Its advantages are:

Eight defenses of the security system of "One Netcom Network Shield": 1. The professional version of the system-the online personal banking professional version of China Merchants Bank, which is an online personal banking financial management software developed based on the Internet platform, is based on strict customer identity authentication, and issues certificates to customers who participate in transactions, and verifies the certificates during transactions. 2. Multicolored "excellent key"-the patron saint of online banking security "excellent key" is a new type of mobile digital certificate that China Merchants Bank uses sophisticated encryption technology to store the professional digital certificate of online personal banking on USB KEY. With the feature of "no drive", it allows users to truly experience the feeling that "the bank moves with me and is safe and carefree". 3. Limit control-The bank will set a daily consumption limit of 5, yuan for the online payment function account of the popular version by default. For the professional online payment function, users can set their own daily consumption limit as needed to ensure that users have enough funds to experience online payment services. 4. Protection period-the safety island for new users automatically sets the protection period control for the account that applies for the online payment function of the popular version online. During the protection period, the daily consumption limit of online transactions is 5 yuan, which prevents users from inadvertently revealing the card number and password and causing greater financial losses due to misappropriation by others, so that the account funds can be protected to the maximum extent. 5, password security controls-account password Iron General China Merchants Bank's personal online banking (including popular version and professional version) has set password security controls in all password input areas, effectively preventing hackers from stealing customer account passwords, making it impossible for criminals to obtain bank card information from China Merchants Bank's online banking system. Greatly improved transaction security 6. "One Netcom Shield" security software-the false website reveals its original shape. China Merchants Bank's "One Netcom Shield" security software can identify phishing websites and fake emails, warn users of risks or prevent you from submitting and accessing untrusted websites (webpages), effectively improving customers' ability to prevent online fraud. 7. Dynamic verification code —— Surfing the Internet without worry. When users apply for online payment function or professional edition in China Merchants Bank, they reserve the correct contact number. When operating online payment or certificate recovery, they can obtain the "dynamic verification code" at the reserved contact number in time for identity verification, which effectively guarantees the security or authenticity of online payment or certificate recovery. 8. Transaction SMS and email notification-In case of account change, users reserve the correct contact number when opening the online payment function of the popular version or opening the professional version at the counter. If the online payment transaction of the popular version occurs in the user account, China Merchants Bank will immediately send the online payment transaction information of the popular version to the phone reserved by the user by SMS, and if there is a large transfer transaction of the professional version, it will also be sent to the phone or email reserved by the user by SMS or email to let the user know the account change in time. (China Merchants Bank) Full Press Release: Help you control security: China Merchants Bank's eight-fold defense network of "One Netcom and One Shield" has changed our way of life and changed the meaning of financial services. Online banking is increasingly accepted by users because of its advantages of all-weather, low cost, comprehensive functions, convenience and speed. However, when people enjoy convenient online banking services, the risks of online transactions also arise. In recent years, some lawless elements have set their sights on individual users of online banking. They steal users' personal information through fraudulent means such as fake emails, fake websites, Trojan viruses and deliberate fraud, and then steal customers' account funds. The security of online banking has attracted more and more attention from users. China Merchants Bank, which has always been famous for its innovation, first vigorously promoted online banking in China. Its "One Netcom" personal online banking system has become the bank's signature business, which is not only loved by the majority of netizens, but also enjoys a good reputation in the industry and has become the catch-up target of other online banks. China Merchants Bank has invested a lot of resources and technology in maintaining the financial security of online banking users and achieved remarkable results. According to industry sources, at present, China Merchants Bank has done the best in online banking security, and account theft cases have also occurred at least. The performance, convenience and security of online banking are two complementary standards. Convenience is the fundamental value of online banking, while security is the core and key to developing online banking business. In view of this, since the development and design of "One Netcom" system, China Merchants Bank has always put the security of online banking in the first place, maintaining the leading level in this field. The purpose of "One Netcom" system construction is to ensure the real-time and convenient settlement speed while effectively controlling risks, to provide customers with a protection mode that has both a high-level safety factor and can meet the needs of convenient transactions, and to achieve the perfect balance of convenience and security in online banking as much as possible. Over the years, China Merchants Bank has continuously introduced various targeted security measures, formed an all-round and multi-level guarantee for online banking, and made every effort to build a "one network shield" online banking security system. This system includes eight security measures, such as professional version system, new mobile digital certificate "excellent KEY", payment limit control, new user protection period, password security control on login interface, dynamic verification code, transaction short message and email notification, and "one netcom network shield" security software that can identify fake websites and fake emails, which forms a huge and strong protection shield for users in the virtual world to ensure their financial security. The first online personal banking professional version-online banking safe haven China Merchants Bank's personal online banking "One Netcom" is divided into a popular version and a professional version. On the surface, the two are only different in functional scope, but the essential difference lies in the security level. The popular version does not need a digital security certificate, nor does it need to go through any formalities and pay any fees at the counter. As long as it has the bank card of China Merchants Bank, it can log in and operate online in the form of a webpage, helping users to experience online banking conveniently. However, the popular version has certain security risks, so China Merchants Bank only provides customers with functions limited to their own accounts, including account information inquiry, transfer between accounts under my name, purchase of funds and wealth management products under my name, etc. Compared with this, the professional version of "One Netcom" is much more powerful and has a higher level of safety factor. "Professional Edition" adopts the double protection mode of certificate+client program, which is extremely secure. Therefore, it can undertake most banking business except cash delivery, meet the higher-end needs of customers, and enable them to carry out a number of financial activities without leaving home. Digital certificate is the foundation of the security of professional edition. X.59 standard digital certificate system adopted by professional edition uses digital signature technology and strong encrypted communication channel based on certificate to ensure customer identity authentication and data transmission security, and has obtained CA security certification from international authoritative VERISIGN company. The professional edition can only be used after the customer himself applies for and installs the digital security certificate. To open the professional version, users need to bring their "one-card" bank card and their ID card to the counter of China Merchants Bank to apply. In order to help customers prevent others from stealing, digital certificates are not allowed to be backed up directly on the hard disk, but only by independent devices such as USB flash drive and mobile hard disk. The second drive-free multicolored "excellent Key"-the digital certificate of online banking security patron saint professional edition is divided into file digital certificate and mobile digital certificate "excellent key". When a customer applies for a document certificate, he will get an authorization code automatically generated by the system from the counter. After logging in and registering on the computer, a "security certificate" will be saved on this computer. Every time you log in to Professional Edition, the software will authenticate your certificate information online to ensure that it is not fraudulently used by others (you cannot log in without a certificate). The mobile digital certificate is a portable hardware which looks like a USB flash drive. It uses sophisticated encryption technology to store the professional digital certificate on the USB Key. Compared with the traditional file certificate stored in the computer with encrypted files, it is convenient for customers to enjoy the professional service anytime and anywhere. More importantly, its appearance makes the account authentication data independent of the computer hard disk, which reduces the risk of theft and can be called the patron saint of online banking security. On this basis, China Merchants Bank further upgraded the latest mobile certificate-Colorful KEY. This is the earliest driver-free mobile digital certificate in China. It can realize "plug and play" on any computer connected to the Internet, which eliminates the trouble of hardware driver for customers who use the professional version, greatly improves the service quality of online banking and the recognition of customers, and promotes the professional version to achieve leap-forward development and popularization. In addition to the protection of digital certificates, the professional version also provides users with special client terminals. Customers who use the professional version must download the professional version software from China Merchants Bank's "One Netcom" website for installation. The operation of the terminal does not depend on web pages, which can avoid the attacks of viruses and trojans. When logging in, the terminal software will also force the customer to turn off the remote terminal option of the browser before starting. Customers use the professional version for business operations such as financial management, transfer and payment, so they don't have to worry about being attacked remotely by hackers. The existence of double "safe havens" for certificates and clients means that if criminals want to steal customers' deposits by using "One Netcom" Professional Edition, they must first know the login password of the customer's online banking, master the computer with certificates or the excellent Key for loading mobile certificates, and at the same time know the withdrawal password. This greatly increases the difficulty of committing crimes through online banking. Through the professional version of the system settings, customers can choose to protect their transactions based on the highest security level of the Internet. At the same time, customers who use the professional version can also set the login function of the popular version to prevent the account from being invaded by criminals through the Internet channel of the popular version. In addition, the online banking system of China Merchants Bank has designed a variety of security measures from different angles according to the needs of different users, so as to help users at all stages of experience to complete business operations through online banking without any worries. Third payment protection period-safe island for new users In order to make more users experience the ease and convenience of online payment, China Merchants Bank provides customers with a channel to apply for payment through online or manual telephone, which is different from other banks' requirement that users who want to start online payment must apply at the branch counter. At the same time, for new users who are unfamiliar with online banking operations and have relatively weak awareness of network security, China Merchants Bank has specially set up a "safety island" in the popular version of "One Netcom"-a protection period for users of the popular version to limit the payment limit. Users who apply for online payment through the popular version will be automatically controlled under a certain amount of payment every day within a certain protection period. This setting reduces the financial risk caused by unintentional loss for new users. The fourth limit control-the account fund protection wall is aimed at users who have a certain understanding of "One Netcom" online banking and started to use the professional version. The professional version system gives them the right to manually set the "daily transaction limit". The professional version just opened does not automatically have the function of online payment, and customers need to open it manually. Users can set a maximum amount allowed to pay every day according to their own needs and change it at any time. This function can also ensure the safety of customers' deposits to a certain extent. The fifth password security control-account password Iron General In order to prevent network hackers from stealing account passwords through Trojan horse programs, China Merchants Bank's online banking (including popular and professional versions) has set password security controls in all password input areas. With this "iron general" to lock the door, the security of data exchange is greatly improved, ensuring that customers can safely complete transactions with the help of the network. Sixth, the security software of "One Netcom Shield"-False websites reveal their true colors. Among the endless online fraud methods, phishing websites are a common one. The so-called "phishing website" means that fraudsters forge a page that is very similar to the real bank website and use a domain name that is easily confused with the bank name. If users search the bank website, they will fall into the trap if they are not careful. Such websites often send emails to users by imitating the customer service mailbox of banks, claiming that "there is something wrong with your online banking" and tricking users into providing their account numbers and passwords. In view of the trap of phishing websites, China Merchants Bank has specially developed the "One Netcom Network Shield" software. It can automatically identify phishing websites and fake emails aimed at China Merchants Bank's online banking, and promptly give risk warnings or prevent account passwords from being submitted on suspicious websites to prevent information from being leaked. Users can log on to the homepage of China Merchants Bank at any time to download and install this software, which will set up an anti-fraud barrier for online banking. The seventh dynamic verification code-surfing the Internet without worry In order to maintain the security of online banking users' transactions in time, customers apply for opening a professional version, and tellers will ask customers to reserve their mobile phone numbers. If a customer performs a certificate backup and recovery operation after enabling the Professional Edition, China Merchants Bank will send a "dynamic verification code" to the mobile phone number in real time, and ask the customer to submit the verification code through the webpage for identity verification, effectively ensuring that the operation is really approved by the customer himself. The same protection also exists in the related operations of online payment. For the online payment of customers, both the popular version and the professional version of "One Netcom" have set up a set of background systems for risk assessment. The system judges the risk degree of each payment through a series of technical strategies, risk control strategies and customer protection strategies, and based on this, it sends a dynamic verification code when the transaction exceeds a certain risk control standard to check the identity of the customer. Eighth, transaction SMS and email notification-timely notification of account changes through SMS and email is another thoughtful design to enhance the security factor of online banking. In case of online payment transaction in the popular version or large transfer transaction in the professional version, China Merchants Bank will send the transaction information to the phone or email reserved by the customer by SMS or email, so that the customer can know the account changes in time, check the funds in and out, and feed back suspicious transactions.

The above eight measures together constitute an iron wall for "One Netcom" to protect the safety of customers' funds and smooth transactions. In fact, in the security system of China Merchants Bank's online banking, these eight defenses are only one side that customers can directly feel. Behind the system that customers can't experience, the business team and IT team of China Merchants Bank have been making great efforts to strengthen the security of "One Netcom" online banking. In order to verify the account information accurately, China Merchants Bank's online banking system has to conduct instantaneous large-scale data exchange behind every user's operation. In order to protect customers' funds from risks in more and more diversified online transactions, China Merchants Bank has continuously improved and strengthened the functions of the professional version of "One Netcom", and at the same time, it has also cooperated with third-party payment platforms such as Taobao and Tencent and the public security departments, spending a lot of time, energy and cost, and set up a strong monitoring team to actively find suspicious transactions and contact customers, so as to create a safe channel for customers' capital flow in all directions. Through the unremitting efforts of China Merchants Bank, "One Netcom" online banking has increasingly demonstrated its excellent performance in balancing security and convenience. As the saying goes, the road is one foot high and the magic is ten feet high. Facing the ever-changing network security environment, China Merchants Bank is willing to make unremitting efforts with customers to continuously improve and perfect the security system of "One Netcom Network Shield" in order to ensure the security of customers' funds! Tips for users' safety knowledge: As a new thing, online banking is bound to go through a process of continuous improvement. Generally speaking, China's major online banks, represented by China Merchants Bank Online Banking, have provided users with adequate security. However, in view of the complexity of the network environment, online banking users should maintain a certain awareness of vigilance, use online banking services correctly, and enjoy online support to the fullest.