next page, download and install the "USB Shield" driver. If you want to use a CD to install, please run the "USB Shield" CD and select the "System Upgrade" function on the main installation page. The system will automatically detect and prompt you to install the patch. After installing the patch, please select the "Driver Installation" function to install the corresponding "USB Shield" driver.
2. Download and install: After applying for U-Shield, you can entrust the counter agent to download the information to "U-Shield". You can also log in to ICBC Personal Online Banking and go to "Customer Service"->"U-Shield Management"->"U-Shield Self-Service Download" to complete the download of certificate information. Before downloading, please make sure the "U-shield" is connected to the computer USB interface. If the download is unsuccessful, please bring your valid ID, online banking registration card and USB shield to the designated counter in the area where you open an account.
3. Use: After the download is completed, when you need to use the "U-Shield", just plug it into the USB interface of the computer and it can be used normally.
10. USB-Shield customers cannot select certificate information from the drop-down box when using digital signatures:
This means that your USB-Shield is not properly connected to the computer. Please pull out the USB-Shield. Reinsert it after the shield (it is recommended to plug it into the USB interface on the motherboard instead of using the front interface). If the indicator light on the KEY is always on, it means the connection is good and you can start the operation again. If it still does not light up, please follow the steps below:
(1) Reinstall the USB-shield driver of the corresponding brand.
(2) Check whether your system has been fully patched. If not, please use the UPDATE function of WINDOWS to upgrade.
(3) If your system is 2000 or XP, please select "Services" under "Administrative Tools" in the "Control Panel" to check whether SMART CARD is enabled. If not, please Enable.
11. Why does the download certificate system prompt "31456"
This problem is because you have missed the time period for self-service downloading of u-shield (within 10 days after applying for u-shield). You need to bring your online banking registration card, valid ID and U-Shield to our bank's designated U-Shield agent outlet to "download U-Shield".
12. Can U-Shield be used under VISTA system?
You can use our bank’s U-Shield certificate under the WIN VISTA 32-bit system, but you cannot operate the self-service certificate download business. If you have not downloaded the certificate information, please bring your valid ID, registration card and U-Shield. Go to the designated outlet where you opened your account to download the certificate on your behalf. Before using the USB shield, please log in to our bank's portal website, click "Install" under "Personal Online Banking Login", download and install the driver and you can use it.
3. Common operational issues in personal online banking
1. How to check the balance of registered online banking?
If the card has been registered for personal online banking, please log in to personal online banking and select "My Account" --gt; "Account Inquiry" --gt; "Account Balance Inquiry" function for self-service Query.
2. Error when querying the balance: 24008 system error, contact ICBC
Please use IE browser version IE6.0 or above, and use the UPDATE function of the WINDOWS system to install patch.
3. What should I do if the payment is successful but the other party says that the money has not been received?
Please log in to personal online banking and select "My Account" --gt; "Account Inquiry" --gt; "Online Shopping Details Inquiry" to check the payment status of the transaction. If it says "Payment successful, cleared", it means the bank has successfully transferred the funds. Please contact the merchant as soon as possible and provide your shopping details to the merchant so that the problem can be resolved as soon as possible.
4. Why can’t I pay even a small amount of money through online banking?
According to Articles 33 and 40 of the "Electronic Banking Business Management Measures" issued by the China Banking Regulatory Commission in 2006, and Article 25 of the "Electronic Payment Guidelines" issued by the People's Bank of China, our bank has introduced relevant measures. At the same time, this is also to protect the safety of customers' funds, so please understand and support our work.
From August 1, 2006, the payment limit for all self-registered customers and passbook versions is 0 (including previously registered customers). However, you can spend and pay on websites with special limits recognized by the Industrial and Commercial Bank of China. ICBC has set a separate limit for this website (the e-commerce function needs to be activated).
Starting from September 1, 2006, for customers who register at the counter and have not applied for a USB shield or password card, the single transaction limit, daily cumulative limit and total payment transaction limit are all 300 yuan. Customers whose payment limit has reached 300 yuan today need to go to the branch to apply for an electronic password card or USB shield (the payment amount is calculated from the registration date).
If the transaction limit has been reached but payment is urgent, it is recommended that you change the transaction limit through the following methods:
1. Apply for USB-Shield. U-Shield customers are no longer restricted by transaction limits and payment times. In addition, using U-Shield, you can enjoy services such as signing financial management agreements, and the security is greatly enhanced based on your original use. If you need to apply for U-Shield, please bring your valid ID and online banking registration card to the local designated outlet to apply for U-Shield. For procedures and outlet information, please contact the local 95588 service hotline.
2. Apply for a password card. You can apply for a password card at a local designated outlet with your valid ID and online banking registration card. After applying for an electronic password card, the single transaction limit for personal online banking is 1,000 yuan; the daily cumulative transaction limit is 5,000 yuan, and there is no total payment limit control; the number of uses of the electronic banking password card is 1,000 times (the customer enters the correct password characters and passes the system Verification is once), and it cannot be used after the number of uses has been reached. Please go to our bank's business outlets in time to apply for a new card.
5. Why is it prompted that the "e-commerce function" (32732) has not been activated when making B2C payments?
Please bring your valid ID and online banking registration card to the branch in the area where you open an account to activate it. With this function, you can apply for a password card or U-shield at the same time to facilitate future payments.
U-Shield customers are no longer restricted by transaction limits and payment times. In addition, using u-shield, you can enjoy services such as signing financial management agreements, and the security is greatly enhanced based on your original use. If you need to apply for U-Shield, please bring your valid ID and online banking registration card to the local designated outlet to apply for U-Shield. For procedures and outlet information, please contact the local 95588 service hotline.
After applying for an electronic password card, the single transaction limit for personal online banking is 1,000 yuan; the daily cumulative transaction limit is 5,000 yuan, and there is no total payment limit control; the number of times the electronic banking password card can be used is 1,000 times (input by the customer) Correct password characters and verified by the system once), it cannot be used after the number of uses is reached. Please go to our bank's business outlets in time to apply for a new card.