Security and convenience have always been a contradiction, and it is most appropriate to use them in online banking. I have used Agricultural Bank of China online banking for several years, and I love it. I occasionally dive into Haikang, and today I boldly share some of my experiences for everyone’s reference. It is also intended to help everyone make good use of Agricultural Bank of China’s online banking and facilitate your economic and financial life. As for learning knowledge, I think learning is better than scolding --- if the scolding is because you don't understand it. Therefore, this post will not accept your abuse, please respect yourself. Before doing anything, you should read the manual carefully. It is said that "if a worker wants to do his job well, he must first sharpen his tools" and "sharpening your knife will not stop chopping wood." I have read many homepages of online banks, and the documents are very rich and detailed. Unfortunately, many students here have only a little knowledge and never read other people's documents in advance. How can I use other online banks well? The goal of any bank's online banking is to make it available to anyone who can access the Internet. Unfortunately, not everyone who can swim dares to float on the Yangtze River. There are gaps among banks and there are gaps among customers, and everyone must work hard. 1. Registration 1. You can log in to the Agricultural Bank of China online banking using a bank card, but the functions are very limited. You can only do transactions such as balance and detailed inquiries. The Agricultural Bank of China calls this a "card number login" for public customers. But be sure to remember that for security reasons, the password used when logging in is the bank card inquiry password--not the payment password you use to withdraw money--if you happen to set these two passwords separately. 2. You can also log in using a nickname, which is the so-called "customer name login" public customer. But the functionality is still very limited. If you want to do something professional, you have to register for a certificate. 3. When registering for a certificate, you need to bring your ID card, registered passbook or bank card (debit card, quasi-credit card). When registering, you need to use an online banking channel password. Please remember this password! Because you will need this password when you go to the website to add, modify, or delete your account in the future. Setting this password can prevent tellers from committing crimes internally and tampering with your online banking registered account information. If you forget this password and need to report the loss and reset it, it is a very time-consuming and patient thing - this is also one of the reasons why many students criticize Agricultural Bank of China's online banking. 4. After the certificate registration is completed, the bank will provide a password seal printed with "authorization code and reference number" (hereinafter referred to as the "two codes"). Remember, this password seal is valid for 14 days. Many people ask why there is such a deadline? It's actually very simple. This is also to protect the security of your registration information. Among the "two codes", what you should pay attention to is: there is only the number 0, no letter O; only the number 1, no letters I and L. If you can't see 8 and B clearly, then you can only blame the printer, but you can try more Once, you'll know. If you have not downloaded the certificate for more than 14 days, or need to re-apply for the "two codes" to download a new certificate, you need to bring your ID card, a previously registered card or passbook (mainly for swiping magnetic strips, Agricultural Bank of China registration online banking is not allowed Employees manually enter account or card numbers). Don't say I didn't warn you, and don't sulk about taking that extra trip. 5. If you do not need USB-KEY (K treasure), you must use a password card for certificate registration. This is also to protect the security of your funds. The password card uses a password matrix and is very safe as long as you keep it well. 2. Making and Keeping Certificates 1. To download the certificate to USB-KEY (K Bao) through the "two-code" seal, you must first install the corresponding driver. There are detailed and clear prompts on the "Certificate Download" related page. 2. On the download page, enter "two codes" and press "OK" and "Yes" all the way until you select the storage medium - one is the IE certificate storage area and the other is USB-KEY (K treasure), according to your own situation Make a choice. It is necessary to talk about USB-KEY here. Although its interface is USB standard, it has a built-in micro smart card processor that uses a 1024-bit asymmetric key algorithm to encrypt, decrypt and digitally sign online data. , it may be possible to crack in theory, but its implementation phase is almost impossible in practice. For example, Professor Wang Xiaoyun of Shandong University successfully cracked MD5. This was a result in a laboratory. It has a slight impact on reality, but it is not big--although the application aspect has begun to abandon the MD5 algorithm. It should be said that USB-KEY (K Bao), as a carrier for online banking certificate storage and digital signatures, can technically reassure students. This is one of the reasons why banks recommend that everyone spend tens of thousands of dollars to buy this thing---because it currently has the highest security level. You’ve already bought a house, but you can’t bear to buy a good lock? 3. If you choose to store it in IE, your best practice (and necessity) is to export your certificate as a .pfx file and back it up offsite (note the word offsite, for example, you can back it up to a USB flash drive and put it under the bed). (in the cork of a bed board), if your computer fails and needs to be reinstalled, you only need to re-import this file. But please note: when you back up, be sure to check the "Export Private Key" option, otherwise when you import it again in the future, it will be an empty shell - without the private key. Many students attribute this problem to the Agricultural Bank of China, which is unjust, because IE is designed that way. When importing, it is recommended that you set strong protection. Although you have to enter a password every time, you will be more at ease when others use your computer - without this password, it is impossible for him to export.

In addition, be sure to set an 8-digit certificate protection password in English and numbers when exporting, and keep it in mind. In this way, even if someone steals your file, he will still have to work hard to crack the password. I have always believed that security awareness is much more important than security measures. As long as there are strict measures, if you don't pay attention to it yourself, safety will be in vain. 4. If you choose to store it in USB-KEY (K treasure), remember to set a protection password, preferably a mixture of English and numbers. The certificate stored in USB-KEY (K treasure) does not need to be exported. The private key is inside the USB-KEY (K treasure). You can just unplug it and take it with you. 5. I found that the Vista system does not support downloading the Agricultural Bank of China online banking certificate. Therefore, students can download the certificate on computers with other systems (such as XP, 2000) and use it on Vista. 3. Log in to Online Banking 1. If it is an IE certificate, you can see an 11-digit online banking certificate number in "Internet Options" - "Content" - "Certificate", separated by a "." , indicates the number of times you have updated. If you want to export the certificate, select it and that's it. 2. If you use USB-KEY (K Bao), if you have installed the driver and log in, you will get an error such as "corresponding certificate required". Let me tell you a way: please enter from the "Start" menu and open the "China "Agricultural Bank of China Online Banking Certificate Tool Software" - "China BGI" - "CSP Tool", first check if there is anything in the "Device Code List". If there is, it means the device driver is successful. Then click on the "Certificate Operation" tab and "View Certificate". If "Container" appears and there is corresponding certificate information below, it means that the certificate is also available. Then you only need to "register the certificate", close all IE pages, log in again, and you will usually find the certificate. If you look inside the certificate in IE, you will see your certificate number. 3. Select "Certificate Login" to log in to Agricultural Bank of China's online banking. 4. Usage 1. When logging in, you need to enter your certificate protection password. Remember, you only have six chances to enter it incorrectly. If you enter it incorrectly more than six times, your USB-KEY (K treasure) will be locked (not scrapped) , it can be initialized and reused. You need to go to the counter to apply for two codes again and download them again). This is also to protect the safety of your funds. 2. If you log in to online banking and then log out without closing all IE pages, you do not need to select a certificate and enter a password when you log in next time. Anyone who knows technology knows that this is due to the page session. However, if you unplug the USB-KEY (K treasure), it is best to remember to close all IE pages, but to do some financial transactions, you need to read the USB-KEY (K treasure) in real time, so there is no need to Worry too much. Many students are tired of having to enter a protection password for every important transaction step of the Agricultural Bank of China. However, as I said at the beginning, security and convenience are contradictory. I think it is a negative thing for the bank to do this out of the protection of your transactions. Responsible. Because you don’t think it is a troublesome thing to open the door lock again every time you enter and go out. The principle is safety and attention to detail. 3. Similarly, if you do not perform any operations within a certain period of time, the login session will end. If you perform any further operations, you will be prompted to log in to online banking again after the operation has expired. 4. Remind students to try not to use online banking on public computers (not just Agricultural Bank of China, everyone knows the reason). If you really want to use it, you should also check the computer security environment and try to use USB-KEY (K treasure) to log in. . 5. If you are a financial person, remember to develop the habit of unplugging the USB-KEY (K treasure) after completing the transaction and carrying it with you. As long as your USB-KEY (K treasure) is online, you have to believe that the current Trojan virus is powerful enough to accomplish things that you think are impossible. 6. Several important transactions a. Transfer. If you transfer to another bank, it requires manual processing by your account opening bank, so there is a delayed process. The Agricultural Bank of China calls it "landing", which corresponds to "real-time" transactions. However, after a while, the transfer to another bank will It will also be processed in real time. Payee management. First, attention should be paid to grouping the payees, so that the account to be transferred can be quickly located among a large number of customers; second, the input of key elements, such as "bank type" and "province type" must be selected accurately, " The "Account" name must be accurate (including spaces), because the account name needs to be compared in the backend database (limited to Agricultural Bank of China accounts). The two elements "city where you are located" and "bank branch where the account is opened" can be entered very roughly if you are transferring to an Agricultural Bank of China account, but if you are transferring to another bank, you must enter it accurately, because after manual processing by the branch, some businesses need to go through The way of exchange is to walk the ticket. As the address is unknown, how to deliver the letter to you? b. Dinghuotong business. If you use a debit card, you can open unused funds in the form of a sub-account under the debit card as a recurring account. Isn't it very convenient? However, when canceling an account on a regular basis, you must calculate the time well and not exactly the expiration date of the fixed deposit period. Because the bank backend needs to do end-of-day processing, the accounting date may not be consistent with Beijing time. It is best to postpone it to the next day. Close your account in the morning, otherwise your deposit will be treated as a current deposit. What a pity? c. Roaming remittance.

You only need to fill in the payee's name, amount and password to generate a roaming remittance business. You or your classmates can redeem it at any ABC branch or online banking across the country with a roaming number and password you give them. to the Agricultural Bank of China account. Very convenient, right? But be sure to keep your roaming remittance information properly. d. Credit card. You can maintain your own credit card, check statements, transfer repayments, and agree on repayments on online banking. Only the credit card query password can be modified here. The payment password needs to be modified at an outlet or ATM. e. Pay online. Various payments can be easily made based on the payment functions enabled in your area. f. Open-end funds. Not to mention the function. However, we should pay attention to several issues. First, the fund trading hours of Agricultural Bank of China are consistent with the trading hours of securities institutions. Many students are dissatisfied with this point. Financial transactions are just that, but I also think that at least the query function should support 24 Second, fund card replacement. If you have purchased funds with your previous debit card and have not redeemed it, remember to do a card replacement transaction here after applying for a new card at the counter. Agricultural Bank of China's funds now include market inquiry, fund information inquiry under the account, subscription (subscription), redemption, fixed investment, etc. Although there are some time constraints, the types of funds that Agricultural Bank of China can choose from are very rich, which everyone has witnessed, and the varieties of many funds are quite good. g. Personal information management. The first is to change the account password. You can change your payment password and inquiry password. The so-called inquiry password is exclusively for public customers of online banking and telephone banking. The second is client certificate update. The Agricultural Bank of China online banking certificate is valid for two years. If it exceeds two years, you need to apply for the "two codes" again before downloading. Therefore, before expiration, you can regenerate the "two codes" here and download the certificate as mentioned above. Process operations. However, it should be noted that once the "two codes" are generated, the original certificate will be invalid, and the .pfx file you exported last time cannot be used after importing it. Therefore, after downloading the new certificate (the 11-digit certificate number does not change, just the number of updates is accumulated at the end), be sure to remember to re-export the new .pfx file and save it offsite. h. Remember to press the "Exit" button to end the session after use. Use USB-KEY (K treasure) and remember to unplug it. i. Troubleshooting: First, do not set the security level of IE too high. "Default level" is best. Otherwise, if it is too high, it will prevent the ActiveX control from loading. At that time, the signature of financial transactions will be wrong: for example, you can check the balance, but Transfers cannot be made, so for general login problems, you only need to "reset browser settings" and set the security level to default, and finally reinstall the client program to solve it; the second is to check whether you are immune. I encountered this once. The Agricultural Bank of China's online banking was immune. I could tell by checking it using the upiea tool. The third is the conflict between Xunlei plug-in and Agricultural Bank of China’s online banking. It has to be disabled in "Manage Add-ons" before it can be used normally, so I can't use Thunder to download things. Fortunately, I always use flashget. The fourth is...I haven't thought of it yet, and students are welcome to add. 5. Online Shopping 1. Certificate payment. All students who have registered an Agricultural Bank of China online banking certificate can use the "Agricultural Bank of China Certificate" method to make online payments. The advantage is that there is no limit on the amount or frequency, and it is very safe. 2. Electronic payment card payment. All Agricultural Bank of China cardholders can use this method to make online payments. But there is a limit (it seems that a single transaction does not exceed 200, and the daily cumulative amount does not exceed 200). First, you need to apply for an electronic payment card. Click "E-commerce" on the homepage, "Customer login area" - electronic payment card, enter the card number and query password, and enter the electronic payment card management page. If you use a debit card to log in, please pay attention to "CVD2" - also called the card record number, which is a 3-digit Arabic numeral recorded at the bottom of the card surface. If you are using a quasi-credit card to log in, pay attention to the 4-digit expiration date on the card. Second, is the use of electronic payment cards. After successfully applying for an electronic payment card, a series of numbers will be returned. With this number, you can complete online payments within the limit within the time limit. Unfortunately, Agricultural Bank of China online banking does not support online payment by credit card. Hope to support it in the future. 3. Remember to keep your bank card and bank card information - even if you use the card to make purchases, don't let the bank card out of your sight. Occasionally, I hear students say that their bank cards have been used by bad people for online payments, such as buying game coins, Q coins, etc. I can only say that these students are too careless---I am a repeat customer. People who don't throw away things carelessly will be broken into pieces when they are thrown away. Take the Agricultural Bank of China bank card holders as an example. To apply for an electronic payment card online, there are several necessary elements: query password (the bad guy may know it), ID number (well, do the bad guys know this too? If you know it, it’s someone around you) People and people who have access to your sensitive information), card information: CVD2 code or expiration date (well, if bad guys further maliciously peek at your information, you will be almost dead). It is precisely because electronic payment cards have higher risks than certificate payments that they have been processed within a limited time limit. Unfortunately, some students here scolded them, but if the information of these students is stolen by bad guys, The funds were stolen, but because of the limit and time limit protection, the loss was relatively small, so maybe he wouldn't curse so loudly.

4. When paying from the B2C website, click on the Agricultural Bank of China’s logo, and the page will guide students to the Agricultural Bank of China’s payment page. When you reach this point, turn left for "certificate payment" and turn right for "electronic card payment". Follow the signage instructions to avoid a last-minute kick. 5. You must not have the intention to harm others, and you must not have the intention to guard against others. Online shopping is originally a trap and convenience, risk and fun. With more awareness of safety precautions, we can truly sit back and relax and be at ease. By extension, it's not just Agricultural Bank of China online banking, not just online surfing, it's the same. 6. Ending You are welcome to discuss this with your classmates. Using online banking is to facilitate our lives, not to restrict it; it is to learn new financial tools, not to rest on our laurels. Online banking is an emerging product for Chinese people. Its development and growth cannot be separated from everyone who loves it, and of course it cannot be separated from those who throw bricks. But don’t leave me alone, coding is very tiring---I haven’t written so many words in love letters:) From the perspective of a bank, first of all, it is to ensure the safety of customers’ funds, and secondly, convenience Safety and speed---no bank is willing to build a system where all customer information and funds will be lost. From the user's perspective, generally speaking, convenience is the first priority, followed by safety and speed. It’s difficult. It’s actually very difficult to find a balance point. It is best to be convenient and safe. I believe in Agricultural Bank of China and Agricultural Bank of China’s online banking. It must be developing in this direction---we will wait and see. It was written in such a hurry and hastily, coupled with the limited level, I may not have said what I wanted to say, but I hope this article can help students who love Agricultural Bank of China online banking.