Just download the mobile banking of the corresponding bank, then enter the registration and opening page, select the bank card to be opened, enter the reserved verification information, login password, fill in the bank card number and other information, and open it successfully after submission and verification. But you can't use mobile banking for online transactions, you can only use mobile banking for online transactions.
From a technical point of view, online transactions need at least four functions, namely merchant system, electronic wallet system, payment gateway and security authentication. The latter three are the necessary conditions for online payment and the technical requirements for online banking operation:
1, e-wallet system
E-wallet is a common payment tool in e-commerce shopping (especially small shopping). E-wallet users usually have accounts in banks. When using e-wallet, first install the corresponding application software, and then use the e-wallet service system to input electronic money into your account.
When receiving and paying, users only need to click on the corresponding items on the computer. The system is equipped with the function management module of electronic money and electronic wallet, which is called electronic money wallet manager. Users can use it to change passwords or security methods, and use it to view accounts, lists and other data of electronic money receipts and payments in their bank accounts. An electronic transaction recorder is also provided in the system, and customers can know their shopping records by querying the recorder.
2. Payment Gateway
The payment gateway is the interface between the bank's financial system and the Internet, and it is a set of servers connecting the bank's internal network and the Internet. Its main function is to complete the communication, protocol conversion and data encryption and decryption between them, thus protecting the security of the bank's internal network. Without payment gateway, the electronic payment function of online banking cannot be realized.
With the continuous growth of online market, online transaction processing will become the basic function of every payment system. Nowadays, merchants are often inefficient in data transmission. With the payment gateway, this problem can be effectively solved, so that banks or traders can maintain their due efficiency in the case of rapid development of the online market and increasing online transaction volume.
3. Safety certification
The establishment of E-commerce Certification Authority (CA) is to solve the identification of identities and credits of participants in e-commerce activities, maintain the security of trading activities, and fundamentally ensure the smooth progress of e-commerce transactions. It is very important to enhance the trust of all parties in online transactions, improve the safety of online shopping and online transactions, control transaction risks and promote the development of e-commerce.