Why don t banks give U shields? Why are banks afraid of you doing U shields?

The bank does not give the U shield because the bank controls the risk, because the U shield will only be used in large transactions, and the user must have a reasonable reason for the bank to handle it for the user.

To apply for Bank of China e-shield, you need to go to the bank counter to handle it. Users need to open online banking if they want to bring it.

card and ID card.

To the bank, you also need to fill in the "Bank of China Shares **** Personal Comprehensive Service Information Application Form", and check the bank e-order Bank of China e-shield in the authentication toolbar, and then hand it over to the teller for processing.

At present, to apply for a bank card and open online banking, only if the transfer amount is relatively large, it will provide bank online banking Youdun, and this is the cost of payment, and it is more troublesome to open, but if you ask to open the other party and do not provide it, you can complain about the outlet.

It's hard to say, as an industry insider, first of all, look at how old you are, we generally rarely give young new customers a U shield, because the distribution of this is generally a large volume of customers only need, the general customer mobile phone verification code fully meets the daily settlement, now many young customers for the first time to open a card roll call to ask for distribution we are very vigilant, because the possibility of lending an account is very large because from his age industry can not be used, can only be euphemistically refused, if there is a reasonable use, You can apply again with a period of time if you really need it.

When you handle personal online banking business in the bank, you can use mobile banking, so you don't need to use Youdun, unless your own machine business volume is relatively large.

Now you can use a password card without a U shield, as long as it is not too much money, you don't need to use a U shield, and the password card is also very safe.

Go to the bank to apply for a type of card, ask him to ask for a u shield, he found a reason to say that the ** volume here is relatively large, let go to other districts to do it, you can wait a while and then find them to handle it.

Hello, the China Banking Regulatory Commission and the People's Bank of China are strict, there are many online frauds, and the U shield can transfer large amounts, and some banks have 5 million or more U shields a day. You buy a U shield, and then the card and the U shield are lent to someone else, and others use it to defraud, and then it is very difficult.

For large-value transfers of more than 50,000 yuan, mobile phone transfers are completely unrealizable, and you must use U shields! And now the mobile phone plug-in is so complicated, no shield transfer always feels unsafe, unless there is a new technical guarantee, otherwise each transfer will still use the u shield!

Recently, China Construction Bank (CCB) and Huawei jointly launched Mobile Shield Pay. With built-in Kirin security chips, Huawei phones can achieve one-stop mobile payment on mobile phones without inserting physical security media such as U shields.

The product was piloted at CCB Shenzhen Branch, and is currently only available for transfer payments for corporate customers. It is foreseeable that in the near future, large-value personal transfers will also enter the era of no U shield.

In 2003, ICBC took the lead in launching a tool for electronic signature and digital authentication for online banking in China, which was named "U Shield" because of its appearance resembling a USB flash drive and its security performance like a shield. Over the past ten years, domestic commercial banks have generally introduced this tool, and have continuously upgraded their security performance and user experience, and have successively innovated and launched the second-generation U shield with display screen, the universal U shield for computers and mobile phones, and the Bluetooth U shield.

At present, U shield is no longer the main payment tool promoted by various banks. It is mainly used for corporate users or VIP customers with large transfer needs. U shield usually costs more when received, generally between 30 and 70 yuan. VIP customers are usually free.

For ordinary users, the daily limit of ordinary SMS password version of online banking transfer plus mobile banking transfer is about 200,000 to 400,000, which is basically enough. At present, banks mainly promote mobile banking. Generally speaking, there is a handling fee for online banking inter-bank transfers, but mobile banking inter-bank transfers are free of charge, which is to allow the public to quickly accept and get used to emerging payment tools such as mobile banking.

However, new rules issued by the People's Bank of China earlier this year require banks to control transfer channel restrictions without payment authentication tools. It is estimated that in the future, banks will still need U-shields, payment tokens, and other tools.

<> currently, banks rarely recommend using U-shield or online banking. Why? The main reason is that the market demand is small and it is inconvenient to use.

What is U-Shield? This is a payment encryption technology. It is a cryptographic tool that is used to verify your payment information to keep your funds paid safely.

It is mainly used for online banking.

With the popularity of smartphones, mobile payment has become the most common payment method at present. Banks have also followed this development trend and launched mobile banking transfer methods, which are not only easy to use, but also fast and efficient. As a result, U-shield gradually entered the stage of history and was gradually replaced by more efficient dynamic tokens.

Of course, in special cases, the U-shield is a more secure payment verification tool than the token. Therefore, at the moment if you have more funds to transfer, such as more than 1 million, the bank will recommend you to use online banking. Another business user usually uses U-shield.

Under normal circumstances, the single transfer limit of U shield is between 2 million and 5 million, and the cumulative transfer limit on the day is about 50 million. When there is a lot of money, people are more cautious and are often willing to sacrifice some convenience for security, so they often use online banking.

Mobile banking is also highly secure. At the same time, it has a high level of convenience. Generally speaking, transfers below 5,000 yuan can only be completed through SMS verification.

It focuses on convenience and speed, and is suitable for the poor class who do not even have 10,000 yuan. Therefore, since U Shield is currently aimed at enterprises and local tyrants, banks usually do not run U Shield for us, but recommend mobile banking.

Nowadays, many banks are willing to let users bind mobile banking, and there will be fewer and fewer people who use U shield, because the use of U shield is more or less inconvenient, and it is not as convenient as mobile banking.

U shield involves a large amount of money transfer, so I am afraid that you will sell your own information after you finish it. 1. Users can directly handle remittance, payment, payment and other services through e-banking. 2. It is expected that in the near future, a large number of personal remittances will also usher in the era of no U shield.

Because the amount of money involved in this transaction is very large, if it is done for you, you are likely to sell your information.

Commercial banks are not reluctant to handle the U shield for people, but are afraid that the people who handle the U shield will engage in illegal activities such as telecommunications fraud, so for those who inquire about the handling of the U shield matters are unclear or the reasons are not sufficient, they will refuse to handle the U shield, especially in some large cities, there are many people engaged in telecommunication fraud, when they obtain a huge amount of money through telecommunication fraud, they will transfer the illegal funds obtained to other accounts through online transfers. If you transfer a large amount of money, you need to use U shield to carry out, and generally banks will only give them U shield for some merchants who do business or customers who ask for the reason for handling U shield and give a correct answer.

If you say that you transfer more than 100,000 yuan, you need to handle the U shield before you can transfer money online, many people engaged in telecommunications fraud, through the bank to open the U shield after the operation of transferring to multiple accounts, once the public security organs intervene in the investigation, in the face of the number of illegal operations with a large number of transfers, it will also bring great difficulty to the public security organs to solve the case, so in order to avoid such a thing, the People's Bank of China and the China Banking and Insurance Regulatory Commission will inform the bank to open the U shield business for large amount of fund transfers. If the staff does not verify the purpose of opening the U shield for the customer, they will be responsible for their own behavior, and once the person who opened the U shield participates in telecommunication fraud activities, then the staff of the bank will not escape their responsibility.

If you want to transfer a large amount of funds, you can go to the bank to transfer without opening a U shield, and you can choose to transfer funds to others by bank transfer, both of which can transfer funds to others, but in the process of transferring, you must tell the staff the name of the transferor, and do not tell the wrong staff about these transfer information, otherwise it is easy to have a wrong transfer error.

Because commercial banks will incur some other fees in the process of handling U shields, and the bank will not charge you this fee, so it will not handle it for customers.

The risk of doing a U shield is relatively large, and the U shield is generally used by large enterprises, and the transfer amount is particularly large, so commercial banks will not easily do it for individuals.

Because there is no way to control the risk, it will cause losses at any time, and the bank will not handle it without a suitable reason.

Because the bank has upgraded or even canceled the traditional U shield, it cannot be processed.

U shield is the abbreviation of digital certificate provided by banks, which stores the user's information and has long been a necessary tool for users to use online banking to transfer money or pay. For banks to upgrade or even cancel the traditional U shield, it will inevitably be accompanied by security questions and re-cultivation of user habits.

For security issues, Zhang Yi, senior director of CFCA business research at China Financial Certification Center, introduced that the development and strengthening of local security measures on the mobile terminal is the general trend, and in the case of increasingly fierce external challenges, banks must innovate in the field of financial technology.

Bank U shield is a small cipher device, which is mainly used for personal expenses, that is, the dual password of the password plus cipher can be used by individuals to complete transfers or withdrawals. In general, with this password, the security of personal accounts can take a new leap forward. Round.

The biggest role of Ushield is to provide users with security verification, so as to avoid the risks of Trojan viruses, false use, hackers and other operations when users use ** bank transfers and remittances. When the user usually uses a bank card to transfer and remit payment, the system will directly prompt the user to insert his own U shield, and then the system will check the user's identity, and after confirming the operator of the card, the corresponding operation will be carried out.

After applying for U Shield, users can immediately change the password at the bank counter, or use the supporting certificate tool software to change the certificate password, or log in to the personal ** bank and change the certificate password in Customer Service - Personal Certificate Management - Personal Customer Certificate Password Update. If you forget your U shield password during use, you can bring your U shield, your bank registration card and valid ID card to ICBC outlets for password reset.

Precautions: 1. The service period of the U shield certificate document is five years. One month before the service expires, the ICBC e-banking system will prompt you to renew the certificate to extend the service period of the certificate.

2.If you accidentally lose your U shield, please go to ICBC outlets immediately to apply for freezing your U shield to ensure the safety of your funds. If it is confirmed that the U-shield is missing, you can apply for a replacement certificate.