Minsheng Direct Bank Terminal Security Practice Cheats HMS Core Two Security Capabilities

Under the wave of digital transformation in the financial industry, traditional commercial banks have successively launched mobile financial clients such as mobile banking and direct banking. As a pilot field for “digital finance” of Minsheng Bank, Minsheng Direct Bank has always adhered to the development concept of “simple banking”, focused on building an ecological platform, expanding customers through Internet channels, and integrating safe and simple financial services into enterprise production and people’s life scenarios.

Since its launch in February 2014, Minsheng Direct Bank has developed more than 30 million customers. In order to effectively cope with the terminal application security challenges brought about by new scenarios and new models, the Minsheng Direct Bank App integrates Huawei Security Detection Service (HMS Core Safety Detect Kit) to build efficient and stable terminal environment detection, which is a "trusted service" "The basic conditions before "; the App also integrates online fast identity verification service (HMS Core FIDO) to perform safe and reliable local biometric authentication for logged-in users.

Among them, Huawei's security testing service has several major capabilities throughout the three stages before, during, and after the customer uses the App. It detects and identifies, records and analyzes various types of security risks. Minsheng Direct Bank can adopt specific risk detection results based on specific risk detection results. Sexual response measures. For example, the system integrity detection function provides risk warnings in advance to enhance the terminal environment threat detection capability to prevent malicious attacks; the false user detection function enables the App to identify whether the current interaction object is a real natural person without exposing the user's private data; Malicious Wi-Fi detection can effectively identify the risky network environment and realize the risk analysis in the event, thereby reducing transaction risks. The app invokes Huawei’s security testing service during the customer’s startup process. When it is detected that the application running equipment has potential safety hazards, the app will prompt the customer to use it carefully: "Your device has been as a risk of ", which is the basis for risk warning. On the Internet, customers can click to enter the security center to view the specific test results.

Screenshot of in-app risk warning

The data in the above figure is valid until October 11, 2021

Huawei Security Services helps Minsheng Direct Bank to build a complete terminal trusted security service platform, from multiple dimensions such as equipment environment security, application operation safety, and data security, to achieve end-side security control and risk rating, and empower Minsheng Direct Bank The security service system is fully upgraded. On this basis, Huawei's open capabilities in security services help Minsheng Direct Bank to simplify business processes and improve user service satisfaction.

Mobile financial security risks are continuous and dynamic, and more research and practice are needed to deal with the severe and complex external environment. In the future, the HMS Core security team will actively try the application of new technologies in financial risk control scenarios to accelerate the promotion of the financial application security system Develop specialization and intelligence.

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