SMS Based Mobile Banking

  ijett-book-cover  International Journal of Engineering Trends and Technology (IJETT)          
© 2013 by IJETT Journal
Volume-4 Issue-4                       
Year of Publication : 2013
Authors : Surapaneni Pujitha , B Veera Mallu


Surapaneni Pujitha , B Veera Mallu. "SMS Based Mobile Banking". International Journal of Engineering Trends and Technology (IJETT). V4(4):1211-1219 Apr 2013. ISSN:2231-5381. published by seventh sense research group.


M - banking has one of the main division of m - commerce. Mobile banking services consists of information inquiry, notifications and alerts, applications and payment transfer.Mobile based application is used for connecting cus tomer handset with bank server for all such services. Current M - banking applications used by banks are facing security challenges for payment transfer banks are using secure payment gateway and other security measures which increases cost and infrastructur e for bank but major day - to - day banking applications are inquiries, notifications and alerts. The problem with current banking applications is that they send data directly to customer in plain text form compromising with security. We present SMS based secu re mobile banking which enhances security with minimum cost. In this approach bank hides customer transaction data is secure SMS using AES symmetric cryptographic algorithm and send it customer application supported handset. Customer application decrypts d ata in secure manner.


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M - banking, MD5, AES, MPIN.