What do I need to open online banking? What do I need to prepare to open online banking?

1. E-wallet system.

E-wallets are a common payment tool used in e-commerce shopping, especially for small purchases. E-wallet users usually have an account in a bank. When using an e-wallet, install the corresponding application software first, and then use the e-wallet service system to transfer the e-money in your account.

When a payment or incoming payment occurs, the user simply clicks on the item on the computer.

The system is equipped with a functional management module for e-money and e-wallet, which is called e-money wallet manager. Users can use it to change passwords or security methods, as well as to view accounts, lists, and other data of electronic money payments and transactions in their bank accounts. The system also provides an electronic transaction recorder, through which customers can check the record of their purchases.

2. Payment gateways.

The payment gateway is the interface between the bank's financial system and the Internet, and is a group of servers that connect the bank's internal network with the Internet. Its main role is to complete the communication between the two, protocol conversion, data encryption and decryption, so as to protect the security of the bank's internal network. Without the payment gateway, the electronic payment function of online banking would not be possible.

As the online market continues to grow, the processing of online transactions will become a must-have feature for every payment system. Today's merchants are often inefficient in terms of data transmission, and with payment gateways, this problem can be effectively solved, allowing banks or traders to maintain their efficiency despite the rapid development of the online market and the continuous growth of online transaction volumes

3. Safety certification.

The e-commerce certification authority (CA) is established to solve the identification of the identity and credit of all parties involved in the transaction in e-commerce activities, maintain the security of the transaction activities, and fundamentally ensure the smooth progress of e-commerce transaction activities: it is essential to enhance the trust of all parties involved in online transactions, improve the security of online shopping and online transactions, control transaction risks, and promote the development of e-commerce.

Take ICBC as an example to introduce the whole process of opening online banking: Before opening online banking, I will apply for a debit card at ICBC with my ID card (if the minor does not have an ID card, you can hold the household registration booklet), and charge a card with a cost of 5 yuan and an annual fee of 10 yuan for the card, but if the average daily balance of the card does not reach 300 yuan, a small account management fee of 3 yuan will be charged every quarter, and the annual fee for ICBC's online banking is 12 yuan (temporarily exempted); If you apply for U shield, Goldpac, Huahong, and G&D, 60 yuan, and the production cost of the electronic password card is 2 yuan. First, open online banking and e-commerce functions at the ICBC counter, otherwise after logging in to the online banking, you can only make inquiries, and cannot transfer and pay externally.

Second, log in.

After the online banking system, select: **Install security control, install certificate driver, install ICBC root certificate, **personal customer certificate information, order** and install, if you apply for U shield, you also need to install the same driver as U shield. Thirdly, after logging in to Internet Banking for the first time, you need to change your Internet Banking login password to a combination of letters and numbers.

Fourth, after logging in to online banking for the first time, you need to set up one"Reserve verification information", which is used to verify the identity of customers when making ** payment in the future, in order to improve the security of ** payment. Fifth, in the online banking system, it is convenient to transfer and remit between cards and cards, and can also convert the current account deposit in the card into a fixed deposit, electronic remittance, inter-bank remittance is more convenient for customers to transfer and remittance, as well as ******** and other services, which are very rich in functions; After opening online banking, you can also easily recharge Alipay, online consumption, online payment, etc. Finally, when you want to change your personal information, you will need to enter a new bank card number or online banking account number!

ID card, bank card you opened, and the cost of production will do! When you go to the bank, you have to fill out a list and ask the staff!

To open online banking, you must have an ID card over the age of 18, open a card at the bank, and then open online banking at the same time.

Hello, you need your ID card and residence permit to open online banking. You can open a bank card, it's very simple, of course, you need to be at least 18 years old.

You can go to your local bank for advice.

I'm glad to serve you, thank you for adopting.

It's very simple, first go to the bank to open online banking, buy a U shield, and then use your bank card to bind Alipay on the computer, it's OK, thank you.

Go to the bank that asked for the bank card and say I want to open online banking, and that's how I opened it, it doesn't take three minutes, just go to the place where you want to open the bank.

Bring your ID card to the front desk of the bank business hall to fill in the application** on the line, it's very simple, and Alipay is registered and opened online, no need to talk to the bank!