First, bind the bank card to the mobile phone to ensure safety:

1) If the mobile phone is lost, the person who finds it must enter the transaction password of the SD card and the password of the bank card before making a transaction. At the same time, once the loss is reported, the original card will be invalidated immediately, which can ensure the safety of users' funds to the greatest extent.

2) Authoritative cooperative banks to ensure the safety of card use.

3)POS mobile payment has five advantages to ensure its transaction security. Chen Jing, member of the National Informationization Expert Advisory Committee and former director of the Science and Technology Department of the People's Bank of China, also said that there were many discussions about the security of mobile payment at first, but in practice, it was found that although the information transmission of mobile payment was open, its transmission speed was calculated in milliseconds. Technically, it is difficult to crack the transmitted information after it is intercepted. Compared with online banking, the time for users to log on to online banking is calculated in minutes, leaving an opportunity for criminals. So the security of mobile payment is higher than that of online banking.

2, mobile phone POS machine:

1) The mobile phone itself is certified by the Ministry of Industry and Information Technology, and a production license is issued. Not a fake, stable performance.

2) The mobile phone POS machine adopts the international leading application server and database system. On the bank side, SSL 128-bit encryption algorithm is adopted to ensure the security of information transmission; On the platform side, using PKI/CA electronic signature authentication transmission technology, a secure payment system conforming to the electronic signature method is introduced to encrypt and verify the order information, thus ensuring the confidentiality, authenticity, integrity and non-repudiation of data transmission on the Internet.

3) Powerful firewall system combining software and hardware, perfect intrusion detection system and active defense equipment. Professional anti-hacker, anti-virus and vulnerability scanning technology. Robust J2EE architecture, JSP+JAVA BEAN+SML environment, with strong security and scalability. These measures make the security and stability of the system reach a high level, which is also an important factor for successfully passing CSTC certification. China Software Evaluation Center (hereinafter referred to as "the evaluation") was established in 1990, which is a national first-class scientific research institution directly under the Ministry of Industry and Information Technology. In the authentication field, as early as 1999, it was authorized by the former Ministry of Information Industry to carry out the qualification authentication of computer information system integration, and launched the dual-mode authentication service in 2003. It is the earliest authoritative organization in China to carry out certification services.

4) The mobile phone POS machine has five advantages to ensure its transaction security: IC card chips that meet national standards, hardware encryption, and are not easy to crack; The key system is one card and one secret, and each transaction process uses different process keys, so the cracking of one transmission cannot threaten the whole key system; Trajectory information is encrypted and stored, and there is no clear trajectory information outside UnionPay system; The transaction can be completed by double password verification of SD card password and bank card password; Application signature ensures the legitimacy of the application.

Use:

1. Mobile POS machine is a brand-new financial transaction technology based on RF-SIM card terminal reader. The reader terminal passes through CDMA；; GPRSTCP/IP and other ways to connect with the data server to complete financial transactions.

2. The mobile phone POS machine is a personal credit card terminal specially developed for smart mobile terminals, which can be used on various mobile terminals with standard audio interfaces in Android and iOS systems. Installing the Qianbaobao application in mobile devices can not only realize regular mobile financial services such as balance inquiry, transfer and remittance, credit card repayment, phone bill recharge, but also complete online shopping, water, electricity and coal payment and other services on mobile phones.