Digital certificates are divided into "mobile digital certificates" and "file digital certificates". "Mobile digital certificate" is something that looks like a USB flash drive. It is safe and easy to carry, but the price is about 100 yuan. The "file digital certificate", IE browser certificate, is low in cost, and only needs to pay a one-time handling fee or a small annual fee, about 10 yuan, but customers can only use it on computers with this certificate, so it is suitable for users with fixed computers.
At present, online banking is mostly divided into mass edition and professional edition. The professional version must be applied for by the user himself at the bank outlet, while the popular version allows the customer to open it online with ID card, account number and password. The difference between the popular version and the professional version, that is, whether to apply for a digital certificate, is mainly manifested in:
The popular version only has basic functions such as inquiry and micropayment, and is limited by the amount of single payment and the total amount of one-day payment. Professional users with digital certificates can enjoy services such as unlimited transfer payment.
In addition, with the use of digital certificates, even if the card number and password are stolen, online banking operation cannot be carried out without digital certificates, which protects the security of online transactions. And when using the digital certificate issued by China Financial Certification Center to conduct online transactions, if the account is stolen and losses are caused, individual users can get compensation of up to 20,000 yuan.
At present, among all online banking, only ICBC provides "mobile digital certificate", China Merchants Bank, Shanghai Pudong Development Bank, China Construction Bank and Agricultural Bank provide "document digital certificate", and Xingye, Minsheng, CITIC, Shenzhen Development Bank and Shanghai Bank all provide digital certificates issued by China Financial Certification Center. Everbright, Bank of China, Guangfa, Bank of Communications and Huaxia do not provide digital certificates.
Password verification
"User name+password" is the most basic way to guarantee online banking. In the process of using online banking, login password and payment password will be involved.
Login password is the password used when logging in to online banking. When it comes to transfer payment, the system will ask for the payment password, which can ensure the security of the account funds. The bank suggests that the login password and payment password should not be the same.
In order to prevent people from logging into other people's online banks by guessing passwords, banks provide protection measures.
ICBC: If the login password and payment password fail for three consecutive times on the same day, the bank will temporarily freeze the online banking transaction qualification on the same day and automatically unfreeze it the next day; After 10 consecutive failures, the bank will freeze the online transaction qualification, and the user needs to reset the password at the counter.
Xingye: The online account number entered incorrectly for 6 times has been locked and needs to be decoded at the counter.
PUFA: Unable to log in within 15 minutes after three password errors. The more mistakes there are, the longer you can't log in.
Bank of China: Three consecutive mistakes, the system will lock the user for 24 hours.