For example, an e-cert can only be downloaded once. As long as you don't copy the downloaded certificate, others can't use it even if they know your account password.

There is also an electronic certificate (dynamic password), which is a very good way. After logging in to online banking, you have two sets of passwords, one of which was sent on the mobile phone number left when you handled online banking, and the payment is also two sets of passwords. In other words, as long as the mobile phone, bank account number and password are not given to one person at the same time, it is impossible to be stolen.