Data processing method and equipment based on bank mobile application

Abstract

The invention provides a data processing method and equipment based on bank mobile application. The data processing method based on bank mobile application comprises the following steps of: obtaining the card number information and transaction passwords of a bank card; reading an encryption key written into a security chip in advance, and encrypting the transaction passwords according to the encryption key and a prestored encryption algorithm to form password cryptograph; and transmitting the password cryptograph, the card number information and the prestored identification information of the equipment to a server through a client, then transmitting the password cryptograph, the card number information and the prestored identification information of the equipment to a security platform through the server so as to decode and verify the password cryptograph by the security platform, and executing the corresponding banking business of the bank card after successfully verifying the password cryptograph. The data processing method and equipment based on bank mobile application have the beneficial effects that as the encryption key is written into the security chip, the encryption key is read in the security chip when the encryption key is used; the transaction passwords are encrypted according to the read encryption key; the hardware encryption of the transaction passwords is realized; the safety of the transaction passwords can be effectively protected; and the potential safety hazard of bank mobile application is reduced.

Description

technical field [0001] The embodiments of the present invention relate to the field of communication technologies, and in particular, to a data processing method and device based on bank mobile applications. Background technique [0002] Mobile devices are more and more widely used in various scenarios due to their intelligent, portable, and easy-to-operate features. At present, mobile devices have become an important channel for banks to handle business, especially the rise of large-screen mobile devices, which not only maintains a good user experience for banking business processing, but also breaks the time and geographical limitations of business processing, and truly realizes customer-oriented The service concept of the center. [0003] To conduct banking business on the banking mobile application of the mobile device, it is necessary to provide a transaction password, so a safe and reliable environment and effective preventive measures must be provided to ensure the s...

AI Technical Summary

Problems solved by technology

[0005] The embodiment of the present invention provides a data processing method and device based on bank mobile applications, which solves the problem that in the prior art, the encryption of transaction passwords in the business process based on bank mobile applications mostly uses soft encryption, which cannot effectively protect the security of data , a technical problem that greatly increases the security risks of mobile banking applications

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