According to the Articles of Association of Electronic Banking of Shanghai Pudong Development Bank:

Article 23 Customers are obliged to take all necessary risk prevention measures to use electronic banking safely. These measures include, but are not limited to:

(1) Keep all important information related to electronic banking, such as identity documents, bank cards, passbooks, passwords, digital certificates, mobile phone receiving dynamic passwords, etc. Don't leave personal information such as card number, ID number and common telephone number on untrusted websites or other places to prevent others from using them.

When changing the mobile phone number, the mobile phone number related to e-banking should be updated in time, and it should not be set as the mobile phone number of others, and the content of dynamic password SMS should not be forwarded or informed to others to prevent being used by others.

(2) Protect your password and don't tell anyone, including bank personnel; Do not record or save on computer, telephone, mobile phone or other electronic equipment; After handling business through mobile phone or telephone with the function of storing and displaying the input number, the entered password and account number should be cleared immediately.

Under any circumstances, Shanghai Pudong Development Bank will not ask customers about the contents of the password. When others (including bank personnel) ask customers for bank passwords, they shall not provide them, otherwise they will bear the consequences.

Customers who temporarily leave or complete transactions during the use of e-banking should quit e-banking in time. If you use a mobile certificate, you should take out the storage medium of the mobile certificate from the computer in time and keep it properly. If self-service equipment is used, the bank card shall be taken out from the self-service equipment in time and properly kept.

(3) Avoid using information that is obviously related to me (such as birthday, common telephone number, ID number, etc.). ) or characters with obvious regularity (such as repeated or continuous numbers) as passwords; The password of e-banking business should be different from other passwords (such as passwords of other website members, e-mail passwords, etc.). ); The inquiry password and transaction password of e-banking should be set to different contents and changed frequently.

(4) Take effective measures (such as installing anti-virus software, network firewall, etc.) to protect the safety of computers, mobile phones and other mobile terminals and other electronic equipment used for e-banking business, and prevent information from being leaked or manipulated by others. Don't use personal online banking on computers used by many people, such as Internet cafes, and don't use mobile banking on other people's mobile phones.

(5) Handling personal online banking only by logging in to www.spdb.com.cn or ebank.spdb.com.cn, and not logging in to online banking through other websites or links; Only by logging in to wap.spdb.com.cn or the mobile client can you download the mobile client software from the website of Shanghai Pudong Development Bank or the software download website designated by the equipment.

(VI) Customers should always pay attention to the changes of account funds. When they find that the account is manipulated by others, the password is leaked or other suspicious circumstances, they should immediately go through the procedures of reporting the loss of the account, canceling the account or modifying the password. If you have any questions, you can inquire through 95528 telephone banking or go to the business outlets of Shanghai Pudong Development Bank.

(7) For customers who use mobile certificates, it is suggested to increase the mobile phone dynamic password protection according to the personal online banking operation tips. If the customer can't get the mobile phone dynamic password normally because of going abroad for a long time, please turn off the mobile phone dynamic password protection in time to ensure the normal operation of the customer who uses the mobile certificate.

Extended data:

Charge standard:

ICBC: 0.2 yuan/Article or 0.3 yuan/Article is accepted according to the number of short messages sent. Remittances from different places are charged according to the personal remittance charge standard at the counter, that is, 1% of the single remittance amount, with the lowest 1 yuan and the highest in 50 yuan. Did the handling fee give a 20% discount to the remittance? [6]? .

China Construction Bank: remote transfer (remittance), inter-bank transfer and transfer to enterprises. As of 20 10 12 3 1, these three kinds of transfers enjoy a 0. 15% fee discount, ranging from 1 yuan to 15 yuan.

China Merchants Bank: Mobile banking transfer and remittance services (excluding transfer out of agreed accounts) will be handled before the end of October/October/May, and the national transfer and remittance fees will be free.

Everbright Bank: Our bank or my account transfer is free in the same city, and a handling fee of 0.5% of the transaction amount is charged in different places (the lowest in 2 yuan and the highest in 20 yuan). A handling fee of 0.5% of the transaction amount is charged for inter-bank remittance in the same city (lowest in 5 yuan and highest in 50 yuan).

Bank of Communications: 6 yuan's monthly mobile phone service fee (always free), foreign counterparts and other banks in the same city charge a handling fee of 0. 1 5% (50% off), while foreign banks charge 0.3% (50% off), ranging from1yuan to 15 yuan.

Agricultural Bank: 2 yuan/month service fee for SMS service. Domestic transfers and remittances with all banks are up to 50,000 yuan per day, and the handling fee is free.

Minsheng Bank: Free of charge.

The five major banks jointly transfer money and remit money for free.

2065438+On February 25th, 2006, China's five state-owned commercial banks: Industrial and Commercial Bank of China, Agricultural Bank, Bank of China, China Construction Bank and Bank of Communications held a signing ceremony in Beijing.

The five major banks promise to waive the handling fee for domestic RMB transfer and remittance handled by customers through mobile banking, and waive the handling fee for domestic RMB online bank transfer and remittance for customers below 5,000 yuan, thus reducing customer expenses.

Mobile payment is not queued:

The difficulty of queuing in banks has always been a headache for consumers. In fact, queuing can be avoided through the electronic channels of mobile banking.

Taking China Bank as an example, to realize the payment of public utility fees by mobile banking, it is only necessary to have a mobile phone that supports Monternet and has WAP Internet access function, and carry the Great Wall RMB electronic debit card of telephone banking to handle mobile banking.

The process of mobile banking payment is very simple: use your mobile phone to enter the "payment page", enter the bill barcode and amount, and click OK to complete the bill payment, which is very convenient.

China Bank Mobile Banking can pay the water, electricity, gas, telephone and mobile phone charges of China Unicom. In addition, mobile banking can also inquire about past payments.

Mobile banking ensures timely transactions;

When consumers can't access the internet or the bank's landline is busy, you can really feel convenient and fast after opening mobile banking.

Ms. He is a big fan of mobile banking. She once had a successful experience of speculating foreign exchange in taxis with mobile banking. In the face of the ever-changing foreign exchange market, Miss He can't get online in time.

First use the mobile phone to inquire about the foreign exchange market that needs to be bought and sold, and then know the price before conducting the entrusted transaction. Finally, use the entrusted inquiry function in mobile banking to confirm whether the transaction is successful. The whole operation process is completed in a few minutes.

24/7 SMS control account:

Short message service has become the most commonly used communication method for mobile phone users. Mobile banking also has SMS function. The bank will actively inform the user of the account information such as how much salary has been paid, whether the remittance has arrived, and whether the repayment has been successful.

Take China Industrial and Commercial Bank as an example, its mobile banking service is suitable for various manufacturers and models of mobile phones. ICBC mobile banking customers can get 24/7 service as long as they edit and send short messages in a specified format.

Free account inquiry, instant transfer and remittance, donation, payment of telephone charges and mobile phone charges; At the same time, due to the rapid development of e-commerce, ICBC mobile banking also provides customers with real-time payment services for online consumption.

Full encryption for security:

Compared with online banking, mobile banking is not easy to be attacked by hackers, and it is more private and safer. The mobile banking of China Construction Bank is connected by a dedicated communication line, and it is encrypted from the mobile phone end to the bank end.

At the same time, the digital signature mechanism and the binding mechanism between mobile phone and card are adopted to ensure the safety of customer transactions and account funds. When customers use mobile banking, the information they browse will be deleted immediately after exiting and will not be left in their mobile phones.

All information is actually stored in the bank. So even if the mobile phone is lost, even if someone finds it and doesn't know the account password, they can't enter the mobile banking.

Baidu encyclopedia-mobile banking

Official Website of Shanghai Pudong Development Bank-Articles of Association of Electronic Banking