Mobile banking cross-border payment transaction security verification method

A mobile banking and security verification technology, applied in the payment system, payment system structure, protocol authorization, etc., can solve the problems of low security, abnormal fund transactions, and no increase in protection, and achieve the effect of reducing trouble and ensuring security.

Pending Publication Date: 2022-03-04
富邦华一银行有限公司
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  • Abstract
  • Description
  • Claims
  • Application Information

AI Technical Summary

Problems solved by technology

[0005] The existing cross-border payment method of mobile banking does not increase any protection, resulting in low security and easy to cause abnormal fund transactions. Therefore, we propose a security verification method for cross-border payment transactions of mobile banking

Method used

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  • Mobile banking cross-border payment transaction security verification method

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Embodiment Construction

[0029] The following will clearly and completely describe the technical solutions in the embodiments of the present invention with reference to the accompanying drawings in the embodiments of the present invention. Obviously, the described embodiments are only some, not all, embodiments of the present invention. Based on the embodiments of the present invention, all other embodiments obtained by persons of ordinary skill in the art without making creative efforts belong to the protection scope of the present invention.

[0030] see figure 1 A method for verifying security of cross-border payment transactions in mobile banking, comprising the following steps:

[0031] Step 1: Initiate payment, open the mobile terminal, open mobile banking, select the object to be transferred across borders, and then enter the amount.

[0032] Obtain the mobile payment request during the payment process. The mobile payment request includes bank card information and mobile phone information. Acc...

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Abstract

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.

Description

technical field [0001] The invention relates to the field of cross-border payment transactions of mobile banking, in particular to a security verification method for cross-border payment transactions of mobile banking. Background technique [0002] Mobile banking can also be called mobile banking, which is an abbreviation for using mobile communication networks and terminals to handle related banking services. [0003] As a brand-new service that combines electronic currency and mobile communication, it not only enables people to handle various financial services at any time and any place, but also enriches the connotation of banking services, enabling banks to provide convenient, efficient and relatively Provide traditional and innovative services to customers in a safe way. [0004] Security verification can be verified through mobile phone text messages, emails, graphics, etc. [0005] The existing mobile banking cross-border payment method does not add any protection, ...

Claims

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Application Information

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Patent Type & Authority Applications(China)
IPC IPC(8): G06Q20/32G06Q20/10G06Q20/34G06Q20/38G06Q20/40
CPCG06Q20/3223G06Q20/3224G06Q20/34G06Q20/10G06Q20/382G06Q20/4015G06Q20/40145
Inventor 王文锋程南冯一嘉叶丽芳
Owner 富邦华一银行有限公司
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