Electronic account is an online bank account provided by China Industrial and Commercial Bank to customers who do not hold savings cards or accounts of China Industrial and Commercial Bank. Investment and wealth management related transactions can be completed online through electronic accounts. According to the Administrative Measures for Electronic Banking of Industrial and Commercial Bank of China, electronic banking refers to the off-counter financial services provided by banks to customers through communication channels or public networks open to the public, as well as private networks established for specific self-service devices or customers.

1. Electronic account refers to online financial services such as electronic account management provided by financial institutions such as bank cards, credit cards and insurance companies. The customer's credit card number or bank account number is a sign of e-commerce. Electronic accounts ensure the security of their operation through technical measures such as customer authentication, digital signature and data encryption. Functionally, electronic accounts have most of the functions of debit cards, which can realize multi-account management and enjoy all-round personal financial services such as investment, wealth management, financing, online payment and business expenses payment. In addition, after opening an account, family funds can be managed and collected in a unified way. Specifically, after opening the account inquiry contract and the agreement payment contract, the account holder can add the bank card accounts of his own bank and family members to family account through account management, so as to manage the funds of family account in a unified way.

China Industrial and Commercial Bank has the most advanced technology level in China. On the basis of data centralization project, ICBC successfully put into production the All-functional Bank (NOVA) system in 2003. Together with the data warehouse which provides technical basis for personalized service, this system constitutes an international advanced financial information technology platform, which provides a strong impetus for the progress of business and management. With the strong support of scientific and technological means, various businesses of China Industrial and Commercial Bank are constantly innovating. The three-dimensional service system of electronic banking, which consists of self-service banking, telephone banking, mobile banking and online banking, is becoming more and more mature. More than 400 cities have opened online banking. In 2003, the transaction volume of electronic banking reached 22.3 trillion yuan, and the transaction volume of online banking was 19.4 trillion yuan.