2. Different payment methods: online banking needs to use U shield to protect the account information, while mobile banking only needs to input password, and some banks need password plus verification code or password plus payment password device.
3. Different convenience: With the popularity of smart phones, mobile banking is more convenient, while online banking can only be used on computers.
Online banking, also known as online banking, online banking or electronic banking, is a virtual counter set up by banks on the Internet. Banks use Internet technology to provide customers with traditional services such as account opening, transfer, credit and online securities, so that customers can manage their accounts safely and conveniently without leaving home.
Its characteristic is that customers can access online banking to handle transactions through the Internet all over the world as long as they have their account numbers and passwords.
Internetbank or E-bank, which contains two levels of meaning. One is the concept of institution, which refers to the bank that runs business through information network; The other is the concept of business, which refers to the financial services provided by banks through information networks, including traditional banking services and emerging services brought about by the application of information technology.
In our daily life and work, we refer to online banking, which is more of a second-level concept, that is, the concept of online banking services.
online banking is not only a simple transfer of traditional banking products from the internet, but also a certain change in other service modes and connotations. Moreover, due to the application of information technology, brand-new business varieties have emerged. It can be said that online banking is a virtual banking counter on the Internet.
online banking is also called "3A bank" because it is not limited by time and space, and can provide financial services to customers at Anytime, Anywhere and in Anyway.
mobile banking, also known as mobile banking, is short for using mobile communication networks and terminals to handle related banking business. [1]
As a brand-new service that combines electronic money and mobile communication, it not only enables people to handle a variety of financial services at any time and any place, but also enriches the connotation of banking services, enabling banks to provide customers with traditional and innovative services in a convenient, efficient and safer way.
Mobile banking is composed of mobile phones, GSM short message center and banking system.
during the operation of mobile banking, after the user sends an instruction to the bank through the menu on the SIM card, the SIM card generates a short message with a specified format according to the user's instruction and encrypts it, and then instructs the mobile phone to send a short message to the GSM network. After receiving the short message, the GSM short message system sends it to the corresponding banking system according to the corresponding application or address. The bank preprocesses the short message, then converts the instruction into the host system format, and the bank host computer processes the user's request and returns the result to the bank interface system, which converts the processed result.