Electronic bank safety certificating method and system based on mobile equipment

Abstract

The invention provides an electronic bank safety certificating method based on mobile equipment, which comprises the following steps of: sending transaction information of payment by the transfer of accounts at a bank client to a safety certificating server by utilizing an electronic bank server; sending the transaction information of payment by the transfer of accounts and the preset safety certificating indication information to a safety certificating memory arranged on the mobile equipment by utilizing the safety certificating server through the mobile equipment; judging whether digital signature certification or dynamic command certification is carried out on the transaction information of payment by the transfer of accounts by utilizing the safety certificating memory according to the safety certificating indication information, if so, carrying out digital signature certification on the transaction information of payment by the transfer of accounts, if not so, carrying out dynamic command certification on the transaction information of payment by the transfer of accounts. The invention also provides an electronic bank safety certificating device based on the mobile equipment. The invention can provide unified safety certification for multi-channel electronic transactions. The device has the characteristics of convenience for carrying, good custom experience and the like.

Description

technical field [0001] The invention relates to the field of financial services, in particular to a mobile device-based electronic bank security authentication method and system. Background technique [0002] As a convenient financial service channel, electronic banking is of great significance to customers, society or the bank itself. For banks, on the one hand, e-banking has become a sharp weapon for banks to stabilize high-quality customers and compete for new customers, which can effectively enhance the core competitiveness of banks. On the other hand, e-banking has effectively diverted the counter business and relieved the pressure of queuing at the counters of outlets. In addition, electronic banking also saves a lot of operating costs. [0003] At present, electronic banking usually includes online banking, mobile banking, and telephone banking. For online banking, domestic banking usually uses USB Key to ensure business security; for mobile banking, domestic bankin...

AI Technical Summary

Problems solved by technology

[0004] However, online banking identity authentication based on USB Key and dynamic password token has certain limitations, because USB Key and dynamic password token cannot be applied to electronic service channels such as online banking, mobile banking, and telephone banking at the same time, which will inevitably cause the same bank to fail. , The same customer, different service channels, and different customer security experiences not only increase the cost for users to purchase different security products, but also reduce customer satisfaction and easily cause customer loss

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