Account Inquiry Service Management Transfer and Remittance Funds Aggregation Precious Metal Agency Fund Transaction Bank-securities Business Bank-futures Business Wealth Management Products IB Wealth Management Foreign Exchange Trading Loan Financing Self-service Payment One-key Service Repayment of Credit Card Credit Card Business Application Mobile Phone Top-up Payment by Scanning No-card Withdrawal Foreign Exchange Sale and Purchase
1. Inquiry about Deposit Balance
The deposit in the wealth management card can be checked, including information on both demand deposit and fixed deposit. It also provides the function of inquiring about the deposit details.
2. Inquiry about Transaction Details
A client may inquire about the transaction details of the demand deposit in a card according to the starting and ending dates entered by him or her, but the inquiry span may not exceed one month, and the previous records half year.
3. Inquiry about Loan Balance
You can inquire about loan information in the wealth management card, and the repayment plan and details of a certain loan.
4. Inter-bank Account Inquiry
It allows inquiring about the balance, transaction details and agreement information of another bank's account that has entered into information inquiry agreement.
The service requires that an agreement for launching inquiry of information on the balance and transaction details of another bank with an IB account (wealth management card or credit card) via the online inter-bank payment and settlement system of the People's Republic of China must be signed and entered into in the Internet banking system of IB or the other bank.
5. Latest Ten Transactions
You can inquire about the details on the latest ten transaction of a wealth management card.
6. Trading Details of Mobile Banking
A client may inquire about the transaction details of the mobile banking with a wealth management card / credit card according to the starting and ending dates entered by him or her, but the inquiry span may not exceed one month, and the previous records half year.
7. Client Rating
It allows inquiring about the information of the rating of a wealth management card client.
8. Other Inquiries
It provides the service of inquiring about housing provident fund accounts in Chengdu and social insurance cards in Fujian.
1. Emergent Loss Report
In case of emergent loss report, log on with the wealth management card number, associate the logon name with the wealth management card number, or enter the ID card number to select loss report for wealth management card.
2. IB Account Management
It allows adding an IB wealth management card or credit card for the logon name as an associated account, and up to 10 IB cards can be associated. Associated accounts can also be deleted, but the registered card for the logon name cannot be deleted.
3. Account Byname Management
An account byname may be set for the wealth management card or credit card under the logon name to make it easy for clients to memorize and manage their cards.
4. Setup of Functions and Limits
It provides the registration, modification and closing of Smart Messenger SMS service; and allows activating the functions of online RMB payment for wealth management card and credit card.
5. Security Guard
It provides such services as presetting logon verification message for the logon name and changing the logon password of mobile banking.
6. Application for IB e-card
Wealth management card and credit card clients may apply for IB e-cards.
7. Inquiry about Mobile Banking Points
You can inquire about the accumulated points of mobile banking by the previous day and the newly-increased points in the current year and month.
1. Real-time Transfer between IB Accounts
It allows handling RMB transfer and remittance to an organization's account or a personal account opened with IB, and the receiving account may be an IB wealth management card, credit card, deposit book, and corporate RMB settlement account.
2. Real-time Inter-bank Transfer-out
It allows handling RMB transfer and remittance to an organization's account or a personal account opened with another bank through the online payment inter-bank settlement system of the People's Bank of China (super Internet banking), and after completing the operation, the funds will be remitted to the receiving account instantly.
3. Real-time Inter-bank Transfer-in
It allows launching the authorized payment agreement on deducting funds from the account of another bank through the online payment inter-bank settlement system of the People's Bank of China (super Internet banking), and transferring the funds in that account into an IB account, and the transfer limit is set by the client upon signing the agreement.
4. Regular Inter-bank Transfer
It allows handling RMB transfer and remittance to an organization's account or a personal account opened with another bank.
5. Mobile Phone Number Transfer
It allows handling RMB transfer and remittance to an organization's account or a personal account opened with IB by entering the mobile phone number of a client.
6. Inquiry about Transfer Transaction Details
It allows inquiring about the transfer information of a wealth management card including: number of transfer receipt slip, type of transfer, amount of transfer, name of payee/payer, basic information of the payee/payer's account, and time of transfer.
By entering the starting and ending time, a client may inquire about the transfer details within half year, but the time span of each inquiry may not exceed 31 days.
7. One-key Transfer
You can transfer money quickly by selecting the saved one-key transfer instruction, enter the trading amount and certification message. It supports saving "transfer and remittance — real-time intra-bank transfer, real-time inter-bank transfer-out, and regular inter-bank transfer" as the "one-key transfer" instructions and setting or modifying the instruction byname.
8. Management of Frequently-used Payee Accounts
Clients with wealth management cards for which agreements on free transfer via mobile banking have been signed may add, delete or modify the payee's information.
9. Generation of Payee Account QR Code
The payee may generate the payee account QR code via the function, which can be saved to the album of a mobile phone and sent to the payer.
10. QR Code Payment
The payer may select the QR code corresponding to the payee account in the album, or directly scan the QR code to obtain the corresponding payee's information, and then enter the amount to make payment after checking that the information is correct.
11. Foreign Exchange Remittance
It provides the service of foreign exchange remittance, including intra-bank and inter-bank remittance and cross-border remittance. Specifically, the intra-bank foreign exchange remittance only supports transfer in foreign currency between accounts opened by the same client in our bank.
1. Inter-bank Account Inquiry
It allows inquiring about the balance, transaction details and agreement information of another bank's account that has entered into information inquiry agreement.
The service requires that an agreement for launching inquiry of information on the balance and transaction details of another bank with an IB account (wealth management card or credit card) via the online inter-bank payment and settlement system of the People's Republic of China must be signed and entered into in the Internet banking system of IB or the other bank.
2. Real-time Inter-bank Transfer-in
It allows launching the authorized payment agreement on deducting funds from the account of another bank through the online payment inter-bank settlement system of the People's Bank of China (super Internet banking), and transferring the funds in that account into an IB account, and the transfer limit is set by the client upon signing the agreement.
3. Setting of Automatic Aggregation
The system will automatically transfer the funds from the accounts other banks into the wealth management accounts on a regular basis according to the aggregation information set by clients.
Setting requirements: The real-time inter-bank transfer-in agreement and real-time inter-bank inquiry agreement must be signed for the account of another bank to be aggregated and the corresponding account of IB.
Aggregation frequency: one time, every day, every week, and every month.
Method of aggregation: full amount, fixed amount and fixed reservation amount.
1. Market Inquiry
1) Market Quotation
The precious metal market provides quotations on seven types of previous metal Au99.99, Au100g, Au99.95, Au(T+D), Ag(T+D), Au(T+N1), and Au(T+N2), including time of quotation, type of precious metal, latest price, and rise/fall.
Click the type of precious metal to check the detailed quotation. The page of detailed quotation provides type of precious metal, time of quotation, latest prices, rise/fall, extent of rise/fall, opening price, closing price yesterday, mean price, maximum price, minimum price, sales price/sales volume (sales price 1, sales price 2, and sales price 3), and purchase price/purchase volume (purchase price 1, purchase price 2, and purchase price 3).
The quotation page of mobile banking does not support automatic refreshing, so the client needs to refresh the page manually.
2) Delivery quotation: allowing inquiring about three types of delivery quotation: Au(T+D), Au(T+N1), and Au(T+N2).
3) Neutral position quotation: allowing inquiring about three types of neutral position quotation: Au(T+D), Au(T+N1), and Au(T+N2).
2. Commissioned Declaration of Spots / Deferred Trading
Commissioned declaration of spots: providing three types of contracts, Au99.99, Au100g and Au99.95, for clients to choose. The trading tip for Au99.99 and Au100g is (100g/transaction), and that for Au99.95 (1000g/transaction).
Commissioned declaration of deferred trading: providing the commissioned declaration services for the deferred trading of precious metal spots in four types of contracts: Au(T+D), Ag(T+D), Au(T+N1) and Au(T+N2).
3. Delivery Declaration
Deferred delivery declaration provides the delivery declaration service for deferred gold trading, including delivery/receival of Au(T+D), delivery/receival of Au(T+N1), and delivery/receival of Au(T+N2), and it does not provide the delivery function for silver Ag(T+D) at the moment.
On the declaration interface for delivered trading, the mobile banking provides clients with available funds, current positions and mean position price for the type of contract (sell positions upon delivery, and purchase positions upon receival), and available inventory and funds and delivery quotation for the current card number, so as to facilitate clients to commission trading.
The trading time for gold delivery declaration is 15:00-15:30.
4. Neutral Position Declaration
Neutral position declaration provides the neutral position declaration service for deferred gold trading, including delivery/receival of Au(T+D), delivery/receival of Au(T+N1), and delivery/receival of Au(T+N2), and it does not provide the function of neutral position declaration for silver Ag(T+D) at the moment.
On the declaration interface for neutral position trading, the mobile banking provides clients with current positions and mean open price for the type of contract, and available inventory and funds and neutral position quotation for the current card number, so as to facilitate clients to commission trading.
The trading time for gold neutral position declaration is 15:31-15:40.
5. Cancellation of Declaration
Cancellation of commissioning provides clients with the services to cancel commissioned declaration of precious metal trade (including: spots/deferred commissioning, deferred delivery commissioning and neutral position commissioning). Only commissioning that have not been completed or partially completed can be canceled.
6. Transfer-in
It supports the transfer of funds from the client's bank account into the precious metal deposit account. Trading cannot be conducted on non-trading days.
7. Transfer-out
It supports a client to transfer the available funds from the deposit account into a bank card. Transfer cannot be conducted on non-trading days.
8. Inquiry
1) Inquiry of funds
You can inquire about the situation of funds in the precious metal account in the Client, including withdrawable funds, available funds, frozen funds, position security deposit, delivery-taking security deposit, security deposit for warehousing charges, and floating profits or losses.
2) Commission inquiry
Current day commission inquiry
It allows inquiring about the precious metal trading commissioned by a client on the day in question, including: commissioned inquiry about spots, commissioned inquiry about deferred trading, commissioned inquiry about delivery, and commissioned inquiry about neutral positions.
It allows inquiring about recorded information including: number of commissioning document, type of contract, commissioning time, open/close position mark (only deferred), delivery/receival (delivery, and neutral position), purchase/sale direction, commissioned price, commissioned transaction, and commissioning status; If the commissioned trading has been completed, it will show the strike price and struck transactions.
Previous commissioning inquiry
It allows checking previous commissioning record for precious metal trading. The span of inquiry cannot exceed one month. The following records may be checked: previous commissioning of spots, previous commissioning of deferred trading, previous commissioning of delivery, and previous commissioning of neutral position.
3) Completed transaction inquiry
Current day completed transaction inquiry: Check previous precious metal transactions on the day in question, including: inquiry about transactions of spots, inquiry about deferred transactions, inquiry about delivery transactions, and neutral position transactions. It allows inquiring about recorded information including: number of transaction document, type of contract, time of transaction, open/close position mark (only deferred), delivery/receival (delivery, and neutral position), purchase/sale direction, strike price, and struck transactions.
Completed transaction history inquiry: Check the details of previous precious metal transactions. The span of inquiry cannot exceed one month. The following records may be checked: inquiry about transactions of spots, inquiry about deferred transactions, inquiry about delivery transactions, and neutral position transactions.
4) Inventory inquiry: Check the inventory of gold spots including the following types of spots: Au99.99, Au100g and Au99.95. The inquiry page shows the information on these types of spots with non-zero inventory, but not those with zero inventory.
Position inquiry: check the deferred positions, with the following types deferred positions being supported: Au(T+D), Ag(T+D), Au(T+N1) and Au(T+N2); return after checking information on non-zero positions, including purchased and sold positions and average prices.
6) Pick-up inquiry: check details of pick-up application. The inquiry page shows the pick-up running number, type of contract, pick-up quantity, and pick-up state, etc.
7) Transfer-out/in inquiry: check the details of the transfer of security deposit. The span of inquiry cannot exceed one month. The returned information on the inquiry results mainly includes running number, trading date, trading amount, and trading direction (in/out).
8) Transaction notice inquiry: check the details of the client notice. The span of inquiry cannot exceed one month. The returned information of inquiry includes notice type, date, current day balance, supplemental security deposit amount, risk tolerance, and risk rating, etc.
9. Modification of Password
You can modify the precious metal trading password.
10. Pick-up Application
Gold trading clients may file applications to pick-up gold spots of Au99.99, Au100g and Au99.95.Specifically, pick-up unit of Au100g is the integral multiple of 100g, that of Au99.99 the integral multiple of 1000g, and that of Au99.95 the integral multiple of 3000g.
Clients may set the pick-up passwords themselves upon picking up. Successful pick-up application requires sufficient funds and spot inventory.
11. Risk Alert
You can check the contents of risk alert related to precious metals.
1. Commissioning
It provides the functions of application for subscription/subscription, redeeming, fund transfer, and modification of income distribution method.
Mobile banking only allows applying to subscribe/subscribing the front-end charged funds underwritten by IB, and the lowest sum of application/subscription is RMB 1,000.Any holder of wealth management card that has not yet opened a fund account must open a fund account before he or she can apply to subscribe/subscribe funds. All clients that have not undergone risk evaluation will be required to do so.
Upon redeeming, the client must first get information on funds in the card. Then, he or she may select the fund code and enter the amount for redeeming.
Upon fund transfer, the client must first get information on funds in the card. Then, he or she may select the fund code, enter the code of transfer-in fund and transfer-out amount for transferring. All clients that have not undergone risk evaluation will be required to do so.
2. Cancellation
It allows canceling the fund trading commissioning not yet submitted on the current day.
3. Automatic investment plan
It supports the registration, inquiry and cancellation of automatic investment plan (AIP).
4. Inquiry
It provides the following inquiry functions: net value, held funds, commissions, statements, and fund accounts, etc.
5. Risk Evaluation
According to the requirements of the regulatory authorities, risk evaluation should be first carried out when a client handles fund trading in IB. As for any client who has completed the risk evaluation, the bank will provide the service of risk rating inquiry.
6. List of Commission Funds
It provides a list of mobile banking agency funds, which is based on the rating of fund risks.
7. Account Opening
Any client may open a fund account or register the fund trading relationship based on the fund code or by directly choosing the fund registration institution. Any holder of wealth management card that has not yet opened a fund account with the selected the fund registration institution may open an account directly. Any client that has not yet opened a fund account with another fund agency may choose to register the trading relationship, and enter the fund account number for registration.
It provides the third-party depository and financing securities clients with the services of trading settlement funds, including bank-securities transfer, inquiry about securities funds and inquiry about the details of transactions on the current day. Clients who would like to enjoy the bank-securities services in mobile banking must be the third-party depository and financing securities clients of the bank.
1. Third-party Depository
1) Bank-securities transfer
A third-party depository client may transfer funds from an IB wealth management card account to a security funds account.
2) Securities-bank transfer
A third-party depository client may transfer funds from a securities funds account to a wealth management card account.
3) Inquiry of funds
A third-party depository client may check the balance of security funds.
4) Current day transaction details
It allows inquiring about the details of third-party depository transactions on the current day.
2. Financing Securities
1) Bank-securities transfer
A financing security client may transfer funds from a wealth management card account to a securities funds account.
2) Securities-bank transfer
A financing securities client may transfer funds from a security funds account to a wealth management card account.
3) Inquiry of funds
A financing security client may check the balance of security funds.
4) Current day transaction details
You can inquire about the details of financing securities transactions on the current day.
3. Self-service Agreement Signing
Clients who have opened the security funds accounts but not activated the third-party depository service with our bank may have the agreement signed by way of self-service via this function.
It provides the functions of signing/terminating agreement between wealth management cards of personal clients and futures companies, bank-futures transfer, futures-bank transfer, and inquiry about funds account, etc.
1. Self-service Agreement Signing
We provide the self-service agreement signing function to clients who have opened funds account with a futures company but not activated the bank-futures transfer service of our bank, with which a corresponding relation can be established between the wealth management cards and funds accounts of investors.
2. Bank-futures Transfer
Clients may transfer funds from wealth management card accounts to funds accounts of a futures company.
3. Futures-bank Transfer
Clients may transfer funds from funds accounts of a futures company to wealth management card accounts.
4) Inquiry of Funds
You may inquire about the balance of funds in a futures company.
5. Inquiry about Transaction Details
It allows inquiring about the transfer records between your wealth management card and futures account, but the time span of each inquiry may not exceed 31 days.
1. Inquiry and Purchase of Available Wealth Management Products
It allows subscribing or applying to subscribe the on-sale wealth management products of IB available on the mobile banking.
Clients purchasing wealth management products through the mobile banking for the first time should accomplish the risk tolerance evaluation at our business outlet. clients, who have not undergone the risk tolerance evaluation for over a year or who have encountered situations which may impair their own risk tolerance, should accomplish the risk tolerance evaluation at our business outlet, Internet banking platform or mobile banking platform. In the meantime, following the risk matching principle, clients can only purchase those wealth management products of which the risk ratings are equivalent to or lower than their risk tolerance levels.
2. Redeeming
Those wealth management products of IB in the redeeming state can be redeemed. Upon redeeming, the system will first check the redeemable wealth management products, and then the client may click the product code and enter the amount to redeem such products.
3. Cancellation
It allows canceling the wealth management products in the canceling status.
4. Inquiry
It allows inquiring about the information, trading details and net values of wealth management products purchased in every trading channel of IB.
I. Treasury Bonds
1. Certificate Treasury Bonds
1) Purchase of treasury bonds
The certificate treasury bonds must be bought in an amount that is the integral multiple of RMB 100.After a client makes a successful purchase through the mobile banking, the bonds will be converted into demand deposit in the card of the client automatically. After a successful purchase, the client may print the treasury bond voucher at any outlet of IB.
2) Premature conversion
It allows converting the purchased treasury bonds in advance. After the advance conversion, the bonds will be converted into demand deposit in card.
3) Inquiry of treasury bonds
It allows checking the detailed information on the purchased treasury bonds in card.
2. Savings Bonds (Electronic)
1) Premature conversion
It allows converting the electronic treasury bonds not mature in advance.
2) Loss report of telephone inquiry password
It provides clients with the function of loss report for voice inquiry password of the Central Bond Company. After receiving the application, the Central Bond Company will cancel the inquiry password for the relevant custody account number and restore the initial password. The investor in question can use the initial password to enter the checking and inquiry system not later than the third business day.
3) Inquiry about balance of treasury bonds
It allows checking the detailed information on the purchased electronic bonds in card.
4) Inquiry about transaction details
It allows inquiring about the transaction details of electronic bonds in card.
5) Inquiry about client information
It allows checking information on the identity of client corresponding to the bond account number.
6) Inquiry about information of treasury bond
It allows inquiring about information on the electronic saving bonds according to conditions.
7) Tentative calculation of premature conversion
It allows tentative calculation of accrued interest and deductible interest of advanced conversion, and the handling commissions for advance conversion.
II. Notice Deposit
1. Intelligent (Convenient) Agreement Signing
It allows activating or closing the intelligent notice deposit (convenient) function.
2. Intelligent (Income-oriented)
1) Agreement signing: Activate or close the intelligent notice deposit (income-oriented) function.
2) Inquiry: Inquire about the transaction details of intelligent notice deposit (income-oriented) account.
3) Withdrawal: transfer the funds of intelligent notice deposit (income-oriented) as demand deposit; provide the function of withdrawing in full or part.
3. Regular Type
1) Current deposit to notice deposit: transfer the RMB current deposit in card into notice deposit in card. The minimum deposit amount is RMB 50,000, and two deposit terms are supported: 1 day and 7 days.
2) Inquiry and withdrawal of notice deposit: provide the function of converting of notice deposit into current deposit and withdrawing notice deposit as scheduled.
III. Fixed Deposit
1) Current to fixed deposit: convert the RMB current deposit into fixed deposit of lump-sum savings and lump-sum withdrawal in card. The minimum deposit amount is RMB 50, and four deposit terms are supported: 3, 6, 12 and 36 months. When the fixed deposit transferred through mobile banking becomes mature, it will be renewed automatically for the same period again.
2) Fixed to current deposit: convert the RMB fixed deposit in card into current deposit in card.
3) Inquiry about fixed deposit: check the information on fixed deposit in card.
1. Information Inquiry
1) Balance: check the information on all current foreign exchange accounts in a wealth management card.
2) Details of pending order: enter the starting and ending dates as well as pending status to view the details of pending orders.
3) Transaction details: enter the starting and ending dates for inquiry to check the transaction details of limited trading.
4) Real-time quotation: inquire about the foreign exchange rate of currency pair quoted by our bank. It supports inquiring about the preferential foreign exchange rates according to different branches and different hierarchies of clients in the foreign exchange system.
5) Customization of foreign exchange rate: support customizing all currency pairs quoted by our bank.
6) Inquiry about foreign exchange rate: inquire about the foreign exchange rate of any currency pair quoted by our bank.
7) Inquiry about customized foreign exchange rate: Check the foreign exchange rate of any customized currency pair.
2. Commissioning of pending order
1) Profit pending order: set the profit rate for a commissioned pending order.
2) Stop-loss pending order: set the stop-loss rate for a commissioned pending order.
3) Dual-way pending order: set the profit rate and stop-loss rate for a commissioned pending order. Transaction will be conducted when either one is met.
3. Cancellation of pending order
You can cancel the commissioned pending order that has not been completed and remains in the valid period.
4. Instant trading
It means the foreign exchange transaction conducted instantly by the bank under the entrustment of an individual client when the instant quotation of the bank is higher or equal to the foreign exchange trading price designated by the client based on the reference market price provided by the bank. The trading value should not below USD 100.
1. Self-service Pledge Loan
1) Application
Any client who has activated the function of self-service pledge loan may apply for self-service loan with valid RMB fixed deposit or treasury bond as the pledge.
After a successful loan application, the RMB current account in card should be deemed as the repayment account, and the client may change the repayment account through the personal loan system. The interest and principal will be repaid in a lump sum when the loan term is mature. The client may fully repay the loan in a lump sum in advance.
After an individual client handles the pledge loan successfully, the fixed deposit and certificate treasury bonds as the pledge cannot be withdrawn or redeemed before the loan repayment. Before the settlement of self-service pledge loan, the pledged account cannot be released by any one.
The loan term may be 1-12 months and the loan interest rate is fixed. Currently, the interest rate for the pledge loan of 1-6 months is 1.3 times higher than the benchmark interest rate for half-year personal loan; that for the pledge loan of 7-12 months is 1.3 times higher than the benchmark interest rate for one-year personal loan. The term of personal self-service pledge loan may not exceed one year and cannot be extended. And also, it cannot exceed the maturity date or valid term of the pledge (except for the fixed deposit that is set for automatic redeposit).
The loan applied by pledging fixed deposit shall not be less than RMB 1,000, and that applied by pledging treasury bond RMB 5,000. The loan must be an amount that is the integral multiple of RMB 100.
2) Inquiry
It allows inquiring about the information on self-service pledge loan in card applied through mobile banking/Internet banking.
3) Repayment
After a successful application for self-service pledge loan, the RMB current account in card should be deemed as the repayment account, and the client may change the repayment account through the personal loan system. The interest and principal will be repaid in a lump sum when the loan term is mature.
If the balance in the repayment account is not enough, the loan will become overdue. The overdue loan cannot be repaid through mobile banking or Internet banking, but must be repaid at an outlet.
The client may fully repay the loan principal and interest in a lump sum in advance through mobile banking, Internet banking and an outlet.
4) Inquiry about foreign currency pledge amount
A client may inquire about the total amount, available amount and valid term of foreign currency loan online.
5) Closing self-service pledge loan
Any client who has activated self-service pledge loan may close the function of self-service pledge loan through mobile banking. After closing the function, the client cannot apply for loan service with any wealth management card registered with the same ID card in IB through Internet banking and mobile banking.
2. Inquiry about Loan Information
A client may check all information on the loan applied from the bank within a period.
3. Inquiry about Loan Limit
A client may check the specific information about the "personal overall credit line" under the personal overall consumption loan and personal business loan applied from the bank.
4. "Business Express – Simple Loan"
1) Granting Simple Loan
You can handle the granting of Simple Loan via the mobile Internet banking platform and have the funds granted to your own IB account or the entrusted payer account of another bank.
2) Repayment of Simple Loan
You can repay the applied Simple Loan via the mobile banking platform in part or whole.
3) Inquiry of Simple Loan details
You can inquire about the details of the Simple Loan applied.
4) Tentative calculator of Simple Loan
Clients may calculate the interest of Simple Loan via the mobile banking platform tentatively.
You may pay various utility fees (namely water fare, electricity fare, gas fare and mobile phone fees, etc.) in the mobile banking system. The specific agency fees payment items may be different depending on the agency fees payment businesses opened by each branch.
1. Online Fees Payment
You may pay various utility fees online.
Notes: (1) Those debit cards, for which no agreement was signed on the self-service fees payment function of mobile banking, can continue to be used for paying fees if they have been bundled with SMS Guard. The limit of payment for each calendar month is RMB 5,000, and in case of exceeding the limit, it is required to activate the self-service fees payment function for further payment of fees.
(2) For those debit cards of which the self-service fees payment function has been closed by the clients themselves, the clients must apply for re-activating the fees payment function over the counter or activate the function with security tools over the Internet banking platform and then these cards can be used to pay fees.
2. Inquiry about Previous Fees Payments
It allows inquiring about the detailed transaction information on the fees payment via personal Internet banking.
3. One-key Fees Payment
You may preset the fees payment account and initiate the transaction of fees payment directly.
1. One-key Transfer
You can transfer money quickly by selecting the saved one-key transfer instruction, enter the trading amount and certification message. It supports saving "transfer and remittance — real-time intra-bank transfer, real-time inter-bank transfer-out, and regular inter-bank transfer" as the "one-key transfer" instructions, and setting or modifying the instruction byname.
2. One-key Fees Payment
You can pay fees quickly by selecting the saved one-key fees payment instruction, enter the trading amount and certification message. It supports saving "self-service fees payment -- fees payment for mobile phone numbers in Fujian Mobile" as the "one-key transfer" instruction and setting or modifying the instruction byname.
3. One-key Repayment
You can make repayment quickly by selecting the saved one-key repayment instruction, enter the trading amount and certification message. Meanwhile, it supports setting or modifying the instruction byname.
It means to Transfer funds from a wealth management card to a credit card (the same ID number and name for the two cards) for RMB repayment. With the function of "Latest Details", a client may check the details on repayment for credit card under the same name.
1. Account Information
You can inquire about account information of credit card.
2. Repayment with wealth management card under the same name
It allows making repayment for a credit card with a wealth management card, with the two cards sharing the same ID card number and name.
The system will, based on the credit card number logged in by the client this time, search the valid IB wealth management card under the same ID card number as the credit card, and after selecting and verifying the card number and password for wealth management card, the client can make repayment for the credit card.
3. Consumption Installments
1) Application of installments
Clients may apply for repayment in installments for a single transaction of over RMB 100 that has been recorded but not invoiced. The card holder can apply for 3, 6, 12, 18, and 24 installments (the period for each installment is a month), which are subject to the adjustment of program rules of the credit card center. The handling commissions calculated on the trading page of mobile banking are only for reference, and are subject to the actual amount deducted and collected by the credit card center. The handling commissions will be included on a lump-sum basis on the first billing day after installment. The application for consumption installment will become effective on the following day.
2) Inquiry about installment information
It allows checking the detailed information on consumption installments.
3) Early repayment
Early repayment is allowed for allocated consumption installments. The sum of repayment is the unallocated sum, and will be included into the current credit card bill.
4) Canceling installment
Unallocated consumption installments can be canceled, namely, the application for consumption installments can be canceled after the application and before the billing date of this month. After cancellation, the client may immediately re-apply for consumption installments.
4. Statement Installments
90% of unpaid RMB consumption amount that has been billed (RMB 100 to the minimum) may be applied for bill installments. The client cannot choose bill installments for other proportion. The card holder can apply for 3, 6, 12, 18, and 24 installments (the period for each installment is a month), which are subject to the adjustment of program rules of the credit card center.
The handling commissions calculated on the trading page of mobile banking are only for reference, and are subject to the actual amount deducted and collected by the credit card center. The handling commissions will be included on a lump-sum basis on the first billing day after installment. No commissions will be returned after collection.
The card holder must apply for handling the bill installments for one calendar day (excluding the due repayment date) before the due repayment date after the current billing day.
5. Unsent RMB bill
It allows checking the coming RMB bills of the credit card.
6. Cash advancement in IB
A client must visit the mobile banking with the mobile phone number registered in the credit card center of our bank. After successful logon, the client may transfer the amount within the RMB cash advancement line of his or her credit card or the RMB overpayment to his or her IB wealth management card (including e-card) instantly. This amount of funds can then be withdrawn or transferred by the client.
The client's name and certificate number of the wealth management card applied for cash advancement through mobile banking must be consistent to the client's name and certificate number of the credit card.
7. Inter-bank Cash Advancement
A client must visit the mobile banking with the mobile phone number registered in the credit card center of our bank. After successful logon, the client may transfer the amount within the RMB cash advancement line of his or her credit card or the RMB overpayment to his or her account opened in another bank on a real-time basis. This amount of funds can then be withdrawn or transferred by the client.
8. Mobile Phone Top-up
Clients activating the Internet payment with credit cards can pay fees for mobile phones of China Mobile, China Unicom and China Telecom across China. Meanwhile, it provides the top-up with preferential coupons.
9. Self-service Fees Payment
At present, this function supports the payment of mobile phone fees for China Mobile (Fujian).
10. Bill Inquiry
1) Unsent bill inquiry
You can check the details of unsent RMB and USD bills of a credit card.
2) Previous bill inquiry
It allows checking the information of previous RMB and USD bills and detailed bills of the credit card.
3）. Inquiry of Billing Date
You can check the billing date of your credit card of each month.
4) Modification of bill delivery method
You can modify the current bill delivery method for your credit card.
11. Inquiry about Rewarded Points
You can check your credit card points and details on the rewarded points
12. Setup of Functions
1）. Activating online payment
After successful logon, clients may activate the function of permanent online RMB payment. The payment limit can be set by the client, but it should be an integral amount. (The maximum payment limit is subject to the credit card system, and it may be different depending on each specific credit card.)
2) Setting automatic repayment relation
A client may set, change and cancel the automatic repayment relation for his or her credit card; and the client may select "Repay the minimum amount" or "Repay all" as needed. The client's name and certificate number of the wealth management card or deposit book for which the client applies to set, change and cancel the automatic repayment relation through mobile banking must be consistent to the client's name and certificate number of the credit card. Otherwise, the client must handle such services at the counter.
3) Setting transaction SMS
A client may activate/close transaction SMS function for his or her credit card. The mobile phone that receives the transaction SMS should be the one registered in the client's information for the credit card, rather than the one used to access the mobile banking.
4）. Application for IB e-card
Credit card clients may apply for IB e-card.
13. Inquiry about Mobile Banking Points
You can inquire about the accumulated points of mobile banking by the previous day and the newly-increased points in the current year and month.
14. Inquiry about Inter-bank Account Information
It allows inquiring about the balance, transaction details and agreement information of another bank's account that has entered into information inquiry agreement.
The service requires that an agreement for launching inquiry of information on the balance and transaction details of another bank with an IB account (wealth management card or credit card) via the online inter-bank payment and settlement system of the People's Republic of China must be signed and entered into in the Internet banking system of IB or the other bank.
15. Inquiry about Purchased Foreign Exchange
It allows checking the information on purchase foreign exchange in the credit card.
16. Management of Personal Information
Any client can modify his or her credit card billing address and personal information.
17. Modification of Password
Any client can modify the inquiry password and trading password of his or her credit card.
18. Reporting Loss of Credit Card
Upon the loss report for any credit card, the certificate type and number used to apply for the credit card, the mobile phone number registered upon application, and withdrawal password should be verified. If any of the above information is not correct, the loss report will be invalid.
1. Business Application of Mobile Banking
1) Registration of logon name
The mobile banking allows a client to log on the mobile banking system with a customized logon name. The retail wealth management card and credit card clients of IB may register through mobile banking and set the logon name and password for mobile banking. Upon registration, the client is required to enter the wealth management card number and password or credit card number and inquiry password for identity verification, then read and sign the "Agreement of the Industrial Bank on Using Logon Name of Mobile Banking and the "Agreement of the Industrial Bank on Using 'Natural Life' Family Wealth Management Card". After signing the two agreements, the client should enter the logon name and set the password for mobile banking, and finally enter the mobile phone number to complete the registration.
The logon name may be a combination of 3-11 numbers and English letters (or all numbers or all letters) without any other characters. The logon name is not case sensitive and no tautonymous name is permitted. We recommend that you use your mobile number as your logon name. Only one logon name can be registered for a bank card, and one logon name can be associated with up to 10 bank cards.
The password for mobile banking may be a combination of 6-10 numbers and English letters (or all numbers or all letters), and English letters are case sensitive. In order to improve the security of a mobile banking password, we recommend that clients use a combination of numbers and letters and aperiodically change the password through "Online Mobile Banking – Business Application – Business Application of Mobile Banking – Reset Password" or "Client Mobile Banking – Business Application – Business Application of Mobile Banking – Reset Password for Mobile Banking".
After logging on the mobile banking system with the logon name, the client may associate all wealth management cards or credit cards applied in IB to the logon name (Mobile Banking – Service Management – IB Accounts Management – Add Associated Account). After successful association, the client may switch to any related card in the mobile banking system. Multiple accounts can be managed with a single logon name.
2) Inquiry about logon name
A client may inquire about the logon name to which a bank card is associated.
3) Resetting the mobile banking password
It provides the function of password resetting for the mobile banking.
The password for mobile banking will need to be reset in the following two circumstances: 1) the password is locked after being entered incorrectly six times in a row, and the client cannot login the mobile banking once the password has been locked.2) The client resets the password for the purpose of changing the password regularly or because he or she discovers unauthorized use of the login name and password of the mobile banking.
4) Canceling mobile banking logon name
Any client may cancel the logon name for mobile banking, and he or she cannot use a canceled logon name to log on the mobile banking system. However, such cancellation will not affect the mobile banking services for associated bank cards. To close or cancel the activated mobile banking services for a wealth management card, the client is required to log on the Internet banking with a certificate or handle such services at the counter.
2. Application of Credit Card Business
1) Activating credit card
It allows activating the credit card that has been applied successfully.
2) Setting inquiry password for credit card
A client may set the inquiry password for a credit card that has no inquiry password, or reset the inquiry password for one that has been locked because the password has been entered incorrectly over the set times.
3) Inquiry about credit card application progress
A client may check the credit card application progress according to his or her certificate number.
3. Online Payment
1) It allows activating online RMB payment for wealth management cards and credit cards.
2) The default daily limit for online payment activated for a wealth management card is RMB 1,000, and it can be modified by clients, but not more than RMB 5,000.
3) The online payment activated for a credit card may activate the permanent online RMB payment. The payment limit can be set by the client, but it should be an integral amount. The maximum payment limit is subject to the credit card system, and it may be different depending on each specific credit card.
4. Application for IB e-card
Wealth management card and credit card clients may apply for IB e-cards.
5. Receipt Inquiry
After a remitter makes a successful transfer/remittance through mobile banking, he or she may enter the mobile phone number of the payee to send a SMS notification to the payee. The message reads "Zhang San has made a transfer to your account via IB mobile banking. For details, please visit wap.cib.com.cn and input 11112222 (receipt No.) and the payee account number for checking. [Industrial Bank]"Entering the receipt No. and the receiving account number, the payee may view the details of the transfer and remittance through mobile banking. The information displayed is for reference only, and the final result shall be subject to the original record kept by the bank.
Mobile Phone Top-up supports all online payment clients with IB wealth management card and credit card to pay fees for mobile phones of China Mobile, China Unicom and China Telecom across China. Meanwhile, it provides the top-up with preferential coupons.
[Foreign Exchange Sale and Purchase]
It provides the service of foreign exchange sale and purchase.