Research On Risk Control Of Bank 's Mobile Payment

Mobile payment is a kind of new mode of payment, mainly use their mobile phones and other mobile terminals on the consumption of products or services accounts pay a service form. In recent years, with the improving of the Internet technology and the popularity of smartphones in the world, and a wide range of applications, mobile payment business has developed rapidly. But at the same time, mobile payment security incidents happen occasionally, mobile payment risk has become one of the major risks commercial Banks face. And A bank is emerging in the traditional banking, although the mobile payment business in its infancy, but in order to quickly grab market, the urgent need to provide effective measures to guard against the risk of mobile payment, to ensure the safety of the user money, and won great reputation in the market. Therefore, the research of mobile payment A bank risk control work is particularly important, has A strong practical significance.In this paper,take the literature research and SWOT analysis method. First of all, analyzed the domestic and foreign literature, and found that the expert for domestic commercial bank risk control areas lack of in-depth and detailed research.Secondly, on the combination of mobile payment and characteristics, on the basis of introducing the present situation of mobile payment A bank, and combined with the SWOT analysis, found A bank payment environment of mobile payment, transaction process, business management and so on, various shortcomings of risk control.Then adopted the "combination of comprehensive analysis in each stage of multidimensional" innovation methods, respectively from the mobile payment "in advance", "in progress" and "afterwards" three stage is used to identify the risk factors, combined with "the customer risk awareness, internal management,system security construction, transaction process design, industrial chain enterprise cooperation" multidimensional, such as to the causes of risk and risk control of a full range of in-depth analysis and research.Finally, in three stages of mobile payment to A bank, respectively, the corresponding risk control measures are put forward: The first is put forward to strengthen the safety consciousness, optimize the payment process, control of payments, to strengthen the construction of system security measures, such as to ensure that mobile payment "in advance" pay for environmental safety and transaction process design. The second it is to set up the risk model is put forward to pay "automatic real-time monitoring risk" in the process of innovation technology strategy, combined with the new security encryption technology, recovery and retransmission technology, standardization of development and maintenance process, to ensure that the payment transaction "in progress" user information leakage or system exception cases, users pay money safe. The third it is to put forward the system automatically risk identification and artificial combination of risk identification, mobile payment for "the whole process of risk monitoring" innovative ideas, and processing automatically by the abnormal trading in a timely manner, " video, information and documents " three check, industrial chain risk prevention cooperation between enterprises, set up risk reporting and evaluation measures, such as perfecting the internal control and external supervision and risk prevention " afterwards " business screening ability, to ensure that the " afterwards " can to timely identify and deal with the risks of mobile payment, and effectively preventing the risks of similar happening again.