交通银行

交通银行手机银行是在全新移动应用平台上研发出的具有云服务、智能化、定制化、开放式、高安全等特点的手机银行系统。
它是交通银行紧随移动互联网浪潮，依托我行强大的业务后台及IT研发能力，不断创新丰富产品并提升客户体验推出的、具有划时代意义的手机银行客户端产品。

四个第一
1、第一个采用“云+端”架构的手机银行
第二代手机银行采用轻客户端模式，通过客户端与云端服务相结合，支持局部加载、动态更新，能够快速开发、灵活发布，具有自选应用集市、可快速对接第三方应用、客户端运行速度更快、流量更省等特点。
2、第一个具有“智慧”的手机银行
第二代手机银行能够区分客户类别，实现差异化服务；能够智能推送，想客户之所想，荐客户之所需；能够自适应终端，智能匹配不同尺寸、分辨率屏幕；独家提供语音助手功能，可以实现语音控制，做你“听话”的手机银行。
3、第一个实现“安全大额转账”的手机银行
第二代手机银行首家推出手机魔卡，实现手机银行的硬件证书安全保证，支持大额转账；采用双通道的加密技术，实现交易安全保证；与专业安全厂商合作，确保您的手机银行安全无忧。
4、第一个实现“手机非接圈存”的手机银行
第二代手机银行利用手机NFC功能，实现对标准IC卡电子现金账户圈存。首家与中国银联共同推出音频IC卡，并利用手机音频口实现对音频IC卡的圈存。在银行业内首家实现通过手机非接圈存标准IC电子现金，摆脱了对运营商和手机厂商的依赖。

十二大特色
1、智能推送、智慧链接：能够想客户之所想，荐客户之所需，智能推送信息、联动完成交易。
2、丰富展现、绚丽多彩：采用全新开发技术，全新设计UI风格，界面清新简约，支持动画效果的展现。
3、云端技术，动态加载：采用“云+端”的客户端架构，支持局部更新和动态加载，无需频繁下载更新客户端。
4、多重保障、安全无忧：具有防截屏功能，图型密码键盘保护，交易采用双通道加密技术，使用我行首创的手机魔卡，满足客户大额转账需求。
5、开放合作、快速接入：提供开放式平台，能够快速开发部署第三方增值服务，客户可从云端自助下载应用，享受定制化服务。
6、离线存储，疾速浏览：支持手机客户端离线存储，使浏览速度更快，更为节省流量。
7、模块开发，快速部署：使用模块化开发技术，提高程序的复用率，可以快速开发和部署应用。
8、各类终端，灵活适应：客户端能够自动适应手机终端的屏幕和尺寸，避免推出专属机型客户端。
9、不同平台，一致体验：新的平台技术统一了客户跨平台（操作系统）、跨终端的界面、流程和操作体验。
10、应用集市，个性定制：我的手机我做主，首页业务功能可由客户自行定制，图标可以自由排列。
11、手机钱包，拍码收付：与中国银联、中国移动合作手机钱包业务，推出近场支付；手机拍摄二维码，实现资金收付；首家与中国银联合作推出音频IC卡，并利用手机NFC功能，实现标准IC卡非接圈存。
12、语音助手：首家推出语音助手功能，通过语音控制手机银行，把手机银行变成“听话的银行”。 Jiaotongyinhang mobile banking is the new mobile application platform has developed a cloud service, intelligent, customized, open, high security features such as mobile banking system.
It is followed Jiaotongyinxing wave of mobile Internet, relying on the Bank's strong business background and IT R & D capabilities, innovative products enrich and enhance the customer experience the launch of a landmark mobile banking client products.

The first four
1, the first use of "cloud + client" architecture of mobile banking
Second-generation mobile banking using light client mode, through a combination of client and cloud services, support local loading, dynamic update, to quickly develop, publish and flexible, with optional application market, third-party applications can be quickly docked, the client runtime faster, more economical flow characteristics.
2, has a "smart" phone banking
Second-generation mobile banking can distinguish between customer type, service differentiation; capable of intelligent push, customers would like to think, recommended the desired customer; adaptively terminals, intelligent matching of different sizes, screen resolution; exclusive voice assistant can realize voice control, do you "obedient" mobile banking.
3, the first to achieve "secure transfer of large" Mobile Banking
Second-generation mobile banking launched the first mobile phone magic cards, hardware security certificate to ensure mobile banking, support large transfer; dual-channel encryption technology, to ensure transaction security; cooperation with professional security companies, make sure your phone banking security worry.
4, the first to achieve "mobile contactless Quancun" Mobile Banking
Second-generation mobile banking using a mobile phone NFC function, to achieve the standard IC card electronic cash account Quancun. And China UnionPay jointly launched the first audio IC card, and the use of mobile audio port to achieve audio IC card Quancun. In the banking industry's first non-contact through the mobile phone Quancun standard IC electronic cash, get rid of dependence on carriers and handset manufacturers.

XII Features
1, intelligent push, wisdom Links: can think customers want, need to recommend customers, intelligent push information, linkage to complete the transaction.
2, showing rich, colorful: the use of a newly developed technology, the new UI design style, fresh and simple interface, support for animated show.
3, the cloud, the dynamic loader: a "cloud + client" client architecture that supports dynamic updates and partial load, without frequent client to download updates.
4, multiple protection, security worries: with anti-screen capture feature, pattern keyboard password protection, encryption technology dual-channel transaction, the Bank's first mobile phone using magic cards to meet customer demand for large transfers.
5, open cooperation and quick access to: provide an open platform to rapidly develop and deploy a third-party value-added services, customers can download the application from the cloud self-service and enjoy customized services.
6, offline storage, fast browsing: support mobile client for offline storage, make browsing faster, more economical flow.
7, module development, rapid deployment: modular development technology to improve the program multiplexing rate, can quickly develop and deploy applications.
8, various types of terminals, flexible adaptation: The client can automatically adapt to the screen size and mobile terminals, to avoid the introduction of unique models of the client.
9, different platforms, a consistent experience: the new unified platform technology customers cross-platform (Caozuoxitong), cross-terminal interface, processes and operations experience.
10, application market, personalized custom: my phone I call the shots, Home business functions customized by the customer, icons can be freely arranged.
11, mobile wallet, payment code beat: with China UnionPay, China Mobile to mobile wallet service, the introduction of near-field payment; mobile phones to take a two-dimensional code, achieve financial payment; the first cooperation with China UnionPay to launch audio IC card, and use NFC-enabled mobile phones, contactless IC card standard to achieve Quancun.
12, the voice assistant: first to introduce voice assistant, by voice control mobile banking, phone banking into "obedient bank."