The equipment requirements are different. ICBC electronic cipher can be used in multiple channels such as electronic banking without installing any programs. The U-shield must be connected to the computer through the USB interface, and the universal U-shield can also be connected to mobile devices such as mobile phones through the audio interface.

The applicable objects are different. ICBC electronic cipher can be used in personal online banking, mobile banking, telephone banking and other channels, and is especially suitable for customers who use iPhone, iPad and other mobile terminals to handle large-value payments. U-Shield is not applicable to telephone banking. The specific regulations are as follows: Mobile banking: You can use electronic cipher and universal U-shield, and you can also apply for "universal U-shield + cipher" at the same time; Online banking: You can use both, and you can also apply for "U-shield + cipher" at the same time; Telephone Bank: Electronic PIN code can be used.

Payment operations are different. The electronic cipher is a one-time password. Take the payment business as an example. When handling external payment services such as transfers, remittances, and payments, the operation page will prompt you to enter a set of "challenge codes" in the cipher (such as the payee account number and transfer amount in the transfer and remittance business). When the customer enters the "challenge code" on the dynamic cipher, the cipher will generate a temporary password based on the transaction elements. The customer can complete the relevant business operations by entering the random password generated by the cipher on the operation page.

The limits are different. The single RMB external payment limit for personal online banking and mobile banking electronic cipher customers is adjusted to 200,000 yuan. The RMB external payment transaction limits for personal online banking and mobile banking universal U-shield customers are 1 million yuan for a single transaction and 1 million yuan for a daily accumulation respectively.

Warm reminder: U-shield has the highest security level

Featured advantages of ICBC electronic cipher

1. Convenient and easy to use. This product does not have any physical connection with the computer. You do not need to install drivers to use it. It is simple to operate and portable.

2. Safe and reliable. When you use this product to handle various businesses, you can effectively prevent criminals from stealing passwords through fake websites, Trojan viruses, hacker attacks, etc., using one password at a time to ensure transaction security.

3. Widely used. You can use this product through multiple channels such as personal online banking, mobile banking, and telephone banking.

U-Shield Features and Advantages

1. Transactions are safer. With U-Shield, you can effectively prevent fake websites, Trojan viruses, phishing and other risks, and ensure the safety of electronic banking transactions.

2. Payment is more convenient. With U-Shield, you can easily complete large-amount transfers, remittances, payments and shopping through our electronic banking.

3. More comprehensive functions. With U-Shield, you can sign a personal financial management agreement through our electronic banking and enjoy unique financial services.

4. More services With U-Shield, you can also bind ICBC U-Shield to your Alipay account, and use U-Shield to authenticate your login to Alipay, thus ensuring the security of your Alipay account's funds. .

Reference materials: ?The relationship between ciphers, USB shields and password cards-ICBC?ICBC launches dynamic electronic cipher security authentication service-ICBC?ICBC electronic cipher-ICBC Bank? U-Shield - Industrial and Commercial Bank of China? Announcement on our bank’s launch of universal U-Shield and adjustment of electronic cipher payment limits