Introduction of function
◆ SMS Service for Personal Clients
Introduction of function
| "Smart Messenger" Message Service | Notification of account change | When you conduct investment and wealth management, transfer, or bill payment transactions, the system will inform you of the fund status of the RMB current account under your wealth management card via a prompt SMS message. For customers who only activate the SMS notification service of active account, the threshold money should not be lower than 100 yuan (included). For customers who activate both the SMS and Wechat notification service, the threshold money should not be lower than 1000 yuan (included). |
| Notification on failure of automatic debit | If the automatic debits that you have established at the bank fail, the system will send you a prompt notice so that you can make the right response. | |
| Notification of due loans | When a loan that you have applied for from the bank will become mature within one week, the system will send a short message to you, which will help you to avoid the risk of penalty interest on overdue loans. | |
| Notification of incorrect transaction password entry | When the system detects that your financing card password is incorrect, it will send you a timely notification, which is an effective way to prevent your password from being cracked. | |
| Notification of balance exceeding limit | When your account balance is higher or lower than (or equal to) upper or lower limit that you have preset, the system will send you a message of notification. | |
| Notification of net fund value | The system will send a short message at a fixed time informing you of the net value of your selected fund on the previous trading day. | |
| Notification on net fund value exceeding limit | At a fixed time, the system will determine if the net value of your selected fund on the previous trading day exceeds the preset upper or lower limit. If it does, the system will send you a message of notification. | |
| Monitoring of precious metal quotation | You may register the monitoring service for precious metal quotation via the mobile banking system. When the fluctuation in the price of customized services goes beyond the preset limit, we will notify you by SMS. After the opening of each trading day, we will also send the opening prices of the customized services to your mobile phone. | |
| Interactive SMS | Send "cxye#last four digits of the wealth management card" to the special message service number to check the balance of the RMB current account of the wealth management card. Send "cxmx#last four digits of the wealth management card" to the special message service number to check the latest 10 transaction details of the wealth management card. Send "00 + the last four digits of the wealth management card" to the special message service number to deactivate "Smart Messenger" service. |
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| SMS Service for Personal Internet Banking | SMS Guard | When you make a transfer or fees payment, do shopping or modify service functions on the Internet banking platform, you will receive a SMS verification code from the bank. |
| Remittance notification | After you transfer through Internet banking, the system will send a SMS to the receiver. | |
| Notification of logon password setting | When you log on the Internet banking platform for the first time or after you reset the password, the system will send you a logon password notification. | |
| SMS Service for Credit Card | SMS notification for transaction | For any transaction of your credit card account, the system will send a SMS to you as per the authorization or the transaction accounting result. |
| Reminder of risk of important information change | The system will send you notification of successful password resetting, card replacement and advance replacement, cancellation of consumption password, successful change of billing address, card activation, account overdue and results of repayment account, etc. | |
| Interactive SMS | Send "30 + the last four digits of the credit card" to the special message service number to check the account information on the credit card associated. Send "31 + the last four digits of the credit card" to the special message service number to activate the credit card. Send "32 + the last four digits of the credit card" to the special message service number to activate the SMS service for the credit card. Send "33 + the last four digits of the credit card" to the special message service number to close the SMS message service for the credit card. Send "34 + the last four digits of the credit card" to the special message service number to report the loss of credit card. Send "CCZW (space) + the last four digits of the credit card" to the special message service number to check the available amount and current statement settlement the credit card. |
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| SMS Service of Mobile Banking | Remittance notification | After you transfer through mobile banking, the system will send a SMS to the receiver. |
| SMS Service of Telephone Banking | Notification of Easy Wealth Management transaction | After you conduct an "Easy Wealth Management" transaction over the telephone banking, the system will send the transaction result to your mobile phone by a SMS. |
| Response to client inquiry | When you call to check the bill balance, points and account balance of your credit card, the system will send the response to your mobile phone a SMS. | |
| SMS Service for Foreign Exchange | Price notice | When the market price of foreign exchange (middle price) reaches the price (middle price) you have set, the system will send a message to notify you. |
| Notice on pending order | The system will inform you of the conclusion or invalidation of your pending order by SMS. | |
| SMS Service for Personal Loan | SMS reminder of insufficient balance | The system will send you the due balance and the due day prior to the deduction date of the monthly installment. |
| SMS reminder of loan default | The system will send you a SMS notifying you of loan default balance within the grace period. | |
| SMS reminder of overdue loan | The system will send you a SMS notifying you of loan default balance after the loan becomes overdue. | |
| Multimedia message | Multimedia message | The multimedia message service of IB is provided to the users of China Mobile, and includes information on IB's products, promotions and professional information sent in the form of text, pictures and sounds. |
Remarks:
1. The special message service number of IB for users of China Mobile, China Unicom and China Telecom is 95561. Please consult with your local operator for information on messaging fees for the SMS sent.
2. If necessary, IB will send you notices on various important services via SMS according to the actual needs.
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