摘要:The development of high-tech, smart phones are not only the tools for people to convey information but also a popular guard to protect ones accounts, especially through online payment. But the network of smart phones is not perfect for any operations which deal with money. As it is seen that there are more potential threats when logins or passwords are put into ones smart phone keyboard to get into his internet account. Based on the working procedure of smart phones as the payment tool, this study tries to analyze the security problems of smart phone password from the perspective of M-banking. The purpose is to raise the safety awareness of online banking users and offer some solutions to the banks as well.