The portable experience of traditional U shield is relatively poor, and the usage rate is gradually decreasing. At present, U shield technology will develop in the direction of strengthening mobile phone strong dynamic authentication, big data verification and face brushing.

Now the mobile Internet is in full swing and the mobile economy is in full swing. Whether going to work or shopping, there are many "bow-down parties" on the road; Whether you want to pay the bill or transfer money, you can get it with a sweep of your mobile phone; Moreover, the field of mobile payment security has also developed rapidly, and various standards, alliances and solutions have emerged one after another: card tag, cloud service cloud security cloud platform, near-field payment, biometrics, dynamic token, SMS encryption and so on. There are more and more products and wider ideas.

U-Shield, also known as UKey or smart password key, is a recognized security authentication tool in the electronic banking channel with PC as the main channel. In the past 10 years, it solved the problem of electronic signature well and provided a mainstream solution for online banking transactions with PC as the main channel at that time. In the era of rapid technological progress, the traditional online banking U shield, once the mainstream solution, seems to gradually fade out of people's field of vision? …

It's too early to quit now

There are some views that "eliminating U shield" is the general trend. Is that really the case? Actually, it is not.

For personal daily life, it has become the mainstream to complete payment or transfer by mobile phone, but for large-sum and enterprise network security payment, U shield is still the mainstream solution. "Most mobile payments are used for micropayments, and the transaction limit is controlled within a certain range. In order to ensure the safety of customers' funds, banks use U-Shield digital certificates to transfer large amounts of funds. Issued by China Financial Certification Center (CFCA), an authoritative certification institution, it can identify the user's identity information, is unique and reliable, and better guarantees the security of online fund transactions. "Fu Guoliang, the manager in charge of the software development department of the information technology department of Zheshang Bank, said in an interview with the reporter of Economic Daily.

Zhang Yi, senior director of CFCA business research, believes that when the transfer amount reaches a certain level, such as 500,000 yuan or even 5 million yuan, the demand for convenience is far lower than the demand for security. In heavy use scenarios, U shield is still the safest solution. "In addition, in the enterprise scenario, the status and official seal of the enterprise-specific financial U shield are equivalent, and it is quite inappropriate to replace its function with an employee's mobile phone." However, he also said that in light scenes, the traditional U shield is obviously not convenient enough, and the usage rate is declining.

Where is the U shield going? Retirement or innovation? "If the U shield is still the U shield of 10 years ago, it will soon be completely replaced by new technologies." Zhang Yi said that technological progress also affects the traditional U shield, and this traditional solution itself is constantly evolving, such as the evolution of Bluetooth functions and the Bluetooth shield used for docking mobile terminals.

Zheshang Bank added headphones and Bluetooth interface to the U shield to tailor a convenient mobile security solution for mobile banking. It also provides a built-in high-performance smart card chip to realize fast, simple and low-cost two-factor authentication service, to ensure that the bank's capital security will not be threatened by mobile phone viruses and Trojans, and to provide protection for customers' capital security.