The difference between online banking and mobile banking, and the difference between online banking

1. The carriers are different

Online banking is the use of computers to access the Internet to handle personal business.

Mobile banking is the use of mobile phones to access the Internet to handle personal business.

2. The charging standard is different:

Internet banking generally charges a fee for internet access.

In addition to charging Internet traffic fees, most of the mobile banking also requires some service fees, of course, the service fees are within the acceptable range of the public.

3. Different degrees of convenience:

The premise of online banking is that you have a computer with Internet access.

The premise of mobile banking is to have a mobile phone that can access the Internet. Compared with the former, it is more common to use mobile phones, and it is more convenient for the public to use mobile phones to check balances, pay bills or transfer money anytime and anywhere.

Note: Mobile Banking and Internet Banking are both electronic banking services of banks. It provides services such as external transfer and e-commerce, but the terminal of mobile banking is a mobile phone, and the terminal of online banking is a computer. The functionality is exactly the same as the service.

The difference between mobile banking, online banking, and ** banking:

Mobile banking, online banking, ** banking, collectively referred to as "electronic banking", their biggest difference is the use of different networks, mobile banking is the use of mobile phones to trade online, can be used for transfers, payment, mobile banking can not be used on the computer. Online banking is to use the computer to trade online, but can not be used on the mobile phone Internet, can be used to shop in any **, can also be used to transfer money online, recharge phone bills, recharge Alipay, recharge Tenpay, recharge QQ, in short, online money can be used everywhere. **The bank is to use **(mobile phone) to call the bank's customer service**, and then follow the voice prompts to operate, and the contracted ** bank handled in the bank can also be used to handle the transfer business.

Just take the hukou area, or other photos and ID numbers, don't worry, the bank can do it as long as you have a hukou book, and a little bit, bring money.

Different carriers, different degrees of convenience, different opening sequences, different transfer rates, and different login authentication methods.

1. The carriers are different

Online banking is generally used through computers, but it can also be used on mobile phones; Mobile banking can only be used on mobile phones, and mobile banking generally refers to mobile phone software developed by banks.

2. The degree of convenience is different.

The premise of mobile banking is to have a mobile phone that can access the Internet. Compared with computers, mobile phone users are more common, and it is more convenient for the public to use mobile phones to check balances, pay bills or transfer money anytime and anywhere. The premise of online banking is to have a computer with Internet access.

3. The order of activation is different.

Generally, when users apply for a card at the bank counter, the staff will ask whether to open online banking, and users can choose to open it or choose not to open it, and mobile banking must be used after opening online banking, so to speak, to a certain extent, mobile banking is a continuation of online banking.

4. The transfer rate is different.

The general transfer rate of online banking will be required according to the amount of transfer, while the transfer fee of mobile banking is basically not required.

5. Different login authentication methods.

The main verification methods of mobile banking are password, fingerprint, face recognition, SMS verification and other methods, through which functions such as login transfer can be realized, and it is very convenient. The verification methods of online banking are passwords, mobile phone SMS and U shields, which are not flexible enough compared to mobile banking.

Comparison of the security of online banking and mobile banking:

1. Mobile banking.

Mobile banking is secure. The binding of mobile banking customer identity information and mobile phone number, the encryption of data transmission throughout the process, and strict password control all ensure the security of mobile banking. And the most important reason is that there is no virus replication problem with the phone.

2. Online banking.

The risk of online banking is largely due to the fact that it is in the open Internet and is vulnerable to hacker attacks, especially the existence of risks caused by hackers who illegally obtain customers' account information and passwords by placing malicious Trojan horses.

Online banking and mobile banking are two different service carriers and service channels launched by banks, both of which are e-banking, which are different service functions launched for different consumer habits and requirements. The differences between the two are as follows:

1.The payment method for transfer transactions is different.

If you want to transfer money in online banking, you need to install U shield on the computer for security protection of account information before entering the password for transaction; If it is a mobile banking transfer transaction, according to the requirements of different mobile banking apps, some only need to enter a password, some need a password + fingerprint confirmation, and some need a password + verification code, etc.;

2.The level of convenience is not the same.

When there is no computer to handle the relevant business procedures, mobile banking makes up for the inconvenient functions of online banking.

Extended information: 1. Introduction to mobile banking.

Mobile banking refers to the channel model in which banks use smartphones as carriers to enable customers to use banking services on this terminal. With the advancement of communication and Internet technology, the business functions of mobile banking are constantly updated and improved. It refers to the use of mobile phones and other mobile devices to realize the connection between customers and banks, and to handle relevant banking business or provide financial services for customers.

Mobile banking is both a product and a channel, and belongs to the category of e-banking.

2. Introduction to online banking.

Internet banking is the abbreviation of online banking, that is, part of the bank's business is moved to the Internet to complete, and customers do not need to go to the bank counter, but can be realized through the computer.

Internet banking: A bank that uses the Internet as its main business channel and service carrier. Compared with traditional banks, it has the advantages of fast and convenient, strong immediacy and strong interaction.

3. Advantages of online banking.

1) Reduce the operating costs of banks and effectively improve the profitability of banks. The establishment of online banking business mainly makes use of public network resources. There is no need to set up physical branches or business outlets, which reduces the use of personnel and improves the efficiency of the bank's back-office system.

2) There is no time and space limitation, which is conducive to expanding the customer base. Online banking breaks the geographical and time constraints of traditional banking business, that is, it can provide financial services to customers at any time, anywhere, and in any way, which is not only conducive to attracting and retaining high-quality customers, but also actively expanding the customer base and opening up new profits**.

3) It is conducive to service innovation and provides customers with a variety of personalized services. Using the Internet and bank payment system, it is easy to meet the needs of customers to consult, purchase and trade a variety of financial products, in addition to handling banking business, customers can also easily buy and sell online**, bonds, etc., online banking can provide customers with more suitable personalized financial services.

1. Different channels of use.

Online banking is usually used by people through computers to access the Internet, but it can also be used on mobile phones, 2, the degree of convenience is different.

For example, mobile banking can be operated directly with a mobile phone, while a computer is not so easy to carry, so mobile banking will be more convenient to use than online banking.

3. The order of activation is different.

Generally, when we apply for a card at the bank counter, the staff will ask you whether you want to open online banking, you can choose to open it, or you can choose not to open it, and mobile banking must be used after opening online banking, 4. The transfer rate is different.

For example, in the case of online banking, the general transfer fee rate will be required according to the amount of transfer, while in the case of mobile banking transfer, there is basically no transfer fee.

Extended Information: Security Management for Mobile Banking.

The mobile banking of each bank will go through strict security tests, the system is set up with multiple firewalls, and the system and client will be updated and upgraded when needed. The password of the customer's mobile banking is also set up with multi-key encryption during the transmission process to fully ensure security. Double protection through the mobile banking login password and account transaction payment password, even if the mobile phone is lost, it will not cause capital loss.

Even so, as the use of mobile banking involves many aspects and links, the security of mobile banking should not be taken lightly. Financial consumers should develop the following good habits when using mobile banking.

1) Use your mobile phone to operate.

Install well-known anti-virus software to protect your phone from viruses; Enable the phone lock feature to prevent others from operating the phone without permission.

2) Log in to the correct mobile banking**.

Keep in mind the mobile banking**, choose the bank palace network, or reliable mobile Internet **point, **mobile banking client and other APP application software, regularly use anti-virus software, scan all kinds of APP applications on the mobile phone, and prevent the risk of copycat APP, phishing**, virus and Trojan horses.

3) Use of security tools Chapter II.

If you need to handle large amounts of money through mobile banking, it is recommended to use mobile banking security tools. Many banks have introduced security authentication tools that can be used on mobile phones. Taking the Agricultural Bank of China as an example, its mobile banking security tool is universal K-treasure (audio version), which can be used through the audio socket of the mobile phone.

4) Set a complex login password.

Be both complex and easy to remember. Passwords involving money transactions should be as complex as possible, containing multiple types of numbers, letters, and symbols, but also be easy to remember. Password files are not safe to place anywhere, and even less safe to put on networked terminals such as mobile phones and computers.

The safest way to save it is to keep it in your own mind, in fact, password settings can find your own unique logical thinking. The general rule is that the lower the correlation between letters, numbers, symbols, etc. and personal information, the greater the logical contrast, and the more difficult it should be to decipher. For mobile banking with large bank cards, in order to further ensure the safety of funds, it is best to change the password regularly; If there is a suspicion of a leak, it should be replaced immediately.

Internet banking is the first to use a computer to operate, and later there is a royal closed with the app to use the app, except for the business and other subdued general people use the app to do it, do not use online banking.

Different channels of use of online banking are usually used by people through the computer to access the Internet, but it can also be used on mobile phones, and mobile banking, as the name suggests, is used through mobile phone Internet access, and mobile banking cannot be used on computers. 2. The degree of convenience is different, like mobile banking can be operated directly with a mobile phone, and mobile phones are necessities of people's lives, which can be said to be carryable, and the computer is not so easy to carry, so mobile banking will be more convenient to use than online banking. 3. The order of opening is differentGenerally, when we apply for a card at the bank counter, the staff will ask you whether you want to open the online banking, you can choose to open it, or you can choose not to open it, and the mobile banking must be used after the opening of the online banking, it can be said that to a certain extent, the mobile banking is an extension of the online banking.

4. The transfer rate is different from that of online banking, the general transfer rate will be required according to the amount of the transfer, and the transfer fee is basically not required for the transfer fee if the bank transfer is carried out by hand.