The contracted account refers to the account that signed the electronic banking contract at the bank counter. Online banking non-contracted savings accounts cannot be used for online payment transactions, and credit card accounts (which cannot be signed at the counter) can be paid on Taobao. Non-contracted accounts only have the basic inquiry function, and other functions need to go through the signing formalities at the bank counter to use more personalized services. Accounting transactions can be made in contracted accounts, but not in non-contracted accounts. Non-contracted accounts can only conduct online banking inquiry transactions, but not account transactions such as transfer, remittance and payment.

Customers who register for the advanced version can use all the functions of mobile banking; Non-contracted senior customers can use all other functions except transfer and remittance, corporate online banking supervisor's approval, clearing, credit card agreement account repayment setting, bank period management and transfer;

2. Customers who have signed the regular version or have not signed the regular version can use various inquiry functions, account management (except clearing and card replacement), my service (except the approval of the company's online banking supervisor), payment and other functions.

3. The signing account of China Construction Bank's mobile banking refers to the account opened or added through outlets, and the online banking signing account added to mobile banking by online banking shield customers through the function of "channel interactive signing maintenance";

4. Unsigned accounts in mobile banking refer to accounts opened and added by themselves through websites or mobile phones, and online banking accounts added to mobile banking by online banking shield customers through the function of "channel interactive contract maintenance".

5. Transaction process: In payment, online payment and other transactions, the account password is used instead of the certificate. The signing account uses online banking transaction password or dynamic password when payment, online payment and other transactions occur. When the transaction amount exceeds the certificate activation amount, the certificate will be activated, and once the certificate is activated correctly after each login, any subsequent transaction will no longer prompt to activate the certificate.