1. What is WAP?

WAP is the abbreviation of Wireless Application Protocol. It is a kind of technical standard for data transfer via wireless network. WAP enables an access to the Internet via mobile phone. Website of Industrial Bank WAP mobile banking ( https://wap.cib.com.cn ) is constructed on the basis of WAP.

At present, the available WAP versions include WAP1.x and WAP2.0, in which WAP2.0 is more improved. Most of the mobile phones support WAP2.0, while part of mobile phones only supports WAP1.x.

Enjoying "Wireless Channel" WAP mobile banking service requires WAP mobile phones that support WAP. For the sake of customers' fund security, we only offer assets inquiry and customer management services for WAP1.x mobile phone, but open all mobile banking services for WAP2.0 mobile phone.

2. What is KJAVA?

JAVA is a kind of computer programming language. J2ME is the JAVA language which applied especially for mobile phone programming. The applied software programmed by J2ME is commonly about XXK-bit size, so J2ME is usually named as KJAVA. The client software of Industrial Bank' mobile banking was written by J2ME.

KJAVA mobile banking offered by Industrial Bank requires mobile phones supporting JAVA extension.

3. What is GPRS network?

GPRS is the abbreviation of General Packet Radio Service. It is the advanced 2.5G network of China Telecom, which can offer faster speed, shorter connection time, more favorable charge fee for internet access via mobile phone. To be more concrete, GPRS is a kind of technology for speedy data processing, which transfers data to the customers' mobile phones by the mode of packet.

4. What is the internet surfing via mobile phone?

With mobile phone terminal and the wireless network offered by mobile telecommunication supplier, customers can get access to the website constructed on the basis of the wireless internet technology, and enjoy real-time wireless net service. At present, "Wireless Channel" by Industrial Bank only opens service to China Telecom mobile phone users.

5. How to get access to internet via GPRS network?

Usually, the following steps would be applied to the internet access:

(1) Check if your mobile phone supports WAP;

(2) Open GPRS service;

(3) Set internet access parameter of mobile phone;

Please note: GPRS service by China Telecom is not free of charge. Please dial 10086 for more details.

6. How to visit "Wireless Channel" of Industrial Bank via mobile phone?

Please keep to the following steps to visit "Wireless Channel" of Industrial Bank via mobile phone:

(1) For the moment, we only open service to China Telecom mobile phone users;

(2) Check the features of mobile phone terminal;

(3) Get access to internet via GPRS network of China Telecom;

(4) Choose following paths to visit "Wireless Channel":

- Enter the website address https://wap.cib.com.cn of mobile banking into the mobile phone and connect;

- Visit Monternet and follow the path "Monternet  → Mo New Life → Mobile Wallet → Mobile Banking → Industrial Bank" for connection;

- Visit with the KJAVA client software downloaded in your mobile phone.

- If you have any questions, please feel free to contact us.

7. How to download and install KJAVA mobile banking service?

Take the FX service for instance:

(1) Check if your mobile phone supports JAVA extension;

(2) Visit the home page of WAP mobile banking via mobile phone;

(3) Choose "Download KJAVA";

(4) Choose "Download FX Service";

(5) Choose "Download jad" or "Download jar";

(6) After finish downloading, the program will be installed automatically for use.

The programs automatically installed in mobile phone are named "IFX" for FX service and "IBS" for bank-security service respectively.

8. What should notice before I apply for the services under "Wireless Channel"?

(1) Make sure that your mobile phone can get access to internet via GPRS;

(2) Suggest visit the home page of our mobile banking service according to the relative description of visiting "Wireless Channel";

(3) Suggest download and install KJAVA mobile banking service according the relative description of visiting "Wireless Channel";

(4) Open IB wealth management card or IB credit card, in which credit card holders are restricted to credit card service of WAP mobile banking, and wealth management card holders can enjoy all WAP mobile banking services except credit card service.

9. How to apply for the services under "Wireless Channel"?

The access to the service application will be changeable according to the different services:

For wealth management service: please visit our WAP mobile banking website via mobile phone and log in with both "IB wealth management card and IB wealth management card password" for direct use;

For assets inquiry and customers management services: please visit our WAP mobile banking website to finish mobile banking service registration via mobile phone, and log in with both "IB wealth management card and mobile banking password" for direct use;

For credit card service: please visit our WAP mobile banking website via mobile phone and log in with both "IB credit card and credit card inquiry password" for direct use; the inquiry password of credit card should be preset via counter, internet banking, telephone banking, or other channels.

For designated transfer, bill payment, FX transaction, fund transaction and bank-security services: please go to our banking outlets for service application, and log in with both "IB wealth management card and IB wealth management card password" for direct use after submitting "Application Form of Industrial Bank Mobile Banking Service" and signing "Agreement on Industrial Bank Mobile Banking Service".

For FX service and bank-security service of KJAVA mobile banking: please go to our banking outlets for service application, and log in with both "IB wealth management card and IB wealth management card password" for direct use after submitting "Application Form of Industrial Bank Mobile Banking Service" and signing "Agreement on Industrial Bank Mobile Banking Service".

When applying for FX transaction and bank-security services of mobile banking via counter, the corresponding services supported by WAP and KJAVA mobile banking will be opened at the same time.

10. How to register mobile banking service?

For first-time users who apply for our assets inquiry service and customer management service, please log in our mobile banking website to finish mobile banking registration, the operation steps are as follow:

(1) Visit the hone page of our mobile banking service;

(2) Choose "Assets Inquiry" or "Customer Management";

(3) Choose "Register";

(4) Follow the operations below:

- Enter the card number and password of IB wealth management card;

- Set and confirm the password of mobile banking;

- Press number "0" if you do not want your password to be tied with mobile phone number;

- Enter verifying code and finish registration.

After successful registration, log in with both "IB wealth management card and IB wealth management card password" for assets inquiry service and customer management service.

Please note that the mobile banking password is matched to the given IB wealth management card, different wealth management card will require different mobile banking password.

11. What should I do if I forget my password?

Just reregister the mobile banking service and reset the mobile banking password.

12. How much is the charge fee of "Wireless Channel"?

Services under "Wireless Channel" are free of charge for the moment. You only need to pay for the internet access fees charged by mobile telecommunication supplier. Please dial 10086 for more information.