In 2003, China Industrial and Commercial Bank launched and obtained the national patent customer certificate U Shield, which is an advanced security tool provided by China Industrial and Commercial Bank for online banking. It looks like a USB flash drive, like a shield, always protecting the safety of your online banking funds.
From a technical point of view, U shield is a tool for electronic signature and digital authentication of online banking. It has a built-in micro smart card processor, and uses 1024-bit asymmetric key algorithm to encrypt, decrypt and digitally sign online data to ensure the confidentiality, authenticity, integrity and non-repudiation of online transactions.
Second, why choose to use U shield?
● The transaction is safer.
With U shield, you don't have to worry about hackers, fake websites, Trojan viruses and other risks. When you do online banking. U shield can ensure the safety of your online banking funds.
Customers who use login password and payment password need to protect your card number and password when handling online banking external payment business, ensure that the computer that logs in online banking is safe and reliable, update anti-virus software regularly, download patches in time, do not open unknown programs, games and emails casually, and maintain good online habits; If you can't do it at all, don't worry, using U shield is your best choice. As long as your login card number, login password, U shield and U shield password are not disclosed to one person at the same time, you can safely use online banking.
In addition to U shield, ICBC has also introduced a series of security measures: alias login (different from the custom login method of traditional account login), double password control of login password and payment password, and payment amount control to ensure customer safety; Identify and prevent counterfeit bank websites through website verification, website certificate verification (click on the "encryption lock" diagram at the lower right of ICBC website) and reserved information verification.
● Payment is more convenient.
With U Shield, you can easily transfer money, remit money, pay and shop online, without being limited by various payment quotas.
● More comprehensive functions
With U Shield, you can sign personal financial agreements through online banking and enjoy our unique financial services.
● More diversified services.
With the U-Shield, you can also bind the U-Shield of ICBC to Alipay account, and use the U-Shield to authenticate your login to Alipay, thus ensuring the security of your Alipay account.
In order to help netizens guard against online payment risks and promote the development of e-commerce industry, China Industrial and Commercial Bank cooperated with Alipay, a subsidiary of Alibaba, to launch a digital certificate sharing project. After the customer binds the ICBC U-Shield to Alipay account, he must insert the ICBC U-Shield and log in to Alipay before he can make payment, cash withdrawal and recharge. Customers can only query Alipay without using ICBC U shield. Therefore, Alipay customers only need to bind ICBC U shield. Even if the account number and password are accidentally leaked, as long as the ICBC U shield is in hand, the account funds can still be guaranteed to "sit back and relax".
Third, the application and use of U shield
As long as they are ICBC's personal online banking customers, they can apply for U shield by bringing their valid certificates and peony cards used when registering online banking to ICBC outlets. There are three steps to using U shield:
Step 1: Install the driver
If it is the first time for you to use personal online banking on your computer, please refer to ICBC's personal online banking system setup guide, adjust the computer settings first, and then install the U shield driver. Drivers of different brands of U Shield can only be used in this brand. If you want to install by CD, please run the U Shield CD and select "System Upgrade" on the main installation page. The system will automatically detect and prompt you to install the patch. After installing the patch, please select "Driver Installation" to install the U shield driver.
Step 2: Download certificate information
After applying for the U-Shield, you can entrust the teller at ICBC outlets to assist you in downloading your personal ID information into the U-Shield, or you can log in to ICBC's personal online banking and enter "Customer Service-Personal Customer ID Self-Download" to complete the ID information download. Please make sure that the U shield is connected to the USB interface of the computer before downloading. If download is unsuccessful, please go to the counter.
Step 3: Use the U shield happily.
If you need to handle external payment services such as transfer, remittance and payment after logging in to personal online banking, you only need to insert the U shield into the USB interface of the computer according to the system prompt, enter the U shield password, and complete the payment service after being verified by the banking system.
Fourth, the price of U shield
Product model certificate price
The maintenance of verb (verb's abbreviation) U shield
●u shield update
The service period of U-shield certificate file is five years. One month before the service expires, ICBC's online banking system will prompt you to update the certificate to extend the service period of the certificate. You can operate as follows:
● Password of U shield
After applying for the U-Shield, you can immediately change your password at the bank counter, or you can use the supporting certificate tool software to change your certificate password, or you can log in to personal online banking and change your certificate password in "Customer Service-Personal Certificate Management-Personal Customer Certificate Password Update".
If you forget your U shield password during use, you can bring your U shield, online banking registration card and your valid ID card to ICBC outlets to reset your password. If you enter the U shield password incorrectly for more than six consecutive times when using online banking, the system will lock the certificate. You also need to bring your U shield, online banking registration card and your valid ID card to ICBC outlets for password reset.
● Report the loss of U shield >>
If you accidentally lose your U shield, in order to ensure the safety of your online banking account, please immediately apply to ICBC outlets to freeze your U shield. If you confirm that the U shield has been lost, you can apply for a replacement certificate. After the application takes effect, you can download the certificate information again according to the original method of using U shield, or ask the bank teller to help you complete the operation.