WAP Mobile Banking Service         KJAVA Mobile Banking Service

Mobile Banking, Wireless Channel !

"Wireless Channel" – Close to your life! Close to your mind! Close to your heart!

Mobile banking service by Industrial Bank offered all-round mobile financial services such as WAP mobile banking service, KJAVA mobile banking service, SMS value-added service, and mobile wallet service.

  WAP Mobile Banking Service

With WAP Mobile Banking Service, customers can get access to the https://wap.cib.com.cn via mobile phone and enjoy financial services up to 9 categories, which covering more than 60 financial items, such as assets inquiry, designated transfer, bill payment, wealth management, FX transaction, fund transaction, bank-security service, credit card service and customer management, etc..

1. Assets inquiry service

RMB demand saving: check the balance of RMB current account in IB wealth management card;

Intraday transaction: check intraday transaction of IB wealth management card;

Latest 10 transactions: check the latest 10 transactions in IB wealth management card;

RMB time deposit: check the balance of RMB deposit account in IB wealth management card;

Foreign currency demand saving: check all current account information of foreign currency in IB wealth management card;

Foreign currency time deposit: check all deposit account information of foreign currency in IB wealth management card.

2. Designated transfer service

The service enables transfer from IB wealth management cards to other IB accounts, or IB credit cards (voluntary repayment) via mobile banking service. The inward accounts could be IB wealth management card, IB current account bankbook, IB current corporate settlement account, and IB credit card.

3. Bill payment service

The service supports payments for different kinds of public affairs, such as mobile phone fee, water charge and power charge.

4. Wealth management service

The service enables following wealth management operations: transfer between current account and deposit account, call deposit operation, new wealth management product operation and government bond investment.

5.  FX transaction service

The service supports spot FX transaction, limit order transaction, pending order transaction, tailoring of exchange rate inquiry, and inquiry of transaction detail and FX assets.

6.  Fund transaction service

The service supports fund transaction, inquiry of fund net value, subscription/purchase and redemption of fund, fund transfer and inquiry of committed fund transaction.

7.  Bank-security Service

The service supports bank-security service via mobile phone banking.

8.  Credit card Service

The service enables functions as inquiry of statement and FX purchase, setting of auto repayment, setting of transaction SMS message, and change of inquiry password.

9.  Customer management service

The service supports loss-report service, inquiry of customer class and inquiry of rewarded scores.

KJAVA Mobile Banking Service

With the KJAVA client software that installed in their mobile phones, customers can get access to the Internet via mobile phone to fulfill data interaction and achieve diversified self-service banking on mobile phone terminal.

KJAVA mobile banking service offers 2 categories of service, FX service and bank-security service, which are same as the FX transaction and the bank-security service of WAP mobile banking service respectively.

For enjoying KJAVA mobile banking service, customers should visit the home page of WAP mobile banking in advance and download KJAVA client software.

 Features of WAP / KJAVA Mobile Banking

1. Close to your mind! Close to your life!

2. Real-time online service

3. Multiple functions

Mobile banking service of Industrial Bank offers all-round mobile banking services that cover 4 levels:

- Level 1: traditional banking services as inquiry, transfer, loss-report, transfer between current and deposit accounts, and call deposit;

- Level 2: investment and wealth management service as FX transaction, fund transaction, operation of new wealth management products and government bond investment;

- Level 3: bill payment service;

- Level 4: credit card service.

4. Easy to handle

From the first login step, the banking experience will be achieved within 3 to 5 processes by simply entering numbers.

5. Reliable security

Data encryption: 128 Bit SSL encryption and secure certificate for WAP mobile banking; and RSA encryption for KJAVA mobile banking.

Flexible password strategy: log in with different password according to each business security level; encrypt password with encryption al gorithm meeting industrial benchmark; and avoid entering password if possible.

Control form both technological and business aspects: mobile phone supporting WAP1.x only satisfies inquiry service; fund transfer and settlement service requires mobile phone supporting WAP2.0 so that the "port-to-port" security of the business could be ensured.