For example, in 2015, Henan Rural Credit Cooperative (Commercial Bank) Mobile Phone Bank launched a new mobile phone hardware binding function, which binds the mobile phone bank client to the mobile phone equipment commonly used by customers. Customers can easily complete all kinds of financial transactions of mobile phone banks through short message authentication, which is safe and convenient. In addition, Henan rural credit cooperatives (commercial banks) mobile banking give customers more preferential treatment in a variety of services, such as transfer and remittance, and launch mobile banking exclusive wealth management products from time to time, bringing more benefits to customers.