Personal online banking refers to the online banking service that banks provide financial services such as account inquiry, transfer and remittance, investment and wealth management, online payment and so on for individual customers through the Internet. In this way, customers can safely and conveniently manage current and time deposits, checks, credit cards and personal investments without leaving home. Personal online banking customers are divided into registered customers and unregistered customers. Registered customers are divided into counter registered customers and self-registered customers according to the registration method, and are divided into certified customers and uncertified customers according to whether they apply for a certificate. It can be said that personal online banking is a virtual banking counter on the Internet.