Brief description of business
Mobile banking (WAP) refers to the electronic banking business of China Industrial and Commercial Bank, which provides self-service financial services for mobile phone customers, such as account inquiry, transfer, payment, consumer payment, corporate account management and transaction instruction processing, based on WAP technology and relying on mobile communication network. The mobile banking (WAP) service of China Industrial and Commercial Bank has the characteristics of portability, simple application, rich functions, safety and reliability, and mainly includes the following contents:
Account management
Provide you with balance inquiry, daily details inquiry, historical details inquiry, salary details inquiry, registration card maintenance, account loss reporting, default account setting, my housing provident fund, bank account service and other functions.
(2) Transfer and remittance
Provide you with ICBC remittance, inter-bank remittance, remittance to mailbox, mobile phone number, regular transfer, notice deposit, my foreign currency transfer, my payee maintenance, personal online banking my payee, telephone banking my payee and other functions.
Remittance to mailbox and mobile phone number means that the payee only needs to bind the personalized alias and the collection account number, and the remitter can remit money by inputting the payee's name, remittance alias and amount when remitting. Notice deposit provides you with the function of transferring funds from the current sub-account in the wealth management account card or smart card to notice deposit. The minimum initial deposit for notice deposit is 50,000 yuan. My foreign currency transfer is to provide you with the function of transferring money from a local account to a designated account.
(3) Payment business
Through this function, you can pay special payment items of branches and support you to submit appointment instructions for payment after non-working hours. The system will handle business for you during working hours. After the payment is successful, you can deposit this item in my payment item. At the same time, you can sign, inquire and cancel the entrusted withholding agreement under the function of mobile banking-payment service.
(D) Mobile phone stock market
You can query the stock information of Shanghai Stock Exchange and Shenzhen Stock Exchange through WAP, and enter the stock code in "Customize the stock I care about" to customize or delete the stock you care about. You can conduct bank-to-securities company, securities company-to-bank and related inquiry transactions through the "third-party depository" function. In addition, you can also link to the WAP website page of the brokerage firm for stock trading.
(5) Fund business
You can query the detailed information of a fund (including fund code, name, type, net value, historical net value, etc.). ) according to the fund company, fund type, fund code and self-selected fund, and key funds can be set as self-selected funds. You can also quickly and conveniently conduct fund subscription, purchase, fixed investment, redemption, cancellation, balance and historical details inquiry.
(6) Treasury bond business
Support one-stop purchase of savings bonds (voucher) and book-entry treasury bonds.
Savings bonds (voucher type) can query information, purchase, redeem and query the balance of national debt. Book-entry treasury bonds can be used to query relevant information of treasury bonds, open custody accounts, buy, sell, trade balance and details.
(7) Foreign exchange business
It provides you with the functions of querying real-time foreign exchange rate (including buying price, selling price, middle price, highest price and lowest price), conducting foreign exchange transactions or setting foreign exchange entrustment transactions (including profit entrustment, stop loss entrustment, two-way entrustment and additional entrustment) and querying account balance and transaction details according to real-time foreign exchange rate.
(8) Precious metals
It provides you with the functions of inquiring about the real-time price of RMB paper gold (including bank buying price and bank selling price), buying and selling paper gold according to the real-time price of RMB paper gold, or setting up paper gold entrusted transactions (including profit entrustment, stop loss entrustment and two-way entrustment), and inquiring about the accumulated balance of brand gold and account information.
(9) Bank transfer
Through the correspondence between the deposit account of the futures company in ICBC and the bank settlement account of the futures investor (hereinafter referred to as "investor"), the investor can realize the real-time transfer between the investor's bank settlement account and the futures company's deposit account after the transfer operation through WAP, and the futures company can adjust the balance of the futures investor's fund account in the futures company in real time according to the change of its bank futures deposit account, which provides convenience for the fund settlement of futures trading.
(10) credit card
Provide you with the function of inquiring credit card balance and transaction details, returning overdrawn RMB and foreign currency accounts to my ICBC credit card, and support the credit card installment payment function.
(1 1) customer service
Provide you with main menu customization, self-service payment, authority management, password modification for login/payment, electronic banking registration/management, WAP cancellation, setting customer reservation information, statement and other functions.
The main menu customization function is for the convenience of use, and provides you with a personalized menu for setting common functions. Authority management provides the functions of e-commerce, payment and external transfer authority that can be selected to close WAP. Setting customer reservation information provides you with the function of querying and modifying the contents of reservation information. The reserved information of mobile banking (WAP) is set separately, which may be inconsistent with the reserved information of personal online banking. Provide you with the function of changing the color of the interface, and make ICBC mobile banking more personalized.
At the same time, it supports the password card customer-defined limit function. You can adjust according to your own needs within the limits set by the bank. After adjustment, your transfer and remittance limit will be controlled according to this limit.
(12) Personal foreign exchange settlement and sale business
Personal foreign exchange settlement and sale business means that you can handle small foreign exchange settlement and sale transactions within the specified amount through WAP, and you can query the detailed information of small foreign exchange settlement and sale transactions online.
(XIII) ICBC Messenger
Provides the functions of balance change reminder and statement service customization, query, modification and cancellation.
(14) Personal loan business
This function is used to query outstanding loan contracts, IOUs, repayment plans, repayment details and other information. This function does not include the query of provident fund entrusted loans. Through this function, you can know the outstanding loan balance, interest, accumulated interest, interest rate and the next repayment date, so as to help you repay in time and deal with the arrears.
(15) Financial services
Provide operations such as setting, inquiring, terminating and executing detailed inquiry for your financial services.
(XVI) Special business of branches
Sub-branches provide special services to customers in their business areas.
(XVII) Welcome page
Provide you with a welcome page after logging in to WAP, showing birthday and holiday greetings, safety tips, bank news (bank announcements and marketing information), warm reminders and other information. Among them, birthday wishes include information that you can enjoy preferential treatment for transfer and remittance on your birthday; Tips include the following contents of all your accounts: notice of deposit maturity, expiration of fixed deposit (30 days in advance), expiration of Litianli wealth management agreement (7 days in advance), and temporary loss reporting card (indicating the due date of loss reporting).
(XVIII) Farewell Page
It provides a farewell page when you log out of WAP, showing the duration of your login and the important transaction records made this time, including five elements: time, operation, account number, amount/share and handling fee.
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Applicable object
Personal customers who can use banking services at any time and anywhere can keep abreast of account information and related consulting needs.
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Characteristic advantage
1. Take it. Mobile Banking (WAP) of China Industrial and Commercial Bank provides you with 7×24-hour all-weather service. As long as you carry a mobile phone with Internet access, you can easily manage your account, manage your finances and pay fees whenever and wherever you want, and everything is under control.
2. The application is simple. It is convenient for ICBC to apply for WAP. You can register yourself through ICBC website, mobile phone website and personal online banking, or you can register formally at ICBC outlets at any time, which is simple and convenient (self-registered customers can only inquire about account information and enterprise information).
3. Rich in functions. ICBC Mobile Banking (WAP) provides you with financial services such as transfer and remittance, payment, mobile stock market, fund and foreign exchange trading, so that you can keep abreast of market trends and accumulate wealth.
4. Safe and reliable. The fund transfer function of ICBC Mobile Banking (WAP) is strictly restricted. You must go to the counter to sign the agreement in person before you can transfer money, pay fees and pay. At the same time, ICBC also uses static passwords, electronic bank password cards and other means to ensure the safety of your funds and information.
5. Quick login. For your convenience, China Industrial and Commercial Bank has launched "Fast Login Software". After downloading and installing, click the software icon in the mobile phone menu to log in to the mobile phone portal with one click. [Back to the top]
Initial condition
You need to hold ICBC wealth card, smart card, financial gold card, peony credit card or current passbook, and a mobile phone that supports Internet access.
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Open process
Self-registration:
1. Mobile website channel: You can log in to ICBC's mobile website (wap.icbc.com.cn) through your mobile phone, select "self-registration" and follow the prompts to open it yourself.
2. Website channel: You can log on to the portal of ICBC (www.icbc.com.cn), click on the WAP self-registration or personal online banking login page on the left side of the portal, and then follow the prompts to open it yourself.
3. Online banking channel: select mobile banking (WAP) as the registration channel in "Electronic Banking Registration" of personal online banking, enter the registration opening information entry page, select the registration card to be opened, enter the reserved verification information, login password, preferred registration card number and other information, and register successfully after submitting verification.
Counter registration:
You can go to ICBC outlets with your valid ID card and bank card, fill in the Application Form for Individual Customer Registration of Electronic Banking of China Industrial and Commercial Bank, and go through the registration formalities.
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Service channels and time
Visit wap.icbc.com.cn, the mobile phone website of Industrial and Commercial Bank of China, and click the "WAP Login" link to log in to Mobile Banking (WAP) of Industrial and Commercial Bank of China.
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Tax and fee standard
Please refer to the charging standard published by the service operator for the data service fee generated by mobile phone logging into the network.
Mobile banking charges >>[ Back to the top]
Operation guide
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Matters needing attention
1. Before applying for mobile banking (WAP), please confirm whether your mobile phone can surf the Internet normally. If you can't surf the Internet normally, please consult your local telecom operator or mobile phone manufacturer, or refer to the hot spots on ICBC's website to answer.
2. Real-time transactions such as precious metals, foreign exchange and small settlement and sale of foreign exchange should be completed within ten seconds. If the time limit is exceeded, the transaction may fail.
3. When mobile customers use our mobile banking (WAP), they need to set the mobile Internet access mode to cmwap mode.
4. Users of China Mobile and Telecom don't need to enter the card number, just enter the password to log in.
5. Customers who are already ICBC U-Shield certificates can apply for a password card separately through counter registration if they want to open WAP, and the use of the original U-Shield certificate will not be affected.
6. When downloading and installing "Quick Login Software", please select the corresponding brand and model of mobile phone. Please refer to FAQ for specific use.
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FREQUENTLY ASKED QUESTIONS
1. Is WAP safe?
Mobile banking (WAP) adopts the most advanced encryption means to protect your information security at all times. By binding the mobile phone number with the bank account number and using the electronic bank password card for identity authentication, the external payment can be flexibly controlled.
2. When I apply for opening mobile banking (WAP) at the outlet, do I have to choose the password card of electronic banking as the authentication medium?
In order to fully protect the safety of customers' funds, you must choose the electronic banking password card as the authentication medium when you apply for opening mobile banking (WAP) at the outlets. If you are a password card customer of ICBC's personal online banking, you can use the password card after registration.
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Risk warning
1. Problems caused by mobile phone model restrictions, network failures of telecom operators, mobile phone Internet settings, etc. may affect your normal login and use of ICBC Mobile Banking (WAP).
2. The problems caused by the leakage of mobile phone number, login password and payment password may cause the loss of mobile banking account information and financial losses.
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Noun interpretation
1.WAP: (Wireless Application Protocol) is a protocol for wireless terminal devices to access the Internet and a communication protocol carried by HTTP.
2.GPRS: the abbreviation of general packet radio service, in short, it is a way for mobile phones to surf the Internet. After opening GPRS service, you can use your mobile phone for online activities. Of course, this also includes using ICBC's mobile banking (WAP).
3. Login password: refers to the password you use when logging in to WAP. The login password for using WAP for the first time is the password reserved when registering.
4. Payment password: it is the password you use when you handle external transfer, remittance, payment and consumer payment through WAP.
Payment passwords include dynamic passwords and static passwords. Dynamic password refers to a password whose content is dynamic and unpredictable. The storage medium of dynamic password character information is electronic bank password card. Customers who apply for the password card of electronic banking can confirm their identity by entering the dynamic password when handling the external payment transaction of mobile banking (WAP). Static password customers must add a transfer account at the counter if they want to handle WAP external payment transactions.
5. Transfer-in account: someone else's account that can transfer money at the counter when you don't have the authority to open a transfer-out account. Support the setting of bank payee, inter-bank payee and mobile phone number payee in WAP.
6. Payee: Payee is a payee record created for you to transfer money to the same person's account for many times when you open the transfer authority. When transferring money, you can find the corresponding payee from your payee list, without manually entering the payee account number and payee name again. In mobile banking (WAP), my payees are divided into three types: bank payees, inter-bank payees and mobile phone number remittance payees.