ICBC E-banking Code Card, another new security product for E-banking after the successful launch of "USB-Shield", allows more customers to enjoy the secure and convenient E-banking services.

I. What is E-banking Code Card
E-banking Code Card is ICBC latest E-banking security tool and is another measure for protection against monetary loss. Money in the account will be safe once Code Card is securely held. Customer will not suffer any lost even when his logon card number, logon password are accidentally disclosed. So long as the customer's logon card number, logon password and Code Card are not together disclosed to the same person, the customer can now enjoy E-banking services with more security and no worry.

On the Code Card is printed with a matrix of character strings. When customer makes payment through E-banking for outward transfer, B2C shopping or bill, E-banking system will randomly give a group of Code Card coordinates. Customer locates the password combination from the Code Card based on the coordinates and inputs to E-banking system. Only customer who correctly enters password combination can make payment. Password combination only effective once and becomes invalid after payment completed.

 
 


II. Why E-banking Use Code Card
E-banking Code Card is a new security tool introduced by ICBC to meet the demands of E-banking users, where full consideration is given on security and cost factors. In terms of security, convenience and price, E-banking Code Card is different from plain password and USB-Shield, as shown below.

 

Type

Target Customer

Features

Security Mechanism

Price

USB-Shield

All Internet Banking customers
  • Highest security
  • No limit in making payment
  • Access to all Internet Banking services
  • Hardware-based digital signature
  • 1024 asymmetric key encryption
  • Protection using Certificate Password
  • Protection using Internet Banking Logon Password

58- 60 Yuan

Code Card

Internet Banking customers that have not applied for USB-shield, Telephone Banking customers and WAP customers

  • Relatively high security
  • Limit on outward remittances, online payment, online shopping
  • No Personal Finance service
  • Dynamic Password, generated in random
  • Entrance password protection of Internet Banking, Telephone Banking and Mobile Banking (WAP)

2 Yuan each (Free of charge at present)

Static Password

Customers register online through Self-service or without USB-Shield, Code Card
  • Relatively generalsecurity
  • Restriction on service functions and payment limit
  • Customers need to have better security awareness to ensure sensitive information such as password not being stolen
  • Double protection using Logon Password and Payment Password

Free of Charge

 

Comparison of Target Customer, Features, Security Mechanism between USB-Shield, Code Card and Static Password

 
 

Comparison of Main Internet Banking Services for Different Types of Customers

 

For details of transaction rules, please see Personal E-banking Transaction Rules.

 
III. Application and Use of Code Card
¡¤ Application for Code Card
From August 10 , 2006, if you have signed up ICBC Internet Banking but not applied for a USB-Shield yet, you can apply for an E-banking Code Card at ICBC business office with your valid ID card and the Peony Card used in registering Internet Banking. If you have not signed up Internet Banking and have no intention to use USB-Shield, you can sign up Internet Banking and apply for an E-banking Code Card directly at ICBC business office with your valid ID card.

When collecting your Code Card, please check if the packaging film and covering film are intact as shown below. You should request to change if there are any damages.
 
 


¡¤ Use of Code Card
After applying for and taking the E-banking code card, when you make a transfer out, B2B shopping, payment for fees or other payment transactions with E-banking, E-banking System will randomly give a group of Code Card coordinates. You have to locate the password combination from the Code Card based on the coordinates and input to E-banking system.

Ex: The following information will be displayed when making transfer/remittance through Internet Banking:
 
 

Please scratch the Code Card coordinates at A3, B2 following the dynamic password coordinates prompted by the System (It is recommended to scratch the needed coordinates for better protection of the Code Card), as shown below:

 
 


When scratched, input by the order the passwords located at A3, B2 into the box for dynamic password: 136135 (no spaces in between) and input the verification code, and then click "confirm".

 
 

Transfer has been completed successfully.

 
  ¡¤ Daily Maintenance of E-banking Code Card
Scratched passwords on the Code Card can be used repeatedly. Each Code Card can be used 1000 times. ICBC Internet Banking offers a function for enquiry on the status of Code Card for your convenience. As shown below, you can enquiry on the details such as Card Number, Application Date, Amount of Times Used, Amount of Times Remained by logging on Internet Banking, and clicking "Enquiry on Customer Information Changes" under "Customer Service". Code Card can be only used by yourself. Please keep the password of the card safely to prevent others from stealing, copying or photographing. Renew the card timely in case it is lost accidentally or when card details have been disclosed.
 
 


More Security Advice: Please take great precaution on your Card Number and Password for your safety when using Internet Banking services. Computer used for logging on Internet Banking must be reliable. Update anti-virus software regularly and download patches timely. Do not open programs, links and emails from unidentified senders. Always access Internet Banking in a proper way. Protect your E-banking Code Card. Do not lend it to anyone, and stop others from copying or photographing your Card.

If you want to get a higher security protection and to use more Internet Banking functions, please choose the patented hardware encryption tool ¨C ICBC USB-Shield.

 
IV. FAQ
¡¤ How E-banking Code Card is Different from Static Password and USB-Shield?
Compared to Static password, E-banking Code Card is more reliable, higher payment limit and more functions. Compared to USB-Shield, E-banking Code Card may have less advanced encryption/authentication, but it costs less, convenient to use, fully addresses common risks such as hacking, bogus websites or trojan virus. It is very suitable for Internet Banking customers who demand less on payment limit. ICBC USB-Shield is recommended if you wish to use all Internet Banking functions and want higher security.

¡¤ Does it mean that Internet Banking Account is completely safe once I have E-banking Code Card?
Code Card is a reliable E-banking security tool. It can effectively guard against risks arising from all kinds of internet fraud. However, Code Card still expose to non-technical risks such as being lost or secretly viewed, photographing or copied. To avoid such risks, it is recommended to keep Code Card in a safe place. Besides, always access Internet in a proper manner. Do not download or click any software or emails from unknown sources. You'd better not to access Internet Banking at public places (Internet Caf¨¦, public library). Install licensed anti-virus software and firewall and update timely to stop virus from intrusion. Avoid important information such as Card Number, Password, and ID Number to be divulged.

¡¤ Any Fee to Apply for an E-banking Code Card?
To bring more convenience services to Internet Banking customers with security, ICBC is providing free E-banking Code Card to customers at present. Internet Banking customers can apply for it at ICBC business office with valid ID card and the Peony Card used in registering Internet Banking.

¡¤ Any Limitation on When and How Many Times in Using E-banking Code Card?
Currently, there is no limitation on when to use, but limited to be used 1000 times. ICBC will remind you before your Code Card have been used more than allowed. Alternatively, logon Internet Banking, click "Enquiry on Customer Information Changes" to check how many times remained. Please come to ICBC business office to apply for the new Code Card when Code Card is used more than 1000 times.

¡¤ What Should I Do if Dynamic Password is Misinput When Making Online Transaction?
Please verify carefully and enter again if password is misinput. To protect the security of customer's Internet Banking Account, ICBC will temporary freeze the transaction qualification for Internet banking on a day if dynamic password is misinput for 3 consecutive times. The freeze will be automatically released on the next day. If dynamic password is misinput for 10 consecutive times cumulatively, ICBC will freeze the transaction qualification for Internet banking. Customer has to change the new card at ICBC Counter.

¡¤ My E-banking Code Card is lost, what should I do£¿
If your E-banking Code Card is lost accidentally, please get a new one at ICBC business office using your valid ID card and Internet Banking Registered Card. Old Card will be void once a new one is applied. If you are not available now to come to ICBC business office to apply for the new card, please logon Internet Banking, enter "Customer Service" --> "Personalized Setting", close the two functions of "e-Commerce" and "Outward Transfer". These two functions can only be opened again at ICBC business office after being closed.

¡¤ What Should I Do if My Code Card is Damaged?
In such case, please apply for a new card at ICBC business office using your valid ID Card and Internet Banking Registered Card. The old Code Card will become invalid by itself.

¡¤ What Should I Do if Payment Limit of Code Card does not meet My Demand?
Please apply for an USB-Shield. USB-Shield is a hardware encryption with higher security. USB-Shield is not restricted by any limit when making Internet Banking transactions.
 

 

Appendix:

  Notice on Applying for an ICBC E-banking Code Card
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