A Secure Protocol for SMS Mobile Banking

Amol B. Jawanjal, R. B. Joshi

Abstract: Short Message Service (SMS) is most popular, cheapest and easy-to-use communication technology for mobile phone users. Using SMS, mobile user sends some confidential information such as password, account number, banking information in the form of plaintext from one mobile to another mobile. The hacker can easily read this information and privacy will not be maintained. Nowadays due to lack of security in SMS it is rarely used in many value added services such as mobile banking and e-commerce. For this purpose we provide a solution that provides end to end security to the message with authentication, confidentiality, integrity. Hence we present a secure model for SMS mobile banking services tailored to suit mobile cellular phone users.

Keywords: Authentication, SMS, Mobile banking, Security