1. If you can't transfer money because you haven't signed a mobile banking contract, you must bring your CCB bank card and ID card to the CCB outlet to sign the contract. Only after signing a contract can you use all the services provided by mobile banking, otherwise you can only use functions such as inquiry, account management, payment, and online search.
2. If the account cannot be transferred due to abnormal account status such as freezing or payment suspension, the householder can call the customer service hotline of CCB 95533 and select "Personal Business" to enter the manual service. After verifying the identity, the staff will check the status of the card and eliminate the abnormal status.
3. If it is impossible to transfer money because it exceeds the transfer limit, in order to ensure the safety of funds, the householder needs to bring his ID card and bank card to CCB outlets for security authentication tools before adjusting the transfer limit.
4. If you can't transfer money because your identity information is out of date, click "3" in the upper left corner of the China Construction Bank APP on the "Home Page", and then click "Customer Information Modification"-"Certificate Validity" to update the certificate information.
It can be seen from the above that the failure of CCB's mobile banking transfer is generally caused by the failure to sign a mobile banking contract, abnormal account status, exceeding the transfer limit, and expired identity information. There are different ways to deal with different reasons, so everyone must pay attention.
Mobile banking refers to the channel mode in which banks use smart phones as carriers to enable customers to use banking services on the terminal. With the development of communication and Internet technology, the business functions of mobile banking are constantly updated and improved. Refers to the use of mobile devices such as mobile phones to realize the docking between customers and banks, and to handle related banking business or provide financial services for customers. Mobile banking is both a product and a channel, which belongs to the category of electronic banking.
Connecting customers' mobile phones with banks through mobile communication network is a brand-new business product, which can directly complete various financial services such as account inquiry and transfer through the mobile phone interface. That is, banks use mobile phones as carriers, rely on mobile GSM wireless networks, send short messages through mobile phones, and use mobile short message resources to operate bank accounts to realize the functions of "financial management" and "electronic wallet" of mobile phones. Simply put, mobile banking is the abbreviation of using mobile phones to handle banking-related business, and it is a channel for banks to realize electronization. It is a brand-new service mode that combines electronic money with mobile communication services.
Mobile banking consists of mobile phone, GSM short message center and banking system. During the operation of mobile banking, after the user sends an instruction to the bank through the menu on the SIM card, the SIM card generates a short message with a specified format according to the user's instruction and encrypts it, and then instructs the mobile phone to send a short message to the GSM network. After receiving the short message, the GSM short message system sends it to the corresponding banking system according to the corresponding application or address. The bank preprocesses the short message and then converts the instruction into the host system format. The bank host processes the user's request and returns the result to the bank interface system, which converts the processed result into short message format.
trait
Mobile banking is not telephone banking. Telephone banking is ICBC's voice-based mobile banking service, which is based on SMS. All the business conducted by telephone banking can be realized through mobile banking, and mobile banking can also complete the second transaction that telephone banking can't realize.
For example, banks can pay telephone, water, electricity and other fees on behalf of users, but generally they can only transfer money after the user confirms it. Because mobile banking uses SMS, users can receive the information sent by the bank at any time when they turn on their mobile phones, so they can confirm the transfer anytime and anywhere.
Compared with WAP online banking, mobile banking has outstanding advantages. First of all, mobile banking has a huge potential user base; Secondly, mobile banking can only be operated after the SIM card and account double passwords are confirmed at the same time, so it is safe. WAP is an open network, and it is difficult to guarantee that it will not be attacked in the process of information transmission. In addition, mobile banking has good real-time performance, and the turn-back time is almost negligible, while WAP needs always online for the same service, which will also depend on many uncertain factors such as network congestion and signal strength.