关于手机银行身份认证方式的研究

Research on the Method of Mobile Banking Identity Authentication

作为新一代的电子银行服务,手机银行让手机成为一个掌上银行柜台,用户可随时随地体验各项金融服务。与传统银行相比,手机银行打破了传统银行业务办理的地域、时间限制,能随时随地为客户提供金融服务。但在带来便捷的同时,手机银行由于脱离了面对面的业务场景,需要解决身份认证、交易数据合法性等问题,为此各家银行推出了各类解决方案。本文介绍了常用的手机银行身份认证的技术手段。

As a new generation of e-banking services,mobile banking makes mobile phones a handheld banking counter,allowing users to experience financial services anytime,anywhere.Compared with traditional banks,mobile banking breaks the geographical and time constraints of traditional banking operations and can provide financial services to customers anytime and anywhere.However,while bringing convenience,mobile banking has to solve the problems of identity authentication and transaction data legality due to the fact that it has left the face-to-face business scenario.For this reason,various banks have launched various solutions.This paper introduces the technical means of common mobile banking identity authentication.