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.