Management of all CMB accounts under the personal name (including credit cards), bank transfers and inter-bank transfers, self-service bill payments (water, electricity, gas, cable TV, telephone, etc., depending on the region), foreign exchange transactions , purchase of funds/stocks/treasury bonds, etc., self-service loans, etc., and many more. For more information, please refer to the detailed introduction of the professional version on the official website of China Merchants Bank: In general, basically all businesses that do not involve cash transactions are included. Organization name: Jufu Financial Advisor Team Category: Financial consulting, stocks, Fund Bond, Gold Institutional Name: Haomai Fund Research Center Category: Fund

There are differences between China Merchants Bank’s “Personal Professional Edition” and Personal Public Edition:

The Online Personal Banking Professional Edition is An online personal banking software developed by China Merchants Bank based on the Internet platform. This software is based on strict customer identity authentication, issuing certificates to customers participating in transactions, and verifying certificates during transactions.

If you hold a China Merchants Bank card, you can use the professional version of online personal banking through the Internet for fund allocation and all-round financial management. Safe and reliable

Adopt a strict X.509 standard digital certificate system and pass national security certification. Use digital signature technology and certificate-based strong encrypted communication channels to ensure the security of customer identity authentication, data transmission, and password input. Powerful functions

Manage multiple cards in one account to facilitate you and your family's financial management; personalized functions and tips reflect your dignity; rich financial management functions become your right-hand assistant; various online personal Banking services to meet your needs. Convenient and fast

China Merchants Bank’s 24-hour online service spans time and space, saving time and effort; accounting management is clear at a glance, just turn on the computer, and all transaction details are at a glance; there is no need to specify an account in advance for intra-city transfers or long-distance remittances , fund transfer is convenient and fast; online merchants are located all over the country, and real-time payment is fast and convenient. Intelligent installation

The professional version adopts intelligent installation guidance. Users only need to apply to any business department of China Merchants Bank, then log in to the China Merchants Bank website, click "Login to Personal Banking (Professional Edition)", and then follow the system Prompt to complete the installation of the professional version. Rich in information

The professional version can provide information inquiry on bank interest rates, foreign exchange rates and other information. It is equipped with detailed function introduction, usage guide, help files and demonstration programs to help you understand the various functions of the system.

System introduction

The public version of online personal banking is a self-service financial assistance system developed by China Merchants Bank based on the Internet platform to provide customers with all-weather banking financial services through the Internet.

As long as you are a bank card customer of China Merchants Bank (including "All-in-One Card", "All-in-one Card" Gold Card and "Golden Sunflower Card" and its co-branded cards/approval cards) or passbook customers, you can use the For bank cards or ordinary passbook accounts opened by banks, you can handle the following self-service services through the public version of online personal banking: query account balances and transaction details, transfer, change passwords, etc. In addition, you can also apply for online payment through the public version of online personal banking. Cards, self-service recharge and payment, investing in treasury bonds, applying for personal consumption loans, etc.

The public version of online personal banking has the following features:

Convenience

All China Merchants Bank customers automatically enjoy this service, and no application procedures are required.

The China Merchants Bank website is open 24 hours a day to meet the needs of customers at all times.

Security

China Merchants Bank website has obtained the security certification of VERISIGN, the world's most authoritative company. Data transmission uses advanced multiple encryption technology.

All data is encrypted and transmitted online, making it safe and reliable.

Personal account information and transaction information are not stored on the customer’s computer, preventing others from stealing it.

The public version does not charge a fee and does not require special activation, but the function is simple. It can only transfer funds to accounts in the same city under the same name, and can make inquiries and self-service payments. You only need to apply for the self-service transfer function at the counter.

The professional version has powerful functions, which is equivalent to moving the bank counter to the computer. It can basically do everything except withdrawing cash. However, the professional version is divided into two types: mobile digital certificate and file certificate. The former requires a USB flash drive cost of 100 yuan, while the latter is free of charge, but the security and convenience are not as strong as the former.

What are the advantages and disadvantages of online payment compared to traditional payment?

What are the advantages and disadvantages of online payment compared to traditional payment methods?

Advantages of online payment:

First, online payment can better meet the needs of e-commerce development. The operating environment of online payment is based on the open Internet. Traditional payments operate in relatively closed systems, such as post offices and banks, and have great limitations.

Second, convenience - online payment is available 24 hours a day, and consumers can pay via the Internet anytime and anywhere. However, traditional payment methods are limited by time and space, and it is difficult to meet the needs of many users in terms of time, space and other habits.

Third, fast - online payment can realize real-time query of order information, including whether the order has been successfully paid and other information. The traditional payment method requires the consumer to notify the merchant before the merchant can go to the corresponding unit to inquire. The process is cumbersome and takes a long time.

Fourth, economy - online payment has the advantage of low cost. This advantage is specifically reflected in several aspects such as low establishment costs, low business costs and low operating costs. In terms of bank single business costs, online payment costs are only 1% or less of traditional payment costs.

Fifth, online payment can also stimulate consumption. To a certain extent, online payment enables consumers to successfully complete the transaction process when their purchasing desire is strongest, thereby promoting the development of e-commerce.

Obviously, online payment is more convenient and faster than traditional payment, which is the key to its superiority. At present, the strong position of online payment in terms of functional scalability, technical security, system ease of use and other aspects is becoming more and more prominent. It is bound to become an important factor for enterprises to directly face the terminal market, improve economic benefits, reduce operating costs, enhance core competitiveness and The main method of capital flow to accelerate development.

Disadvantages of online payment: Judging from the actual market response, people still have many concerns about online payment. First, people's habits and ideas are difficult to change, and second, factors such as safety, technology and services cannot be ignored.