Questions about "Lost transaction password ushield void" of online banking

The day before yesterday, when Mr. Xia used the bank's online banking business, he found that he forgot his USB key (ushield) Transaction password. The customer service staff of CCB told him that they forgot the transaction password, which caused the failure of the ushield and needed to purchase a new one. Mr Xia challenges the move as a waste of resources.

The day before yesterday, when Mr. Xia used the bank's online banking business, he found that he forgot his USB key (ushield) Transaction password. The customer service staff of CCB told him that they forgot the transaction password, which caused the failure of the ushield and needed to purchase a new one. Mr Xia challenges the move as a waste of resources.

Most banks do not have a "transaction password"

According to Mr. Xia, he handled the online banking business at the site counter of CCB in February this year and purchased the U shield. Since then, he has never used the business. A few days ago, Mr. Xia needed to transfer funds online and found that he had forgotten the transaction.
Password. After consulting, I learned that the Bank could not help him retrieve his password and had to purchase it again. "The original hardware was not bad, but it was necessary to invalidate it because the transaction password was lost? Isn't that a waste ?"

Yesterday, the reporter consulted the Bank of China, Industrial and Commercial Bank of China, China Merchants Bank, Bank of Communications, Industrial Bank of China and Everbright Bank, and found that the bank's online banking procedures were the same, customers in the six banks only need to set the logon password and the ushield password. After the password is lost, it can be reset. Only the China Construction Bank has added the "transaction password ".

China Construction Bank said it did not intentionally waste resources

According to relevant persons of China Construction Bank's Beijing Branch, the transaction password is a security protection measure different from that of other banks. In order to ensure transaction security for users of Alibaba Cloud security, CCB builds on the logon password and Alibaba Cloud security password,
The customer is also required to set a "transaction password ". When the customer handles the online banking business, the customer will obtain the password envelope, and then set the transaction password of the ushield on the PC. The password is only known to the customer.

The person said that, if the login password is lost, the bank can reset the password for the customer for free; if the password of the U shield is lost, the customer can take valid certificates and the U shield to the bank counter, and change a new U shield for free; if the transaction password is lost
Cannot be recovered. "Adding a transaction password is to ensure the security of the customer's online banking account. If the password is too large, it may be troublesome. However, the bank's original intention is good and it is not a deliberate waste of resources ."

[Note]
USB key, also known as ukey and ushield, is a tool used for online banking electronic signatures and digital authentication. It has a built-in micro-smart card processor and uses professional technologies to encrypt online data, ensures the confidentiality, authenticity, integrity, and non-repudiation of online transactions.