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Online Banking

 
 

Online Banking

 
 


Security Mechanism(Personal Service)


 

E-Token

1. What is the E-Token?

A: E-Token is an electronic device with embedded battery, password generation chip and display screen, which automatically update dynamic passwords on a regular basis according to specific computing method. The system based on the dynamic password technique is also known as One-Time-Pad (OTP) system, i.e. the password is changing, and one password will cease to be in force if it has been used one time, and at the next time the logon password will be a different one. As an important two-factor authentication tool, E-Token is widely used for authentication. E-Token may greatly enhance the logon and transaction security of online banking.

2. What advantages does the E-Token have?

A: E-Token is not only secure but also convenient. E-Token, also known as OTP system, updates password once every 60 seconds, and has the advantages that every password is used only one time in course of authentication and will be changed in the next authentication, so that lawbreakers are unlikely to pass themselves off as legal users and the users do not need to remember the password. The use of E-Token is quite simple without installation of driver, and the user only needs to key in the dynamic password displayed in the E-Token according to the prompt of online banking system.

3. What is the update cycle of dynamic password and how many digits does a password have?

A: Dynamic password is randomly updated once every 60 seconds with a length of six digits.

4. How long is the validity period of an E-Token?

A: The validity period of an E-Token is three years starting from the production date (The expiration date is shown on the back of E-Token). The E-Token will be no longer in force upon expiration.

5. Why is my E-Token locked up? What will I do?

A: When using a dynamic password in logon or transaction authentication, if the user keys in wrong password for 10 successive times (in one day or several days), the system will automatically lock up the E-Token. In this case, you shall go through the unlocking procedures at the counter by presenting valid identity certificates and a bankcard or passbook linked with the new version of online banking.

6. What will I do if I correctly key in the dynamic password but the online banking system prompts many times that the password is wrong?

A: Such a case is not very likely to happen. Once it happens, it is possibly caused by the deviation of time calculation of your dynamic password, rather than E-Token malfuntion. In this case, you only need to synchronize the E-Token at the counter, to ensure the similar mistakes will not happen in a long period.

7. What will I do if I lose my E-Token by accident?

A: If you lose your E-Token by accident, in order to guarantee your security in use of online banking, please immediately report the loss of E-Token at the counter by presenting your valid identity certificates and a bankcard or passbook linked with the new version of online banking; within the period of loss reporting, if you find the E-Token, you may go through the procedures for cancellation of loss reporting at the counter; if you fail to find the E-Token, you may apply for a new E-Token at the counter.

Other Security Mechanism

8. When I access online banking for the first time, it pops up the prompt "whether to install security applet of BOC Online Banking", what does it mean?

A: Installing security applet may prevent other persons from controlling your computer and stealing your user name, password and other important data by worms (e.g. Trojan software). It is suggested that when you log on the online banking for the first time, you should click the link "Security Applet Download" to download and install online banking security applet, or you will be unable to key in the logon password of the new version of online banking. The prompt of installing security applet will no longer display after you have logged on online banking once.

9. Why do I fail in download of security applet?

A: If you fail to download the security applet, it is possibly because there is a third party security software that leads to the incomplete download of security applet or the network transmission is instable resulting in the failure of data download and the capacity deviation. If the download of security applet is halted by other software, you must select "Yes"; if you have selected "No" in the third party security applet, the antivirus software may halt the security applet directly without any prompt, in which case it is suggested that you disenable all other security software in download and installation of security applet; if your network transmission is unstable and results in incomplete data download, please download control installation program again.

10. Why messy code occurs in installation of "BOC Online Banking Security Applet"? How to resolve it?

A: If messy code occurs in installation of security applet, it is because the security applet edition downloaded is incorrect. If you use the English-version operating system, please download the applet on the English-version online banking logon page; if you use the Chinese-version operating system, please download the applet on the Chinese-version online banking logon page.

11. How to correctly uninstall the security applet in the user system?

A: Please enter the control panel, double-click "Add/Delete Program", click the BOC online banking control "BOCnet Client Update Program", and then click Delete (Uninstall).

12. What operating system applies to the security applet? Does the Vista operating system support the security applet?

A: The newly updated online banking security applet is compatible with all the 32-digit Windows systems, including Windows 2000, Windows XP(32-digit), and Windows Vista(32-digit).

13. What is the dialog timeout?

A: Dialog timeout means if you have no operation for a certain period after logging on the online banking, the system will automatically exit in order to prevent any other person from illegally operating your accounts when you leave your computer unattended or forget to exit.

14. Can I set a transaction limit by the new version of online banking in order to control risks?

A: Yes, you can. You may flexibly set the daily ceiling for the transfer, remittance, time deposit,and bill payment by the function “Set Transaction Limit” under “Customized Setting” of “Service Setting”, in order to control trading risk by setting a limit.
Gentle reminder: the limit set by the “Set Transaction Limit” shall not exceed the maximum transaction limit stipulated by the Bank.

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