When the hand-held bank transaction interface prompts to insert KBao, it means that the universal KBao (audio version) service has been opened, and KBao is designated as a security authentication device. Just plug the audio cable on KBao into the headphone jack of your mobile phone or tablet. For new customers who apply for KBao, if they haven't downloaded the certificate, download and update their personal certificate: Please log in to the personal bank and click "My-Security Center -KBao Settings -KBao Certificate Download Update" to download and update the certificate. Reminder: This function is applicable to registered customers of Pocket Banking outlets. This transaction can only be used within 3 months before the first use of KBao certificate or the expiration of KBao certificate. Otherwise, the customer will be prompted that the certificate is up to date.