Use online banking security tools 1. A good choice to ensure the security of personal online banking - online banking customer certificate Personal online banking customer certificate is technically a tool for online banking electronic signature and digital authentication. It has a built-in micro smart card processor and uses a 1024-bit asymmetric key algorithm. Encrypt, decrypt and digitally sign online data to ensure the confidentiality, authenticity, integrity and non-repudiation of online transactions. If you have applied for an online banking customer certificate, as long as you keep your online banking customer certificate and its password, you will no longer have to worry about various risks such as hackers, fake websites, and Trojan viruses when handling online banking services. You can sit back and relax. Use online banking simply and securely. 2. New security tool - e-banking dynamic password e-banking dynamic password is when you use e-banking (including online banking or telephone banking) for external transfers, B2C shopping, payment and other payment transactions, the bank system will randomly give out password information , you enter your password information into the electronic banking system. Only when the entries are correct can the relevant transaction be completed. This kind of password changes dynamically, and the password entered by the user is different every time it is used. It will become invalid after the transaction is completed, thus preventing criminals from stealing funds by stealing customer passwords and ensuring the security of electronic banking. Compared with online banking customer certificates, dynamic passwords have certain transaction limits and functional restrictions, but the cost is lower than customer certificates, and they are easy to use. They are sufficient to cope with common risks such as hacker attacks, fake website fraud, and Trojan viruses. They are very suitable for Used by ordinary online banking customers who do not have high payment limit requirements. Make full use of the auxiliary security functions of online banking. In addition to using relevant security tools, online banking also has many auxiliary security functions to ensure the security of your online banking in various ways. 1. Reserved information verification: "Reserved information verification" is a service that helps you effectively identify bank websites and prevent criminals from using fake bank websites to commit online fraud. You can pre-record a piece of text (i.e. "reserved information") in the banking system when registering. When you log in to personal online banking or make a payment on a shopping website or sign an entrusted payment agreement online, your predetermined information will be automatically displayed on the web page. Please leave the information so that you can verify whether it is a real bank website. 2. Mobile phone SMS authentication: After you apply for this service, when you handle external payment business through online banking, the bank will send payment transaction information and transaction verification code to your reserved mobile phone number. You will verify the transaction information after confirming that the transaction information is correct. Enter the code into the online banking system before you can use your certificate or dynamic password card to continue processing payment transactions. In this way, even if you accidentally lose your customer certificate or the certificate password is accidentally compromised, as long as you ensure that your mobile phone is not obtained by the same person, your account can still be guaranteed. Funds are safe. 3. Balance change reminder: After customizing this service, when you make deposits and withdrawals, transfers and remittances, card purchases, or investment and financial management, as long as the funds in your account change, you will receive a mobile phone text message reminder service as soon as possible to keep you informed. Changes in account funds.

The manuscript for this issue is provided by Industrial and Commercial Bank of China, Dalian Branch