Authors Firas Naziyah Mahmood, Hayder Hussein Shakir, K. Ye. Rumyantsev
Month, Year 02, 2018 @en
Index UDC 654.024:004.056
DOI 10.23683/2311-3103-2018-2-256-263
Abstract SMS banking allows customers to request and receive banking information from their Bank on their mobile phones. Clients can securely manage their Bank accounts, balances of current account, send cheque requests and account fees. Secured banking channel SMS also acts as the means of the Bank alerting its customers, especially in an emergency situation. The aim of this paper to design and implement the program/ application to send and received a secured SMS for banking works, installing on client’s devices by authorized bank employer. This program/Application decrypt the code that send to the client by one of the authorized telecommunication company servers according to contract with services provider company. The code expiration is 15 seconds for increasing the security levels and if the client doesn’t send the code, the company send a new SMS to ask him to resend a new code, and we can make a limitation of the money Drawdowns per day according to dealing with the costumer contract with bank for increasing the level of security. IN case of using the card for drawdown more than the money that dealing with bank, the bank preform the locking procedure for that account and stopping the drawdown process and Report this situation from the customer of the bank that is under threat or other similar so. Electronic Markets (E-markets) can be more effective and less expensive way to sell products or provide services without geographical barriers. It changes the relationship of buyer-seller, improves business processes and helps reach new markets or segments through the electronic medium.

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Keywords Banking Remotely; Security and Threats.
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