Method and system for logging onto online bank with mobile phone, and bank server

Abstract

The invention discloses a method and a system for logging onto an online bank with a mobile phone, and a bank server for purpose of enhancing the security, validity and reliability of logging onto the online bank with a mobile phone of a user. The method comprises the following steps: a login request sent through the mobile phone of the user is received and carried with login information and first identification information used for uniquely identifying the mobile phone of the user; the registration login information and the banking account information corresponding to the mobile phone of the user are determined according to the first identification information; and the login information in the login request is verified according to the registration login information, and when the login information in the login request is successfully verified, the mobile phone is allowed to be logged onto the online banking page corresponding to the banking account information. By adopting the technical scheme, the security, validity and reliability of logging onto the online bank with the mobile phone of the user are enhanced.

Description

technical field [0001] The invention relates to the field of communications, in particular to a method and system for logging into mobile phone online banking, and a bank server. Background technique [0002] At present, with the accelerated pace of people's life and the development of science and technology, more and more users use online banking to handle account transactions (such as online payment, online transactions, etc.), which not only saves the time for users to go to the bank to queue up, but also It can realize the demand of handling business at any time in 24 hours. Therefore, handling account business through online banking is more and more favored by people. At present, users use digital certificates to ensure the security of login when logging in to online banking. At present, the more commonly used digital certificates include: USBKEY, soft certificate, etc.; but because the mobile phone does not have a USB interface, the mobile phone cannot use the USBKEY, ...

AI Technical Summary

Problems solved by technology

This method of logging in to mobile online banking has the following defects: on the one hand, the user's bank account number and password are easily stolen by others, and the security is low; on the other hand, the user needs to enter a bank account number with a long number when logging in. Therefore, the user needs to remember the bank account number or carry the bank card with him, which will bring a lot of unnecessary troubles to the user, such as misremembering the bank account number, forgetting to carry the bank card or losing the bank card, etc. will make the user unable to successfully log in to the mobile phone Online banking, so that the account business cannot be processed in a timely manner. Therefore, there will be problems of low login efficiency and poor reliability when using the existing login method

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