The invention relates to the field of
mobile banking cross-border
payment transactions, and discloses a
mobile banking cross-border
payment transaction security verification method, which comprises the following steps of: 1, initiating
payment, opening a
mobile phone terminal, opening a
mobile banking, selecting an object needing cross-border transfer, and inputting an amount; 2, inputting a
verification code, and carrying out payment; 3, after payment is completed, the
bank sends a money deduction message and a current balance message, then a remitter predicts the time and amount of money to be received, a
mobile phone payment request is obtained in the payment process, the
mobile phone payment request comprises
bank card information and mobile phone information,
bank card historical information is obtained from a bank
server according to the bank card information, and the bank card historical information is sent to the bank
server according to the mobile phone information; according to the method, the current bank card and the remittance object can be effectively compared, the safety of remittance payment is ensured to the greatest extent, and the problems that an existing mobile phone bank cross-border payment method is low in safety and easy to cause abnormal fund transactions due to the fact that the existing mobile phone bank cross-border payment method does not increase any protection performance are solved.