Classification: According to the online banking service systems opened by banks, it is generally divided into personal online banking and corporate online banking. Both personal online banking and corporate online banking are electronic banking products that provide financial services to customers through the Internet. In order to distinguish individual customers from enterprise customers, banks classify online banking service systems into individual customers and enterprise customers according to the sorting methods of individual settlement accounts and enterprise fund settlement accounts, but the actual operation process and its effect are basically the same.
Function: Online banking is the product of the information age. With its birth, customers who had to go to the bank counter to handle business can directly enter the bank through the Internet, and conduct business such as account inquiry, transfer, foreign exchange trading, bank transfer, online shopping and account loss reporting at will, so that customers can really handle all banking business without leaving home. The opening of online banking service system will greatly improve the working efficiency of banks and customers, let funds create benefits, and thus reduce production and operation costs.
As corporate customers, we can also extend our business to all aspects of our business through online banking. For example, China Bank Guangdong Branch's online banking "BOC e-Diantong" was developed according to the characteristics of Guangdong export-oriented enterprises of China Bank. The online banking system integrates "enterprise group service system" and "customs declaration instant messenger" for export-oriented enterprises, which is more practical and effective. Among them, "enterprise group service" aims at the development of group enterprises and fundamentally solves the problems of cross-regional account inquiry, fund management and fund remittance of group enterprises.
safe
Generally speaking, as long as adequate security measures are taken, online banking is safe. Security measures are multi-level and all-round. For example, in order to resist hacker intrusion, high-performance firewall and intrusion detection system (IDS) can be installed in the network system. In order to prevent criminals from cheating, strong identification technology can be used. The most commonly used password or password measure is a simple and easy-to-use means of identification, but its security is relatively low and it is easy to be leaked or breached. A more effective method is to use PKI technology facilities, the core of which is to use digital certificate authentication mechanism. It can be said that if the digital certificate authentication technology is adopted in the online banking system, even if criminals steal the card number and password, online banking transaction fraud cannot be realized.
superiority
1. Online banking can reduce the number of fixed outlets and operating costs, but users can enjoy uninterrupted service 24 hours a day, 7 days a week as long as they have a PC and a telephone line.
2. The online banking client consists of a standard PC and a browser, which is easy to maintain.
3. Online e-mail communication is also very flexible and convenient, which is convenient for communication between users and banks and within banks.