That's because your U shield is not installed correctly, and bank online banking can't verify that you are who you claim to be. If you use XP operating system, you should first delete the installed and then install it on the CD. If you use VISTA, you can't use your own CD. You have to go to the upgrade package driven by ICBC website and enter personal online banking. U shield is different from online banking, but the upper online banking of U shield can't get in. Select u shield management above. Download 1, 3 U shield self-service download and u shield tool software download. After downloading, there should be smart card management under the start menu program. You can change the U-Shield password by inserting the U-Shield. If you don't understand, I'll give you a suggestion. After entering the U shield management, the step-by-step operation will be notified by 95588. You must call 95588.