China Construction Bank: How can the mobile banking of China Construction Bank guarantee the safety of my funds?

China Construction Bank official reply:

So many banking services are realized on a small mobile phone, and ordinary people may ask, is mobile banking safe? Will personal information, bank account passwords and other information be leaked in wireless transmission? Next, we will introduce the security of mobile banking of China Construction Bank from its unique security functions and multiple security measures.

(1) The binding of customer identity information and mobile phone number constitutes the unique security of mobile banking.

Compared with other electronic banking channels, the most remarkable feature of mobile banking security is the construction of a hardware identification system based on mobile phone numbers, that is, the establishment of a unique binding relationship between customer identity information and mobile phone numbers. When customers use the mobile banking service, they can only log in to the mobile banking through the bound mobile phone number to check the account information, and others cannot enter the customer's mobile banking through other mobile phone numbers. Among them, the client version of mobile banking customers use mobile phone hardware information to bind with identity information.

(2) International advanced encryption means ensure the security of transaction data.

The mobile banking system adopts 1024-bit RSA asymmetric cryptographic algorithm to establish an end-to-end secure channel, encrypt data in the whole transmission process, summarize transaction data and other system security measures to ensure the security, reliability and integrity of customer transaction information in the transmission process.

(3) Various business security measures to prevent application risks.

Mobile banking takes measures such as password protection, reserved information setting, signing mechanism, transaction limit, SMS dynamic password and dynamic password card to effectively prevent business risks and ensure the security of mobile banking electronic trading platform.

(4) Privacy of customer account information in mobile phone.

Every time a customer leaves the mobile banking, key information such as account number and password will not be stored in the mobile phone memory, but the transaction information and account password will only be stored in the core host of the bank, and the login password will be protected to avoid the danger of the loss of the mobile phone to the customer's account information and funds.

(5) Version and account control

When opening mobile banking, customers can choose to use the normal version or the advanced version. Among them, regular customers can only query account information and public information and pay fees. Advanced customers can use all mobile banking functions, including transfer; At the same time, only the contracted account can be used for transfer and remittance, which can further reduce the risk of customer fund transactions.