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What is the principle of ICBC's online banking digital certificate? Is it absolutely safe?
Hello, about the U-Shield Certificate:

U Shield is a national patent "intelligent guardian" initiated by Industrial and Commercial Bank of China, which is specially used to protect the safety of online banking customers. It is a kind of physical hardware with intelligent chip, and its shape is similar to flash memory (U disk). It is the highest security tool for online banking clients at present. Although small, it plays a great role as the gatekeeper of online banking, and it is the guardian of online banking information and capital security! "U shield" is unique and unrepeatable, and all external transfers involving account funds on the Internet must be uniquely authenticated in advance. "U Shield" specially adopts the personal client certificate of physical media, and establishes a personal certificate authentication system based on public key (PKI) technology. Technically, customer certificates can authenticate the identity of customers' online transactions through personal certificate authentication and digital signature technology, and can sign various business service agreements to ensure the uniqueness, integrity and non-repudiation of transactions and agreements.

With the U-Shield certificate, you can transfer and remit money at will and enjoy online financial services. According to different certificate brands, the certificate fees are divided into 76 yuan, 68 yuan and 60 yuan, but the functions are the same. Please apply as needed.

Ensuring the security of online transactions requires the joint efforts of banks and customers. You also need to have a certain awareness of security and develop good online banking habits, such as logging in to the right website, protecting your account password and ensuring computer security.