With intelligent the rapid spread of the cellphone, the home most Banks are already out mobile phone bank business, but the current pay by environmental and safety the influence of the situation, mobile banking business has been disappointing.
Made from market research a set of data shows, because Internet fraud, network "fishing" for the phenomenon such as flood, nearly sixty percent of intelligent mobile phone users said most worried about mobile payment security. This greatly influences the mobile phone bank business promotion.
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According to the financial investment, reported in chengdu business lady suddenly found himself of his mobile phone downtime. Shaw woman says, because the mobile phone down is not able to use mobile phone bank, in the afternoon she went to bank for business, when she will insert ATM card to find 40000 yuan deposit in the bank account had disappeared.
"The members of the bank, said the morning after inquires is someone I used in mobile phone bank function, will I card the money in all turn away." Shaw, she said that the inquires, her phone number in a business hall is others fill do use, her phone be forced to stop.
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Mobile phone viruses can be stolen to listen to customer password
Guangzhou students of a university at ordinary times by mobile phone bank like Mr Zhang manage his own personal assets, not long ago, he through the Internet search download a state-owned bank a mobile phone e-currency payment client, but after a few days on the login using that can't login, repeatedly tip password mistake.
In technical students under the hint, Mr. Zhang at once to the bank counter query, found that the password has been changed. Mr. Zhang told the reporter, thanks to the account at ordinary times are just used to buy on the net some small things, less money.
Security vendors analysis, Mr. Zhang smartphone is infected with the mobile phone operating the workbench famous "ultimate secret steal" mobile phone viruses, its typical characteristics for, and brake into mobile phones will be in the background after monitor the user's input, capture to a user's password by message after the bank to hackers, each other once remote change the password, it can transfer operation.
Fraud message implied "fishing" web site
Citizens ms. Chen to reporters yesterday reflected, its during the Spring Festival received content for the "Spring Festival ritual, rob iPhone4S send house to text and invite them to enter the lucky draw. Ms. Chen by mobile phone text message incidental to browse the web, and "lucky" to take in the first prize, but the web site remind ms. Chen in before the pay the service charge, and requirements on a web site to input their own cellphone bank account and password.
For safety, ms. Chen to web sites and this information for keyword search on the net, and found that the site is in the large net friend to inform against, say anyone can win, and will be asked to pay for fees.
Security expert analysis, ms. Chen received is the typical "fishing websites" message, once the theft customer bank card password.
The current situation: domestic mobile phone banking business of the low end
China Internet network information center (CNNIC) data show that by the end of December 2011, the Chinese mobile phone online pay users to 30.58 million, according to a market research firm Berg Insight data show that the mobile phone bank users already amounted to 360 million, is expected to grow to 890 million in 2015.
However, such a huge market is the low end of the business behind the reality. See from abroad, mobile phone bank account management, collection can transfer the remittance, payment, different, investment finance, three party save tube, bill payment, credit card, consultation, etc. Various kinds of bank service function, a mobile phone can management individually-owned financial accounts. In contrast, the Chinese mobile phone bank development has been under the restriction of the hardware and software environment, is still stay in consumption, transfer level.
Agricultural bank electronic banking sector a senior engineer told reporters that at present the main business of mobile phone bank faced "hardware and software standardization" problem. Because the software and hardware of the mobile terminal system continuously transformation, Banks need to constantly updated debugging system, in this process may produce some technical loophole or blind spots, let the criminal had favour.
"For Banks, mobile phone bank platform and hardware and software if can uniform standard, the safety of the mobile phone bank can greatly improve." The engineer told reporters.
Experts: finished with mobile phone bank removal after password information
Nets qin mobile security (the Po) expert dr ZouShiHong told reporters that the whole mobile payment industry need to build a safe through the environment to enhance the users pay for faith, this includes information safety audit, the seller or shops to the authentication, enhance the comprehensive mobile security protection mechanism for shielding virus Trojan intrusion etc, and defend the users pay for safety.
And for mobile phone users pay, ZouShiHong is recommended to improve safety consciousness, choose regular trading DianShangWang station, installation of professional mobile phone security software, killing and intercept men mobile phone viruses, and recognition in the website of text messages, the possible existence of "fishing" website links.
Expert proposal, the user to do the following a few to: keep good mobile phones and password, and set up reasonable transfer pay limitation, opened SMS notification service timely language, beware of false WAP site and network fishing, use the cell phone Banks should keep clear of cell phone memory temporarily store account, and other sensitive information such as password.
Bank: will continue security upgrade
For customers to the worries of mobile phone bank, the bank of China business personnel told reporters that the bank will for potential system vulnerabilities and virus problem, continuous system development and function optimization. Industry and commerce bank a business department chief to reporters: "mobile phone banking business will be next hardware and other physical authentication, the UK code identification of open access, increase the breakthrough and the will continue security upgrade."
Experts think, at present Korea, Japan cellphone bank development more successful, in cell phones with built-in intelligent chip, but through the special memory card into electronic financial services.
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