Financial transaction verification method and system thereof

The invention belongs to the financial transaction safety technology field and relates to a financial transaction verification method and a system thereof. According to the invention, a mobile terminal sends a transaction request to a server. The server verifies validity of the transaction request. After the transaction is verified to be valid, the server sends an authentication code. A financial terminal sends the authentication code input by a user to the server so as to perform the verification. The authentication code input by the user is determined whether to be the same with the authentication code which is sent to the mobile terminal by the server. If the two authentication codes are the same, the authentication code is considered to be correct and simultaneously information of a bank card inserted by the user is verified. The bank card information is determined whether to the same with the bank card information which is binding with a telephone card of the mobile terminal. If the bank card information is the same, the identity of people who withdraws money is considered to be valid. And a next transaction operation is allowed to be performed. By using the method and the system of the invention, security is high; the method is simple so that the user operation is simple; and an application scope is wide.